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Home insurance – building and contents

| June 18, 2014 | 0 Comments

Considering how important our homes and possessions are to us, it’s surprising that more people don’t put more consideration into their building and contents insurance. Could you afford to replace your home if it burned down? Insuring your home is so important that most mortgage providers won’t grant a mortgage without buildings insurance; however, it’s […]

Glossary of terms

| June 18, 2014 | 0 Comments

A.S.U. – Accident, sickness and unemployment insurance (sometimes referred to as A.S.R. – accident, sickness and redundancy insurance). This is an insurance policy which is taken out by the borrower and protects against the borrower being unable to work for the stated reasons. The policy will usually pay a percentage of the normal monthly mortgage […]

Key questions you should ask your lender/adviser about your new mortgage

| June 18, 2014 | 0 Comments

1. What different repayment methods are available? Make sure you understand the whole range of mortgages available. You should be told about capital and interest mortgages and interest only mortgages as well as the different repayment vehicles such as endowment policies, ISA’s and pension mortgages.   2. What is the interest rate that I will […]

Re-mortgaging – Is it really worth it and what are the catches?

| June 18, 2014 | 0 Comments

The re-mortgage market in the UK is big business for most lenders. Mortgage lenders have become increasingly aggressive with their marketing tactics over recent years as they try to hold onto or increase their market share at the expense of their competitors. In some ways this has worked to the advantage of the consumer but […]

The top ten credit myths and the truth behind them

| June 18, 2014 | 0 Comments

  It’s now harder to obtain credit than ever, so it’s vitally important to check that your credit record is accurate and up to date. If there is inaccurate information recorded against you, it could seriously hamper your chance of obtaining credit. Check out your own credit report with a free 30 day trial below. […]

Credit Checking and scoring

| June 18, 2014 | 0 Comments

  Lenders want to make sure that you are a good risk and do not have a history of bad debts and unpaid loans behind you. To do this they will do two things. First they will check your entry on credit registers. Credit reference agencies such as Experian, Equifax and CallCredit PLC hold factual […]

Applying for a credit card

| June 18, 2014 | 0 Comments

  Applying for a credit card is no different to applying for any sort of borrowing. The lender will take your personal information, income, outgoings and any existing debt into account, including personal loans and balances on other credit cards. They will also run a check on your credit history to see if you have […]

Life Insurance Guide

| June 18, 2014

Introduction What will happen to your loved ones after you die? Will they be able to support themselves? Can your spouse manage the mortgage payments and ensure your children are able to attend university? Arranging life assurance cover is the best way to ensure your family is taken care of in the event of your […]

Two Out of Ten Over 50s Travel With No Insurance

| May 6, 2014 | 0 Comments

Around twenty per cent of travelers over the age of 50 go on holiday without insurance, according to a new report. A poll of more than 10,000 people by Saga Travel Insurance found that 17 per cent go abroad without cover, while a further quarter delay buying their cover, with many purchasing insurance in the […]

Savings Confidence On The Up

| March 5, 2014 | 0 Comments

The UK population is feeling more bullish about its ability to save, a new survey by Lloyds Bank has found. The latest quarterly Lloyds Bank Savings Index asked 3,500 consumers about their savings habits during the first quarter of 2014. It found that easing pressure on disposable income and the positive economic outlook have contributed […]