It has been brought to our attention that a scam loans company called Loan4Help has been committing fraud by claiming to offer or advance “loans” to borrowers whilst pretending to be a trading company of Finance and Credit Corporation Limited. It is not. Loan4Help has absolutely no connection to Finance and Credit Corporation Limited.

It has also come to our attention that a third party has been contacting borrowers on a fraudulent basis by purporting to be Finance and Credit Corporation Limited and claiming to offer or advance “loans” to borrowers. This third party has been contacting borrowers on an unsolicited basis via the following email address: . Please note that our company Finance and Credit Corporation Limited is in no way connected with the third party and does not use or operate that email address.

These operations have been cold calling and emailing members of the public, fraudulently pretending to be or to be connected with Finance and Credit Corporation Limited, asking for upfront fees from borrowers and advancing monies in relation to purported “loans”. They have also sent documents to borrowers which fraudulently claim to contain the signature of the Managing Director of our company.

These operations have also been using the following telephone numbers to contact consumers: 0203 129 2514 and 0238 106 0723. They may also have been operating from other telephone numbers and email addresses.

Please note that Finance and Credit Corporation Limited does not cold call, send unsolicited signed “loan agreements” or ask for upfront fees. We strongly suggest that you call our Managing Director Elio Astone on 020 7722 7547 in advance of proceeding with any “loan” or if you have any further questions.

If you are contacted by Loan4Help, or any of the companies which appear to be involved in these frauds, you should also report them to Action Fraud on 0300 123 2040.

Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

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  • London and South East
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  • Bridging Loans from £100,000 - £10 million
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Fincorp thinks: London property prices will keep rising

The thing about asset price bubbles is that they’re only bubbles if they burst.

There has been a lot of hype surrounding the London property market following the several government schemes launched in the past 18 months. A combination of Funding for Lending and Help to Buy has lent both financial and psychological support to the housing market and prices in the capital have recovered very strongly. But let’s actually look at the numbers.

Mortgage lending has also had a good year. The Council of Mortgage Lenders recently published 2013’s lending figures showing its members granted 268,800 first-time buyer mortgages over the year. These accounted for 44% of the total of 605,100 offered for house purchases, making it the highest percentage since 2000. Despite that rise however these numbers are still significantly below the levels seen in the years before the financial crisis.

Meanwhile the Land Registry has also just published statistics for 2013. Seasonally adjusted annual national house price growth was 3.5% across the year, bringing the average property price to £247,549 for England and Wales. The number of transactions on the other hand saw a sharp increase, rising 19% to 747,479, their highest level since 2007.

But though these numbers are encouraging and we should be relieved the property market appears to be on the road to recovery, the public reaction to them is overcooked.

Transactions at their peak were over 1.2 million per year. We are still miles off that. The issue this leaves the market with is supply and demand. The RICS January Residential Market Survey claimed a shortage of homes coming onto the nation’s housing market is seriously hampering growth and pushing prices higher in many parts of the country. During January, the number of houses coming up for sale across the UK hit its lowest point since July 2012, despite the number of potential buyers continuing to surge ahead in most areas.

This is particularly problematic in London. I’ve seen properties in prime London valued at £7,000 per square foot. It beggars belief when you stop and think about it. And it’s not just in Mayfair and Chelsea we see prices like this. Even in areas that have only recently “up and come” such as Hackney in East London property values are going through the roof. The average price in prime central London grew 12.3% to £1,447,894 over 2013. As lenders focused in the capital I have to admit the market seems frothy. But I just can’t see where this is going to stop.

The fundamentals are there and although it seems absurd that prices should keep rising at this breakneck speed, a lot of this is not being driven by lending at all. Foreign cash is still pouring into London’s prime market and we are witnessing the trickle effect of that in the mortgaged property market.

Real people who want and need to live in London are being pushed further from the centre of the city and paying more for their homes. That in turn is pushing those who lived there further out still. Landlords and property developers are capitalising on this, buying up property in less good condition and either selling it on for a healthy profit just months later or letting it out for an equally healthy sum. Rents are now in excess of £1,000 a month according to the latest figures from LSL Property Services, and income yields are between 5% and 9% depending on the property type. In an economy where most savings rates are below inflation and companies are still reluctant to pay large dividends it’s understandable that more people are considering property investment as a way to generate income.

Accusations levelled at Help to Buy are equally ill informed. Halifax published its lending figures in early February showing that it turned away 80% of applicants for the scheme because they didn’t meet affordability criteria. Also interesting is the average property value for its Help to Buy scheme applications - £157,660. Not exactly house price bubble levels despite the scheme being available on house purchases where the property is worth up to £600,000. Even the average amount lent to borrowers in greater London is only £280,000 and only 20% of the borrowers Halifax lent to on the scheme were in London and the South East – four out of ten were from elsewhere across the UK.

Talk of a house price bubble in London is easy to understand given how fast property values are rising. But it is just talk – political scaremongering lead mostly by Labour and the Liberal Democrats in fact, presumably trying to undermine the credibility of the Tories’ economic recovery plan.

Ultimately the price of anything is what someone is prepared to pay. London is a major cosmopolitan city and with a relatively benign government and tax environment. And with property in the capital so scarce, unless the government starts building on a very large scale, the law of supply and demand will mean prices keep rising.