Lower Interest rates or Lower Charges, which saves you the most? Applicants for new mortgages are being advised not to necessarily opt for the cheapest mortgage interest rates by paying higher mortgage fees, while lower rates might seem more appealing… Lower Interest rates or Lower Charges
Base Rate Trackers & Lifetime Trackers With Interest rates falling since December 2007, it wouldn’t be a bad guess to predict those on Base Rate Tracker Mortgages benefited the most, average rates of between 3-6% over the last 20 years… Base Rate Trackers
95% Mortgage Deals – Are they real? With High LTV mortgages making a comeback, it seems that the mortgage market may be experiencing a recovery, as well as Skipton Building Society offering high loan to value mortgages there are nearly… 95% Mortgage Deals
What happened to Stepped Mortgages? In the 2000′s mortgage lenders were pedalling the “stepped” mortgage, essentially it was a discounted rate mortgage with incremental changes in repayments, so the interest rate would be at a low discount and is increased… What happened to Stepped Mortgages
High LTV Mortgages The Mortgage Market Needs Them!! The housing market in the UK is being stifled in 2011 by the lack of high LTV mortgage approvals, April turned out to have the lowest level for mortgage approvals since records… Fixed Rate Mortgages & High LTV’s
What are Personal Loans? A personal loan is typically borrowed from your bank or through a shop where you are buying an expensive item. You can agree to pay back personal loans over a fixed term by making set monthly… UK Loans
CAT Standard Mortgages CAT ( Charges, Access and Terms) There are standards set by the UK Government for mortgages and loans to ensure a level of standards amongst financial products. CAT standards are voluntary, so mortgage providers don’t apply them… CAT Standard Mortgages
Mortgage Options for the Self-Employed // With Millions of people in the UK opting for self employment it seems a shame that self-employed people in the UK do not have the same choice of mortgages as people who are employed. … Mortgage Options for the Self-Employed
Interest Only Mortgages Going? Since the recession took a hold in 2007 over 250,000 homeowners have changed their mortgages from a repayment mortgages to interest only mortgage, this is largely due to the fact that many borrowers were in arrears… Interest Only Mortgages Going?
Individual Voluntary Arrangement (IVA) A much more flexible way of handling debt consolidation is with a Individual Voluntary Arrangement. Arrangements can be made at between the debtor and their creditors under supervision of an insolvency practitioner, an offer the debtor… Individual Voluntary Arrangement
Council Right to Buy Mortgages The 1981 Housing Act gave council tenants to right to buy the property they lived in from a housing association or a local authority. Nearly all council tenants have the “Right To Buy” their home.… Right to Buy Mortgages
Know the easiest way to calculate mortgage payment // Millions of people around the globe are conscious of mortgage loan but they are not aware of calculating their mortgage payments. If you are interested to calculate your mortgage payment then… Calculating a Mortgage Payment
Coventry Building Society New Mortgage Deals Coventry Building Society which has been operating since 1884 has added to its mortgage range launching of a number of new mortgage products. Capped tracker and fixed-rate options have been added to their range… Coventry Building Society Mortgage Deals
What is a Loan Shark Credit can come from a many sources. Banks, Building societies and financial institutions provide credit to individuals. Some retailers provide credit indirectly, choosing to use finance houses. Loan Sharks are unlicensed lenders. They are usually… Loan Sharks
Annuities refer to any terminating stream of fixed payments over a fixed period of time using monthly payments to savings accounts, mortgage and insurance payments. Try our Annuity Calculator Investment annuities By taking on more risk, investment annuities offer the… Annuities
Non Status Mortgages : Non-status and Self Employment Non-Status is how it sounds, but this is only in the eyes of the personal finance community, your financial status is determined by your financial past, if you do not have one… Non Status Mortgages
How do I get an Adverse Bad or Poor credit rating? Not Making all of your payments on time is the number 1 reason for bad credit. If you’ are not registered on the Electoral Roll your credit rating could… How do I get an Adverse Bad or Poor credit rating?
Self Build Mortgages Finding the right house in the right location is a tall order. Perhaps this is the reason why more and more people are choosing to buy their plot of land and have the house built for them.… Self Build Mortgages
To help you make the right decision regarding Secured Personal Loans let’s first explain how they work. A loan is money lent on a condition that it is to be repaid, this can be in the form of the installments… Secured Personal Loans
A capped rate mortgage is a standard of variable rate mortgage with an upper limit for the interest rate, so if interest rates rise above your capped figure you are protected and even better should interest rates fall below your… Capped Rate Mortgages
A standard mortgage which is not fixed or capped is known as the standard variable or rate mortgage, this is also the mortgage that you would default to if you came to the end of a fixed or capped rate… Standard Variable Rate Mortgage
Debt consolidation is one of the top three reasons for people getting secured personal loans, these can be a long-term alternative to an overdraft or maybe it is one of the reasons that you are looking for a debt consolidation… Debt Consolidation Loans
What is a bridging loan – Many people and when selling that Home can find themselves in a state of financial limbo during transactions, to solve this problem lenders came up with bridging loans, a bridge loan ” Bridges” and… Bridging Loans
Mortgages for people with bad credit Bad Credit Mortgages As with adverse credit having a bad credit rating seriously affects your chances of getting a mortgage. Bad credit is worse than having no credit or having no credit status, you… Mortgages for people with bad credit
The most desired mortgage these days is a Fixed Rate Mortgage, Lets weigh up the pros and cons. Fixed Rate Mortgage pros: You know what your payments will be month to month with a fixed rate mortgage. Fixed monthly interest… Fixed Rate Mortgage
Mortgage warning for unmarried couples as ex gets half of the Property Ex-boyfriend entitled to half share 17 years after split even though he did not pay mortgage. An appeal court ruled that despite paying the £6,000 deposit on the… Mortgage warning for unmarried couples as ex gets half of the Property
Self-cert mortgages no longer exist or at least in the format they did a few years ago. Today there are much tougher requirements for the self employed who in 2011 must now produce two or three years audited accounts. For… Self Cert Mortgages
Commercial or business mortgages are available to buy commercial property, of course commercial loan rates are higher than conventional mortgages but that is the way of things in the commercial marketplace these rates also apply to commercial development loans. Development… Commercial Mortgages