Read the latest industry news, find practical advice on how to grow your business and smart tips to save for the future, all here on the OakNorth blog.
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Almost every healthcare development conversation I have prioritises one question: what’s the maximum LTC you can do? And I understand why. Equity is expensive, construction costs remain high, and reducing your cash-in can make the returns look better on paper. But that question is about day one of a relationship that could last well beyond the development period.
There’s a good chance you’re already saving something for your child. A savings account, some Premium Bonds, maybe a bit tucked away in your own account “for them”. What most parents haven’t done is open a Junior ISA – an account where savings can grow tax free.
Independent sponsors have often found that the absence of a committed fund narrows their choice of lenders. We take a different view: we underwrite the business, the equity behind it and the strength of the investment case, rather than treating the structure as a shortcut to a credit decision.
A law degree points in a fairly obvious direction, and Georgia Hutley went a different way. After rotating across structured finance at Santander, she moved into debt finance at OakNorth, where she now works on deals as a Senior Associate. She talks through the switch, the steep bits, and what she’d tell anyone weighing the same move.
Every spring, savers rush to use their ISA allowance before 5 April. But leaving it to the last minute carries two quiet costs: a deposit that may not clear in time, and months of tax-free interest left on the table. Here’s how to turn an annual scramble into a steady saving habit.
