Did you know you are free to transfer your existing ISAs whenever you want?

• Almost half (48%) of those with Cash ISAs have never switched provider
• Those who have switched their Cash ISA do so, on average, nearly every 5 years (4.6 years) missing out on significant returns

Nick Dulson needed a lender who shared his vision for a barn conversion scheme near Oswestry on the Welsh borders. One part built, another very derelict and without detailed planning permission and surrounded by land that also needed planning to realise its full value.

The single major impediment to SME housebuilders increasing their output is their inability to finance projects. Since the financial crisis, only the most established housebuilders whose credit record remains intact have managed to maintain their banking relationships and, even then, they are severely constrained. For many, this has meant that rates are prohibitive and projects fail before they even start.