Tricks For Reducing Your Mortgage Repayments

Change your type of mortgage – until about a year ago, it used to be said that if you were on the standard variable rate offered by your lender then consider swapping to a fixed, discounted or tracker mortgage. But currently, with interest rates at such a low level, this is not always the case. [...]

The Advantages and Disadvantages of Different Mortgages

Standard Variable Rate Mortgage The basic type of mortgage available from a lender. In theory, as the cost of lending is adjusted the lender will change the cost of the SVR to follow these changes, but there will be times when interest rates drop and lenders do not follow in full, or lenders decide to [...]

How Your Mortgage is Related to Your Credit

Your credit rating is based upon how well you have behaved with borrowed money over the last few years and how you are handling your finances at the moment. The idea is that is can give your lender an idea of the possibility that you will pay off your mortgage loan in full, or if [...]

Reclaiming Payment Protection Insurance – It is Your Money to Get Back!

Over the last few year many lenders have automatically added Payment Protection Insurance (PPI) to the cost of their lendings. Loans, credit cards, store cards, 0% loans for furniture and more have had this charge added to them. In many of these cases where this has been added to the cost of the load, all [...]

Is Payment Protection Insurance a Worth While Expense Or a Waste of Cash?

Well, like many products, it is a matter of it is right for some, but not everyone. For some people the banks could be forgiven for enforcing the purchase of the payment protection insurance, whilst for others it is nothing more than an expensive outlay. Which of these categories do you fall into? Before you [...]

Money Saving Tips – Essential Tips to Save Yourself Some Cash

A report indicated that 28%, almost a third, of all UK businesses are considering making staff cuts this year. This means that there is a good chance that your company could be affected and will be making cost cutting savings by reducing staff. With this rate of staff cuts on the horizon, there is unlikely [...]

Don’t Fall by the Wayside Looking at Mortgage Rates

Of the 10,000 plus different type of mortgages that were available last year, many have fallen by the roadside and not been replaced. There is far less choice on the market and those that are out there are becoming more and more difficult to get hold of. At the same time, many banks are struggling [...]

Playing the Mortgage Rate Gamble

Not one of us can say for certainty whether mortgage rates will hold fast, increase or decrease over the next year, let alone the next few years or the life of your next mortgage. Whatever you choose, it’s a gamble that shouldn’t be entered into lightly. Get it wrong and you may not be able [...]



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