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Global Asset Finance Limited
Global Asset Finance Limited
Global Asset Finance Limited


First Multinational B2B Finance Solution for Point of Sale

Global Asset Finance Limited partners Divido, the retail finance platform, is today extending its proposition to provide a B2B finance solution at the point of sale across Europe.

In partnership with its panel of specialist business lenders, Divido’s platform now allows retailers to offer B2B finance to their business customers at the checkout to increase sales.

Traditionally, businesses would expect to pay on invoice or upfront, tieing up valuable capital. By providing an alternative finance option that allows payment through instalments rather than one lump sum, this frees up capital and provides greater control over cash flow, ensuring businesses feel supported, rather than impeded, on their ambitions to grow. The credit limit for each application is up to £150,000 and the retailer is paid in-full upfront.

Divido’s platform, an extension of its already hugely successful B2C retail proposition, is set to disrupt the rapidly expanding B2B eCommerce market, predicted to grow to double the size of B2C eCommerce by 2020.

Offering point of sale finance to these customers drives conversion at every stage of the purchasing funnel; attracting new customers, increasing sales and raising average order values.

It will initially be available to retailers that sell to businesses in the UK, Germany, Poland, Sweden, Norway, Finland and Denmark, with many more European countries to be added within the following year, as well as further afield.

“The launch of our B2B finance platform is another great milestone in Divido’s development”, comments Divido CEO and co-founder, Christer Holloman.

“With the growth of B2B eCommerce continuing to gather great pace, any merchant that cannot offer a way of reducing the financial burden their customers face at the point of sale will miss out on a huge growth opportunity.

With our multi-lender, multinational platform, we are perfectly positioned to support the ambitions of any national or global business looking to expand.”

Customers can access the B2B finance platform at check-out, selecting Divido to begin a simple and quick approval process. A credit decision is made in real-time before the customer is given the option to review the agreement.

If accepted, the retailer is paid in-full upfront and the customer enters a 12-month loan agreement with the lender. They may also amalgamate multiple purchases into one repayment schedule.

Every European B2B and B2C retailer on the High Street or Ecommerce will soon see sales growth increase between 20% to 40% if looking to change the companies modus operandi on sales.

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A brighter outlook for London’s Property Market?

The property market continues to slow. According to Nationwide, there was a slight fall in the UK’s house prices, which were down by 0.2% in May. Most commentators, however, point out that annual growth, at 2.4%, is still well within the predicted band of 1-3% in 2018. It has been hovering around these levels for some time and, with agents and surveyors alike reporting subdued levels of enquiries and instructions, is something that is likely to continue for the time being.

Robert Gardner, Nationwide's Chief Economist, says:

“Subdued economic activity and ongoing pressure on household budgets is likely to continue to exert a modest drag on housing market activity and house price growth this year, though borrowing costs are likely to remain low. Overall, we continue to expect house prices to rise by around 1% over the course of 2018.”

Rightmove also reports a lack of stock and softening demand. Nationally, the number of sales was down by 5.4% when compared to May last year, but London (down 6.9%) and the Southeast (down 8.5%) saw some of the biggest falls in sales volumes.

However, the capital is now showing signs of tentative growth. New seller asking prices rose by 1.5% and by 3.1% in Inner London. And the closer you get to the centre, the bigger the rise – zone 1 was up by 4.2% and zone 2 was up by 2.2%.

Miles Shipside of Rightmove says:

“After the annual price falls that began nearly two years ago this could be a sign of Inner London new seller asking prices trying to stage a recovery. It is encouraging to see sellers of more expensive central London homes testing the market rather than staying put.”

Hometrack’s latest market report provides yet more evidence of London’s improving fortunes, with prices rising by 0.8%, although 16 out of the 46 local authorities are still registering negative growth.

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Businesses warned about late payment practices

Following the Carillion scandal, the FSB has warned big businesses that they must do more to end late payments. But what can SMEs struggling with the impact of overdue invoices do today to alleviate their situation today? We take a look at how you can combat poor payment terms.

Late payments, poor payment practice and supply chain bullying. These are all things that are happening in the UK right now that the Federation of Small Businesses (FSB) recently warned are at risk of damaging the economy. And the culprit? Big business.

The problem with payments
Carillion’s demise earlier this year shone a light on some of the obstacles facing suppliers, when it comes to maintaining a healthy working capital. And it’s hoped by many that some valuable lessons have been learnt. In an open letter, Mike Cherry – the FSB’s National Chairman – urged big companies to work with small businesses in order to create and support a new payments culture in the UK.

But is it too little, too late? Research carried out by the FSB reveals that 84% of small firms within supply chains have been paid late, and 33% reported that at least one in four payments arrive later than agreed while 37% state that agreed payment terms have increased over the past two years and that this has had an adverse effect on Cashflow.

The broader impact is clear: the UK economy is potentially missing out on £2.5 billion due to SMEs not being paid on time. And with larger businesses increasingly imposing 90-day payment terms onto suppliers and sub-contractors, some businesses with an annual turnover of less than £1m are having to wait on average of 72 days for an invoice to be paid.

How to combat late payments
A recent report into the collapse of Carillion by two parliamentary select committees exposed substantial failures at the company, which included the squeezing of its suppliers and the ineffectiveness of the Prompt Payment Code, and has led the FSB to request big businesses to lead by example and review their best practice when it comes to settling invoices promptly.

Overall, the report calls for a shift in culture to avoid the kind of corporate recklessness that can do considerable damage to SMEs.

We have previously looked at what SMEs can do to ensure they are paid on time, for example:

Enable digital payments
Look for accountancy software that enables recipients to pay immediately via a ‘pay now’ button that’s embedded in the invoice.

Set up automatic reminders
Use an online task tool to set reminders so that you can chase payment a few days before it’s due and keep chasing until it’s paid.
Keep accounting teams on your side
Make the effort to nurture and maintain great working relationships with anyone involved in the accounting and finance side of the businesses that you are invoicing on a regular basis.

Help is on hand
When Cashflow is tight, Global Asset Finance Limited and Partners is an invoice finance provider that can help, thanks to its reliable, fast and flexible facility. Platform allows you to pick and choose the invoices you want funded, as and when you need, selective invoice finance is an attractive finance facility for any business.

It’s also a quick option, with a straightforward process. So, depending on your business needs at any given time, you have the flexibility to adjust your Cashflow position by selling a single invoice or your complete sales ledger or just a few at a time.

You control what invoices you want funding, and improves your business Cashflow.…/…/

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Retail Finance – Why Customers Who Don’t Financially Need it, Won’t Buy Without it

“Understanding that consumers use retail credit for reasons other than needing it to make a purchase is key to growth in lending and encouraging repeat business.” – Mintel, Consumers and Retail Credit – UK – Feb 2018
In 2017, the UK’s retail finance market grew by 9% to reach £8.99bn of lending, according to data from the Finance and Leasing Association.

This growth may not come as a complete surprise. A combination of innovations have made the application and supply of finance far quicker and simpler for the end consumer, as well as for the retailer. Economic trends and consumer preferences have also contributed to its popularity; and will continue to do so as the industry expects to reach £12bn of lending by 2022.

However, although the growth of retail finance may be well-known, what is not so well understood is who is applying for this finance, and why. It’s understandable to assume that the majority of customers applying for finance at the checkout are less wealthy, or have fewer saving, and so require finance in order to afford the item. However, research by Mintel in their latest Consumers and Retail Credit UK Report has proven the inaccuracy behind this misconception.

Surveying 798 customers who have used retail credit within the past three years, 59% of respondents said that the ability to pay with finance wasn’t essential to make the purchase. In other words, they didn’t use finance because they couldn’t otherwise afford to buy the item.

This proves that customers of wealthier demographics use retail finance too – and importantly, can be encouraged to complete the purchase if offered finance. Retailers whose target audience is more affluent should therefore still offer retail finance to their customers to increase sales and average order values.

So why are these wealthier customers encouraged to purchase when offered to pay with finance, despite not needing to.

1. To be in better control of their finances
Of the above Mintel respondents, 37% said they used finance simply because they wanted to split the cost of payments. By paying in monthly instalments, the customer can better manage their finances and much expenditure, regardless of their income/savings. It’s also a useful way to keep credit separate from other forms of borrowing, making it easier for them to keep track of repayments and ensure they clear their debt.

2. It doesn’t cost more, so why not?
Offering finance at 0% is a crucial incentive for the customer. Many of today’s consumers are reluctant to draw upon credit card or loans because of their reputation for high APRs and misleading fees. However, by offering 0% interest, the customer pays absolutely nothing more than the cost of the purchase.

In the Mintel report, 38% of the socio-economic group AB (the highest social grade) said they used retail credit purely because it’s interest-free. What’s more, as well as securing the sale, 0% finance can also foster brand loyalty among customers, and so drive repeat business?

3. To keep their credit card ‘free’ for unexpected payments
Many people don’t like to rely on their credit card for more everyday purchases, because when an unexpected or emergency purchase arises, they want to know they can instantly and easily fall back on their credit card if needs be. By paying for all other larger expenses with retail finance, they can do just this.

Global Asset Finance Limited and Partners’ retail finance solution is used by a huge range of sectors and retailers, including those in the luxury industries as they recognise the demographics of their customers doesn’t affect the popularity of retail finance.

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Why Stock Finance doesn’t always stack up (and why Purchase Order Finance may be a better alternative)

I meet a lot of businesses that are terribly disappointed with their Stock Finance facilities. Here’s some reasons why what they got from their lender, just didn’t match up with the expectations:

1. Valuations
Business owners look at a warehouse full of the product they love and see £2M worth of invoices to future satisfied customers. Banks look as the same warehouse and see a hornet’s nest of problems and potentially obsolete, hard to sell products that might net them £300K in a fire sale.

This is important because it does not matter what facility you signed (and paid arrangement fees) for, the stock financier will work out a ‘liquidated value, less a margin of safety’ and come up with 15% to 20% availability on gross stock.

Meaning on your £2M, £300K is all you may get. They won’t say it as simply as this either, it will be dressed up in a high headline advance rate but with lots of ‘disallowable’ elements and ‘reserves’.

Lesson 1: Don’t expect the bank to advance more than 20% of your stock value, 15% might be more realistic.

2. Fees
Forget about the snappy “Base+2% interest” rate you’ve been quoted. Stock Finance is expensive for the bank to control and the total cost is far more likely to be driven by the fees they charge to cover these costs.

For example, mandatory stock audits are often carried out by third party specialist companies and once these costs have been accounted for, you will likely to be paying north of 10% pa on the funds advanced. Oh, and don’t forget the hours your finance team will spend producing the reports that the bank will mandate.

Lesson 2: Calculate the true cost by adding in all of the fees and remembering to use a realistic advance rate.

3. Stock Finance in action
Good news, you’ve just delivered a large order and are ready to load the customer’s invoice into your bank’s system. The problem is, whilst the bank is happy to advance you 85% against the customer’s invoice, they may first want to look at what has happened to their stock asset. Before you know it, the reduced availability on your stock line, means the cash you need is no longer available to draw down.

Lesson 3: Stock and Debtors are linked, making cash flow planning difficult and unpredictable.

So what’s the alternative?
Trade Finance and Purchase Order Finance options have grown over recent years and for many businesses, they can provide a significantly better option than Stock Finance especially when combined with an invoice discounting facility.

Firstly, your Purchase Order Finance facility is fixed. If you have a £1M purchase facility, you can plan your cash flow in the knowledge that you have this to draw on. And this committed availability is especially important as you build up to peak trading times.

Then the costs for Purchase Order Finance are mostly variable, so you pay only for what you use, giving you much better control and allowing you to invest your money where it develops your business, rather than in fees.

Purchase Order Finance limits are calculated considering the value of the whole business, and not simply the liquidated value of your stock asset. That is, what your business is capable of repaying as a going concern and not what could be achieved in a liquidation fire sale.

So before assuming that Stock Finance is the most appropriate facility for your business, make sure you consider and research all of the alternatives.

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Why and How Should Retailers Offer B2C and B2B Finance?

The distinction between the worlds of B2C and B2B are unmistakable. Whilst B2C typically has a high number of customers but a low customer order value, B2B has a lower number of customers, but a much higher order value. And this list of differences goes on and on.

This can pose a challenge for retailers that market to both consumers and businesses for they often have very contrasting needs and expectations.

However, this is a challenge that retailers have to overcome if they want to take advantage of the huge eCommerce growth, particularly in B2B. By 2020, the B2B eCommerce market will be more than double the size of B2C eCommerce.

Fortunately for retailers, there is one major characteristic that the consumer and the business customer share, and a solution that caters to this – unlocking huge potential revenue from both consumers and businesses.

Paying in instalments – it’s in our nature
No one likes handing over a large lump sum of money all at once. Whether you have a small savings account or a large disposable income, most of us don’t like paying for things upfront when we don’t have to.

This characteristic goes a long way to explaining the surge in subscription models which have taken off in the past five years. From music to boilers, today’s customer pays for all kinds of products and services in instalments.

In light of this consumer trend, Global Asset Finance Limited and Partners launched to provide retailers with the ability to offer their customers instant finance, so when they buy from them, they can split the cost of their purchase into monthly instalments.

By removing this strong obstacle to purchase, Global Asset Finance Limited and Partners has been proven to increase sales by up to 40%, as well as increase average order values and encourage repeat custom.

And business customers are no different. Although they’re buying on behalf of a business, the prospect of handing over a large amount of money still remains the typical barrier to buying particularly because B2B order values are usually far larger than B2C. To solve this challenge, Global Asset Finance Limited and Partners has extended its platform to offer the UK’s first point of sale B2B customer finance product.

Retailers partnered with Global Asset Finance Limited and Partners can now offer their business customers the option to split the cost of their purchase over 12 months, so helping them to increase sales across their customer base.

They can finance purchases of up to £150,000, and if buying several different items, these can be amalgamated into one simple repayment schedule – so as well as increasing sales, this also helps to increase average order values.

What’s more, the decision to accept the finance application, made in minutes, is based on the business’ performance rather than the individual’s credit score. This allows younger and higher-risk businesses to receive finance, as well as the more established companies.

B2C eCommerce has long been growing in strength, and continues to do so – yet it is the B2B market which is seeing the fastest growth today. Some predictions put its valuation as high as $6.6 trillion (£4.88 trillion) by 2020.

If retailers want to take advantage of this, they must align their business models to accommodate for it or risk losing out on a key source of revenue.

To find out more and offer finance to your consumers or business customers, book a call with a member of our team today pr click on the links to apply for Point of Sales Finance:…/

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Late payments still an issue for SMEs

Unpaid invoices can be a death sentence for any business that desperately needs to maintain a healthy Cashflow to maintain stability within the business and growth with new orders, stock and payroll.

We look at a few ways that business owners can implement initiatives to reduce payment terms where possible and not relay on banking overdraft and loan facilities.

According to the Federation of Small Businesses (FSB), late payment forces about 50,000 businesses to cease trading every year, and costs the economy an estimated £2.5 billion PA.

It’s a problem that cannot be ignored by any business. According to a survey by accounting software company Sage, 17% of all payments in the UK were made late and 9% eventually written off as bad debt. (Consider Bad Debt
Insurance as Part of your Credit Control Plans)

Late payments can damage every aspect of a company 40% of SMEs said they saw a direct, negative impact on their business as a result of late payments from debtors while others reported that this lack of cashflow forced them to delay investing in their company and looking for ways to support their ambitions to scale up (25%).

In addition, late payments meant SMEs were often unable to pay their own suppliers (25%), which creates a vicious cycle and a happy relationship cycle.

How to minimise the issue of late payments

Enable digital payments
When you are confident that your invoices will be paid on time, you can get a better forecast of your cashflow in coming months. And this is way it’s so important to make it as easy as possible for your customers to pay you.

Enabling digital payments can make the process quick and simple look for accountancy software that enables recipients to pay immediately via a ‘pay now’ button that’s embedded in the invoice.

Set up automatic reminders
Don’t wait for an invoice to become outstanding. Instead, use an online task tool to set reminders so that you can chase payment a few days before it’s due and keep chasing until it’s paid.

Consider phoning credit control department a few days after the invoice has been sent to ensure, the invoice has been approved for payment and no dispute is being raised against the invoice you have submitted for payment. Any disputes can be resolved, prior to invoice due date.

Be proactive and inventive
As well as acting early and chasing late payments as soon as possible, you can incentivise suppliers and customers to pay on time.

A possible option could include offering a discount for ‘early’ payments or payments that fall within the time period outlined in your terms. It will mean they are rewarded and more likely to do business with you again and your Cashflow keeps moving.

Have a clear credit policy
If you are willing to offer credit, you need to be really clear how much that might be and when you will offer that option. In addition, you also need to think about when exactly you will consider a payment to be overdue.

All of your customer and supplier facing staff must be aware of the credit policy and it should be communicated in writing before each sale. Review your sales ledger and outstanding invoices with your credit controllers, to ensure the business is aware of any issues with a customer or suppliers.

Keep accounting teams on your side
Make the effort to nurture and maintain great working relationships with anyone involved in the accounting and finance side of the businesses, which you are invoicing on a regular basis, to ensure prompt approval and payment of your invoices.

How selective invoice finance can help
Late payments can affect your SME’s working capital, but business owners can maintain control of their Cashflow with a fast, reliable and flexible alternative finance facility.

Selective invoice finance the service offered by Global Asset Finance Limited can help you combat any working capital issues you might come across by releasing payment for the invoices your business is owed immediately.

Businesses Working Capital looking for Cash injection to Fund expansion plans as long as you Trading Business to Business marketplace you can benefit from Invoice Finance
Our service is transparent and easy to understand with no contractual obligations or hidden fees.

Depending on your business needs at any given time, you have the flexibility to adjust your cashflow position by selling single invoices or selecting a few at a time.

We will show you a positive way forward!

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Building a Bright Future for the Construction Industry

It’s fair to say the construction sector hasn’t got off to the smoothest of starts in 2018. Figures recently released by the Office for National Statistics (ONS) reinforce the difficult operating conditions that the industry is facing, experiencing its ninth consecutive fall in quarterly output growth, while dropping 3.4 percent between December and January, and 3.9 percent year-on-year.

Echoing this gloomy picture, the findings of the Bank of England’s latest Agents’ summary of business conditions, reported a similar decline. The summary anecdotally warned of a lack of access to trade credit insurance and bank lending, as well as payment pressures within supply chains.

Added to that, the collapse of construction giant Carillion in January had significant and far reaching ramifications, with an estimated 30,000 suppliers losing up to £1bn in unpaid costs.

Meanwhile, come February the ‘Beast from the East’ froze both the nation and construction sites, putting significant strain on live projects, pausing activity and negatively impacting the construction industry’s first quarter of the year.

Despite these challenges, the industry remains confident in its future prospects. The CIPS UK Construction PMIrose to 51.4 in February, up from 50.2 in January, with firms citing a slight increase in new project opportunities due to greater industrial demand and changing consumer spending habits.

Clearly, despite these recent setbacks, business is slowly but surely starting to bounce back in correlation with demand, giving hope that progress will continue in the months ahead. Just this week, Balfour Beatty reported a surge in profits, after almost collapsing in 2015.

On another positive note, both subcontractors and the Government are significantly investing to combat the skills shortage, an issue which continues to be a critical challenge for the industry.

Our SME Confidence Tracker for Q4 2017 found that over half (52%) of sub-contractors planned to invest in training existing staff during the first three months of 2018 –15 percent higher than the national average.

In his Spring Statement 2018 speech, Philip Hammond also confirmed the Government’s commitment to tackling the skills challenge, stating that next month its £29 million construction skills fund will open for bids to fund up to 20 construction skills villages around the country.

The lack of accessible skills and talent has threatened the Government’s current plans to build new houses, so it’s encouraging to see the issue rising to the top of the industry agenda.

Further good news is that businesses don’t have to go it alone. There are a variety of alternative options that can help ease the pressures on SMEs caused by lengthy payment terms and bad debt.

Sector support
The Carillion collapse has shone a light on chronic problems in the construction sector. Our own research has shown that over half (55 percent) of UK subcontractors believe they must accept the terms of contracts with large construction firms, or face the risk of losing future business or gaining a reputation for being difficult.

Construction Finance is a solution for contractors and sub-contractors to overcome the uncertainty caused by late payment for customers. It’s ideal for contractors and sub-contractors that have customers on long payment terms, who often pay late or only make partial payments for work completed.

As a provider of funding for the construction sector, we understand and appreciate the current challenges that SMEs within the industry are faced with.

This is because we have a specialist team that get to know our clients’ businesses so that we can tailor a funding and support package that works both now and in the future.

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How to recruit the right people for your business

Having a clear and universal recruitment process is essential when it comes to acquiring talent and finding prospective recruits that will fit the mould of your company and culture. Here are seven essential steps to follow.

1. Draw up a clear recruitment plan
What exactly are you looking for? And how will you assess if someone is the right fit for your company? Will you conduct a series of interviews and will you include a technical element or hands-on test – for example – will you ask them to prepare a presentation?

To get a feel for how a candidate reacts to different situations and people, you’ll need to think through every stage of the recruitment process in advance. Making sure, your new candidate understands your mission statement and customer service requirements.

2. Involve existing employees in the recruitment process
Introduce the candidate to the people they would be working with on a regular basis – it’s much better for both parties to find out how they might work together before a prospective recruit starts. In addition, run your recruitment ad past people from different departments to check that you’ve covered everything that needs to be said.

3. Create a thorough job description
The first step to attracting the right candidate to your company, so you need to clearly describe the position that’s on offer and the kind of person and experience you are looking for, otherwise you will find you receive a lot of unsuitable applications. Here’s a checklist of what to include:
• Job title that’s easily understood by everyone in your industry.
• Company information such as your mission statement.
• Positon description in which you summarise the role and key responsibilities.
• Qualifications and experience that are required or desirable.
• How to apply – do you require a cover letter, and should they send examples of their work? Also include a deadline for applications.

4. Harness the more effective recruitment tools
Once your ad is written, you will need to promote it. Your budget will dictate where you place the ad, as will the kind of candidate you are looking for. For example, someone with very specific skills might check a more niche recruitment site. However, it’s also important to remember that using more than one tool will increase your exposure. Here are some of the tools you can use to publicise your opening and attract candidates:

• Online job boards are one of the most cost-effective ways of reaching job seekers, but you will need to ensure your listing stands out from the rest.

• Social media networks like LinkedIn has become a powerful recruitment tool, as well as listing the job, you can use the platform to search for, identify and recruit the people who possess the skills you are looking for.
• Traditional media adverts can be an effective way of targeting the type of candidate you are looking for via certain publications.
• Employment agencies can be expensive but will carry out a lot of the admin for you – for example, by checking references and sorting CVs.
• Your company website can also be used as a recruitment tool.
Keep track of the results so that you can determine which recruitment tools work best for your company.

5. Create great work environment
People are attracted to businesses that they perceive to be a good place to work – so you need to make your mission statement and company culture a priority. Not only that, word of mouth is an effective tool for finding great talent. Establish a ‘refer a friend scheme’.

This allows you to hire people that will seamlessly fit into your company and reflect your values. Having a good on-boarding process can also boost employee happiness and, as a result, retention rates.

Show your company is simply the best!

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UK Property Market Slowing Down

There were further signs that the property market was slowing last month. Although, many of the indices show prices continuing to rise, transaction levels were subdued. Nationwide, for example, reported a 2.1% house price rise in March but, at the same time, there was a fall in sales volumes and, according to surveyors, a shortage of new instructions.

The slowdown has been blamed by many on the widening gap between wages and house prices. The ONS (Office for National Statistics) has found, on average, full-time workers can now expect to pay around 7.8 times their annual salary when purchasing a home in England and Wales.

This is in spite of the record low cost of mortgages and is considerably more than most lenders’ caps of 4.5 times earnings. It also shows, very clearly, why it is so difficult for people to buy houses without the financial support of a working partner.

In London, as you’d expect, the ratio was even higher, at 13.24 times average local incomes. Even in the cheapest region, the North East, it’s at 5.18 times earnings. To put this into some sort of perspective, back in 2002 the average ratio across the country was just 5 times income.

Miles Shipside, Rightmove director and housing market analyst comments:

“Higher prices stretch buyers’ willingness to pay or ability to afford them. This month’s increase of 0.4% is the lowest at this time of year since 2008, though the subdued figure could partly be a re-balancing from the seasonally large 1.5% rise the previous month.”

As a result of the slowdown, the market is becoming more price sensitive. Properties are now achieving, on average, 96.7% of their asking price. In London that figure is 95.6%, although in the West Midlands it has gone up from 96.4%, four years ago, to 97.5% and, in Scotland, it’s now 99.4% (source: Rightmove).

Miles Shipside of Rightmove believes that some of this disparity is a result of people over pricing their homes when they come onto the market and urges a more realistic approach to pricing, saying,

“Buyers can easily spot a speculative price and ignore”
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