Finance Tips

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Mears Group PLC (MER) – Financial and Strategic Analysis Review

Mears Group PLC (Mears) is a UK based social housing repairs and maintenance provider. The company provides social housing repairs and maintenance services to Local Authorities and Registered Social Housing Landlords. The company also provides personal care to people in their own homes through Careforce division. The company provides personal care services through partnerships with Local Authorities in domiciliary care market. In addition, the company is involved in mechanical and engineering services business through its subsidiary, Haydon Mechanical & Electrical. The company carries out more than 3,000 repairs each day to 500,000 houses nationwide.

This comprehensive SWOT profile of Mears Group PLC provides you an in-depth strategic analysis of the company’s businesses and operations.

The profile has been compiled to bring to you a clear and an unbiased view of the company’s key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms part of the ‘Profile on Demand’ service, covering over 50,000 of the world’s leading companies. Once purchased, the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Mears Group PLC including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days.

(excluding weekends).

The profile contains critical company information including*,

- Business description – A detailed description of the company’s operations and business divisions.
- Corporate strategy – Analyst’s summarization of the company’s business strategy.
- SWOT Analysis – A detailed analysis of the company’s strengths, weakness, opportunities and threats.
- Company history – Progression of key events associated with the company.
- Major products and services – A list of major products, services and brands of the company.
- Key competitors – A list of key competitors to the company.
- Key employees – A list of the key executives of the company.
- Executive biographies – A brief summary of the executives’ employment history.
- Key operational heads – A list of personnel heading key departments/functions.
- Important locations and subsidiaries – A list and contact details of key locations and subsidiaries of the company.
- Detailed financial ratios for the past five years – The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
- Interim ratios for the last five interim periods – The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Note*: Some sections may be missing if data is unavailable for the company.

Key benefits of buying this profile include,

You get detailed information about the company and its operations to identify potential customers and suppliers.
- The profile analyzes the company’s business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Understand and respond to your competitors’ business structure and strategies, and capitalize on their weaknesses. Stay up to date on the major developments affecting the company.
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Equip yourself with information that enables you to sharpen your strategies and transform your operations profitably.
- Opportunities that the company can explore and exploit are sized up and its growth potential assessed in the profile. Competitive and/or technological threats are highlighted.

Scout for potential investments and acquisition targets, with detailed insight into the companies’ strategic, financial and operational performance.
- Financial ratio presented for major public companies in the profile include the revenue trends, profitability, growth, margins and returns, liquidity and leverage, financial position and efficiency ratios.

Gain key insights into the company for academic or business research.
- Key elements such as SWOT analysis, corporate strategy and financial ratios and charts are incorporated in the profile to assist your academic or business research needs.

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Should property investors still be buying properties in the current property market? This article endeavours to explore this question and answer it once and for all.

In the last few months many lenders have made it increasingly difficult for new entrants to break into the buy to let market. The credit crunch has hit lenders hard and in response they have hit the buy to let investor harder.

Banks don’t trust each other and therefore are no longer freely lending money to each other; this is having a knock on affect on their lending to the general public and investors. The number of mortgage products available has decreased by almost 75% since April 2007. Significant players like mortgage express have pulled key products leaving many buy to let landlords wondering how to make their next property purchase stack up.

Every Tom, Dick and Harry seems to be claiming that they can be the solution to the property investor financial problems and that they can still offer products like instant remortgaging. Investors have become weary of these deals and promises because they know some of these deals maybe bordering on the fringes of what is lawful.

Should you be buying properties at the moment?

Well it depends on what your strategy is. Are you a buy to let investor who is in this for the long run? Can you handle the negative comments in the media and not have a heart attack every time you hear the words “Property Market Crash”. If you answered yes to both these questions, then you should still be buying.

However, you should be analysing your strategy, as it might need tweaking in the current market conditions. By following the guidelines below you stand more of a chance of building a robust portfolio at this time.

Focus on buying for more than 25% below market value. Focus on buying lower value properties with good rental yields and positive cash flow. – Stay away from anything off plan, or anything that it is difficult to get comparisons for. Don’t release equity and put it all straight into your next purchase, begin to build up a bit of a cash reserve to help you weather any storms if things get any worse. NEVER, miss a mortgage payment. At the moment if you miss a mortgage payment on any of your properties, you are probably going to decrease your financial options even further. Lenders are being more stringent with applicants than they used to be and the odd blemish on your credit file that you might have been able to get away with before may now stop some of your mortgage applications in their tracks. Buy properties where you are able to simply and easily rearrange the internal structure. Doing things such as moving internal walls around to create added value such as an additional bedroom, could be crucial at the moment. Do everything you can to entice the buyer. Consider advertising that you will pay stamp duty and all legal fees, this can be the difference between success and failure in the current market place.

For the investors that understand the property and financial markets and learn how to work with them in any and all conditions, the next few years promise to be times of learning and expansion, not contraction. Yes there are difficult times ahead, but out of huge challenges can come tremendous growth.

If you have hit an impasse, use all your powers to work out how to push through it. Maybe you need to learn a new skill such as lease options, sale and rent backs or investing abroad. Be adaptable, be resourceful, ask questions, learn from others, do joint ventures, make up your mind to push forward not go backwards.

This is when the men get separated from the boys, the novice investors from the professionals and tomorrows property multimillionaires from the “I could have been somebody” crowd.

When you look around your neighborhoods, it’s hard to find any good news. Friends and neighbors may have lost their jobs or be on short-time. There are foreclosed properties on every street. Shops and businesses have been closing down with increasing frequency. These are the signs of a real recession where unemployment and poverty stalk the land. The cause of all this pain is not hard to find. We have all been living beyond our means. When the banks and credit card companies offered us more money to borrow, we just took it. Why bother to save when the value of our homes only goes up? Let’s plan for our retirement by borrowing cheap money and buying stocks and other more risky investments. No-one ever loses if they follow the advice of the credit rating agencies. Well, we know better now. What goes up can also come down. What is given a triple A rating can be junk tomorrow.

In the midst of all this chaos, the credit card operators have been cutting back on the borrowing limits. This has forced pain on us for two reasons. Firstly, finding the money to pay down our debts more quickly means redesigning the family budget. Sacrifices have to be made. Secondly, the way the credit score is calculated depends in part on the extent to which we use the credit cards we have. If the limits are reduced, we look like bad risks because the amount borrowed is closer to the limit. We have less money available to borrow and cut down on card usage so we can repay faster. Put the two together and the score falls. This is a direct criticism of the methods used to calculate the scores. It produces a fundamentally unfair result during a recession.

This would not be a problem if the credit score was only used by banks and credit card operators. But it’s also used by companies to help decide whether to employ you, by landlords deciding whether to rent to you and by insurance companies deciding whether you are a responsible person. National figures show more than half all insurance companies use credit scores as a key factor in deciding your premium rate. This is extraordinary. There is only one possible effect of being in debt when it comes to the way in which you drive. If you cannot afford to repair your vehicle, you drive defensively to reduce the risk of an accident.

Some states like California and Massachusetts have banned the use of credit score for this purpose, but they are a minority. They cite discrimination as a reason for the ban. The majority of the population without access to banking services and credit cards fall into minority racial groups. When they do not have a credit score, they are forced to pay a higher premium simply because of who they are, not how they drive. So, when you are looking for affordable cover, get the maximum possible number of auto insurance quotes to find the best policies. If you live in a state which refuses the regulation of the auto insurance market, contact your local government representatives and tell them how much pain you are suffering because of this unfair use of credit scores.

Many people have realised that investing in property can be extremely lucrative these days, and many landlords across the UK are making a lot of money, both in terms of rising equity levels in their properties and in terms of the rental income that they receive from renting out these properties.

For those interested in purchasing a property to rent out there are specialist mortgages available known as buy to let mortgages. As with all types of finance it is important to compare mortgages in the buy to let sector, as you want to find cheap mortgages that offer competitive rates of interest.

You will find that most lenders charge a slightly higher rate of interest on buy to let mortgages, although the difference in the rate of interest is not usually all that significant. You will generally have to pay a significantly higher deposit on a buy to let mortgage, with many lenders asking for a down payment of 25% of the property value, so you may need a significant sum of money upfront in order to get a buy to let mortgage.

Like other mortgage types the eligibility requirements for a buy to let mortgage can vary, and are based on factors such as your credit history and rating and your financial status. When determining how much you can borrow if you are eligible for this type of mortgage some lenders will take any regular income into account in addition to the expected rental income on the property, whereas others may only take into account the expected rental income.

When it comes to comparing buy to let mortgages the Internet is one of the easiest portals, as this method provides ease, convenience, and flexibility. You can browse and compare mortgages in the buy to let sector from the comfort and privacy of your own home, and at any time of the day or night. You can also take your time and familiarise yourself with buy to let mortgages and the industry as a whole without getting pushed into making a commitment.

When you are comparing buy to let mortgages you need to look at the same sorts of areas as you would with any other mortgage, and this includes the eligibility requirements, the level of deposit needed, the typical APR, and the monthly repayments based on the value of the property and the amount that you are putting down upfront. Also check the small print for details of any hidden fees or set up charges, so that you are clear about what you will have to pay.

As buy to let mortgages have become increasingly popular over recent years, with more and more people jumping on the buy to let bandwagon, the buy to let mortgage sector has become more and more competitive. Many lenders now offer a range of deals to entice potential landlords, so it is important that you do not jump at the first buy to let mortgage that is offered, as there may be a far cheaper mortgage out there.