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More People Switching Bank Accounts

| September 25, 2014 | 0 Comments

It’s been 12 months since the Current Account Switch Service was launched and the Payments Council has delivered its latest figures on the number of transactions. Since its launch 1.1 million customers have ditched their existing bank and switched accounts. This is an increase of 19% compared with the same period a year before, when […]

Finances Still Tight For Consumers

| September 25, 2014 | 0 Comments

Despite a much improved economic situation in the UK, over a third of people feel that their finances have not improved in the last 12 months. According to research by two out of three Brits find their ever increasing utility bills a source of financial stress as well as seeing their budgets stretched to […]

Lower Rates for Mortgage Customers

| September 22, 2014 | 0 Comments

Mortgage rates have been falling quite sharply with at least half a dozen lenders unveiling rate cuts and fee reductions in the last two months. Halifax, Nationwide, Virgin, Woolwich and Skipton have all cut rates, while others including Santander and HSBC have done away with some of their fees. Lenders are also throwing in extra […]

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 […]