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If there’s one proven strategies that investors and homeowners alike use to increase their property’s value, it’s renovating. The only potential problem with refurbishing your house or garden is that it’s easy to get carried away, meaning you may risk spending more on the upgrades than you’ve added in value.

The key to a success renovation is to research which specific renovations work well in your local area, the experts say.

Commercial property finance is very poorly understood, and this is a major contributor to poor decisions by investors. The most important thing to know about commercial property loans is that there is no hard and fast rules about factors such as the leverage that is available, costs associated with commercial loans or the lending criteria. In commercial finance everything has to be viewed relative to the strength and size of the particular deal.

If you were to walk down the street and canvas the people who pass by, you’d be hard pressed finding someone who doesn’t have at least one credit card. In fact, most of us have two or three visas and mastercards and on the go at any one time, with varying credit limits and balances.

If it hasn’t happened to you, then it’s likely that you know someone who has ended up stuck with a mortgage that didn’t suit their needs.