Live Business Centre

Money’s tied up in the business and your company’s growing? Yet you want to remortgage or buy a house that befits your standing. Don’t fret, mortgage lenders have cottoned on to need for tailored mortgages for business owners.

While you may already own your own home, you could well be thinking about re-mortgaging, either to scale up to a more expensive property or to build up a property portfolio to keep you comfortable in your old age. Whatever the case you will find yourself needing a mortgage, and the odds are this mortgage could be for big bucks.

With property prices being so high, a million may only get you a small semi in Surbiton. But, if your business is young and you are essentially self-employed, your current financial worth or earning potential may not be reflected in your accounts, which can lead to frustrating bank meetings and refused loan applications.

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If financial advisers had a pound for very time a business owner claimed their business was their pension they would be even richer. It’s not just a tired old mantra that owner-managers regurgitate – for most of you, it’s completely untrue. Find out how to ensure your plan for the future is more than just a pipe dream.

Keith Mitchell, investment manager with Newbury firm Pallett & Collins Financial Services is one person who believes the idea of a business being the same as a pension is nonsense. “This may sometimes be true – you can benefit from accelerated capital gains tax relief, which means an effective tax rate of 10%t on gains over just a few years, with the proceeds freely disposable, unlike pension funds – but it is usually bollocks.”

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Here is the basic rule of every business: you have to sell things to earn money. Salesmanship, or the art of closing a sales, therefore, is of ultimate importance for any business venture. After all, we can’t expect any earnings if we don’t make any sales.

Winning customers is essential for the success of your enterprise. And this is absolutely true for online businesses too. In fact, winning customers online has its pros and cons. The good news is that the entire world is your market, and you could potentially reach more people through the World Wide Web. The disadvantage? The Internet offers a more impersonal channel in our dealings with people, making it more difficult to gain their trust and favor.

So what can you to do then? Fear not, dear friend. As with everything else in life, you should try to accentuate the positives to compensate for the negatives. Here are 5 methods by which you could gain a good number of customers, and keep them for a long and profitable business for you and your family.

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