Will banking industry reforms results in higher loan and mortgage costs?
In the current financial climate most people are already struggling to keep on top of their borrowing costs, and most can ill afford to cope with even higher borrowing and mortgage costs. Read more
Questions to ask before taking a secured loan
When an individual is taking out a secured loan, there are many questions to ask before taking the loan. Before you take that secured loan out, you should not be afraid to ask the lender questions. Within this article, we are going to tell you some questions that you may want to put on the list to ask the lenders of thatsecured loan. Read more
Equity being used by older people in debt
According to a recent report a rising number of older homeowners are using the equity in their homes in order to pay off debts. Officials are concerned that this increasing trend is leaving more and more people without any means to support themselves in their retirement. Read more
Payday loans becoming more popular what hard up borrowers
In the past many people that were hard up and needed to raise some extra cash opted for a credit card or a loan. However, for many consumers these lines have credit have dried up over recent months, with the global credit crunch resulting in far tighter credit conditions that have left many would be borrowers out in the cold. This means that many have had to seek other ways of raising money, and this is reflected in figures that show an increase in the take up of payday loans. Read more
Payment Protection Insurance For Loans
Every year many people in the UK take out a loan in some form or another, whether it is a secured loan that is secured against the home or whether it is a contract based unsecured loan. And for most of us the thought of not being able to meet repayments on the loan one day never really crosses our minds when we are actually taking out the finance. However, there are many unforeseen circumstances that could result in the borrower being unable to meet repayments on the loan, and this could lead to severe consequences, particularly in the event that the loan is a secured one. Read more
Tips on getting a loan with bad credit
It is nothing unusual these days to have damaged credit, and in fact and increasing number of us are finding out just how difficult life can be with poor credit. Read more
IVAs – what are they?
An IVA is an individual Voluntary Arrangement, and has become known as the softer alternative to bankruptcy for those with high levels of unsecured debt. Read more
Using the Internet to find affordable finance
There are many different types of finance available these days for those with good credit and those that own their own homes. Read more
Knowing Your Loan Penalties
Knowledge is power…
It’s quite easy to find a loan these days. Whatever you want it for, you will undoubtedly find a company willing to lend you the money, even if you have CCJ’s or bad a credit rating. When you’re shopping for a loan you will of course be looking at the interest rates and comparing them to get the cheapest rather than settling for the first one you see. Read more
Payment Protection Insurance - Worth The Extra Cost?
Protecting yourself against going into debt is a logical step for many people; but you have to make sure the insurance is actually worth the risk. Read more
Student & Graduate Loans
Student and graduate loans are designed to help pay for people to get through University now that the grant system has disappeared. These days it’s estimated that a third of all eighteen year olds enter further education. When the full maintenance grant system was in place only a tenth did so. Clearly this has created a huge demand for loans. Read more
Business Loans
Something’s out there..
The world of business is a different ball game when it comes to finance. Whether you’re running your own small company, or are just a sole trader struggling to make ends meet, you might want a loan to develop your business or to tide you over a rough patch of cash-flow. Whatever you want, the options are out there… Read more
Car Loans
Houses are the single biggest purchase you are likely to make in your life. The second isn’t so cut and dried, but it’s fairly likely to be a car. Given that you’ve probably already got quite a lot of credit and debts, and so there is a good chance another personal loan would be turned down by one of the regular banks is now the time to turn to a specialist car finance package? If so, are they really just for those who can’t get finance elsewhere?
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Debt Consolidation Loans - What Are They?
Debt is an interesting thing, it quite often creeps up on you before you realise what’s happening and then it drags you under, gripping hold of you like a drowning person and under you go before you’ve had a chance to catch your breathe. Read more
What Is a Secured Loan?
As Safe as Houses…
A secured loan means that you have agreed to put up security for the lender so that if you default on the loan they will use that security to pay off the debt. Read more
What is a Guaranteed Bad Credit Loan?
Today, there are many different loans to choose from. The types of loan and the terms and conditions that come attached to them are as wide and varied as the purposes people borrow them. However, there is one type of loan that seems to be increasing constantly in popularity, and this is the bad credit loan. Read more
Bad Credit Loans
Getting it bad…
A lot of things have change over the years: none more so than the English language. Today’s teenagers are prone to use all sorts of words that have been invented either as a result of texting or simply to as a result of them wanting to adopt a form of language as their own. Read more
Wedding Loans
To Have and to Hold
Potentially, your wedding day is the best day of your life. Whether you are going for an elaborate set up with all the relatives and friends you can muster or a quiet, simple ceremony, getting married can be very expensive. And that’s not counting the honeymoon! The average wedding in the UK today costs £15,000. Read more
An Introduction To Personal Loans
It seems there are a million different ways to borrow money out there. You’ve only got to walk down the high street or browse the internet and you will be inundated with companies offering you money. Read more
Secured Loans - What You Need To Know
It’s not always easy to manage your finances in the face of unforeseen or large expenses. People might have to deal with costly occasions and events such as: Read more
