Matt Wiseman, Author at The Money Hub

Property Development – Practical Tips for Financing

Property development can be exciting; it is a diverse sector from converting small studios to large houses. There are so many ways you can manage development. Funding options are incredibly varied and integrated. Particularly if you don’t have much previous experience in developing, there are plenty of pitfalls that you will need to avoid as well, and you will be learning as you go along as you would with any other career. Here we will be explaining some useful tips and information, so you don’t make the mistakes so many have made when getting started. One crucial factor is to [...]

By Matt Wiseman|2026-10-30T17:21:38+00:0014 August 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

8 Tips when becoming a Property Developer

01 | Write a property development business plan. 02 | Always think about what you will earn from the rental and return on investment. 03 | Ensure you have suitable property development finance in place. 04 | Take your time and research diligently. 05 | Think about the location. 06 | Develop your property with an exact purpose in mind. 07 | Are you going to buy to sell or buy to rent? 08 | Keep your buyers or renters in mind at all times during every stage of development. With the current news about Brexit and now we [...]

By Matt Wiseman|2026-10-30T17:21:38+00:007 August 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

Property Development – The Next Steps

Property Development - This guide is a follow on from our previous article on becoming a property developer. So, if you would like to read more about getting started and what you need to consider, please check out the previous article before you continue. Here we aim to give you a deeper insight into certain aspects of property development. We plan to give more information on areas such as planning and funding, including other aspects such as bridging loans. Planning If you haven't already done so, now is an excellent time to start creating a business plan. Below are a [...]

By Matt Wiseman|2026-10-30T17:21:38+00:0031 July 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

Property Development – Becoming a Developer

Property development can be a great revenue stream. Whether you're planning on redeveloping the property for rental purposes? Or you would like to convert your development into an HMO? Or you would like to refurbish a property to sell later. Property development has many pros, and many people are making a good living from that. But you must know what you're doing and beware of any pitfalls along the way. They're usually two types of people who get involved, and they are contractors or new developers. But you will need help with project management if you do not have experience [...]

By Matt Wiseman|2026-10-30T17:21:38+00:0024 July 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

Converting your Property to an HMO

Introduction An HMO (house in multiple occupations) is a property that is rented out to three or more unrelated individuals. The people cannot be from the same family, for example. The HMO has a set of shared areas such as a kitchen, utility room, bathroom, and sometimes the living area. To rent out an HMO in the UK you need a license, and you have your property defined as an HMO. The licenses for an HMO last for five years which you will need to update before it expires. So, if you would like to understand more about HMOs and [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0016 July 2019|Advice, Blog, General Interest, HMO Mortgages, Investments, Mortgages, Property|Comments Off

A Guide to Multi-Unit Properties

Multi-Unit Properties (also known as a multi-duelling unit or MDU) are a characterisation of a type of residence. This accommodation is where different flats/units are generally for private occupants within a single building. Units can be beside one another or on top of one another. Some examples include buildings with space for both commercial business and an area for residential or buildings that contain multiple flats with shared amenities such as parking, gardens, and walkways – typically the building is on a single title, and additionally each unit has its own AST agreement in place. Multi-unit properties are not to [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0010 July 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

5 Ways to Find Help and Advice for Debt Issues

With debt, we feel it is crucial to let you know that there are many people you can contact to help you with debt issues. Your mortgage adviser is undoubtedly the most qualified to answer your concerns, but if you don’t want to let them know of your situation just yet or they couldn’t work with you towards finding a solution, here are five alternatives you should try. Debt Management Plans If you are dealing with unsecured debts, such as personal loans, student loans, or credit card expenses, a debt management plan (DMP) could be a great solution to [...]

By Matt Wiseman|2026-10-30T17:21:39+00:005 June 2019|Advice, Blog, Debt, General Interest, Loans, Mortgages|Comments Off

First-time Buyers – Getting on the Property Ladder

If you’re tired of living in a rented home but can’t afford to buy one through the traditional mortgage route, perhaps you should start looking for alternative ways to get on the property ladder. In this guide, we’re going to talk about the main government schemes aspirant first-time buyers can adhere to in the UK, their advantages and their disadvantages. Help to Buy Scheme Help to Buy is an equity loan scheme available to first-time buyers as well as existing homeowners who want to purchase a new build house but who can only afford a small deposit. Under the Help [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0020 May 2019|Advice, Blog, First Time Buyer Mortgages, General Interest, Help to Buy Mortgages, Investments, Mortgages, Property|Comments Off

Buy to Let Considerations – Ltd vs Individuals

Many people across the UK choose to invest their hard-earned money in the housing market. Buy to Let comes with multiple advantages. You can guarantee yourself a steady income besides a salary, and even increase your capital by selling the property at a higher price than what you have paid. Due to changes in the taxation system though, more and more of those who decide to invest in a let-to-buy property are wondering whether they should buy in an individual name or a limited company name. In this article, we will discuss the buy-to-let considerations you should make before investing [...]

By Matt Wiseman|2026-10-30T17:21:39+00:001 April 2019|Advice, Blog, Buy to Let Mortgages, Commercial Mortgages, Investments, Mortgages, Property|Comments Off

5 Ways to Raise Money for Home Improvements

High house prices, stamp duty costs, and the overall shortage of property supply determine many homeowners to rather improve their homes than move into a new one. Giving a new lease of life to your interior, remodelling your kitchen, or building an extension can make your home feel new. Regardless of what renovations you want to make, finding funds for your project is essential. Here are five of the best ways to raise money for your home improvements. 1. Use Your Cash The easiest way to fund your home improvements. Investing your savings or matured saving bonds into your home [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0018 March 2019|Advice, Blog, General Interest, Investments, Loans, Mortgages, Property, Secured Loans, Unsecured Loans|Comments Off

About Matt Wiseman

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