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Mortgage Up-date Are you looking for a mortgage You may be pleasantly surprised to find out what’s on offer Mortgage Comprehension Test If you’re on the lookout for a mortgage, there’s a bewildering choice and the main element you’re going to need is advice Luckily, there’s plenty of that too, but before you ask for it, you may like to familiarize yourself with some of the jargon The Almost Perfect Borrower It’s easy enough to find a building society willing to finance your home if you’re a prime buyer, with no CCJ’s (County Court Judgements) against you and no arrears Lenders are jostling to lend their money and you should have no problems at all PPI in Its Place PPI or Payment Protection Insurance is a product designed to guarantee loan repayment if the insured is unable to honour their repayment obligation due to sickness or unemployment The basic idea seems sound, but the product has a history of mis-selling by poorly trained staff, and unreasonably high charges Mortgages – Sharing the Costs With house prices continuing to spiral, there is one sector of the house-buying market suffering more than the others First time buyers face a nightmare situation, they are desperate to make a start on the home-owning ladder, but as fast as they can save for a deposit, even the most modest property has risen again, taking it out of their reach Safe and Secure Recent hiccups in UK borrowing costs have resulted in some widely diverse newspaper headlines Two of these which have appeared in the past day or so certainly demonstrate this: “HOUSE PRICES SET TO FALL” said one “HOUSE PRICES ON THE RISE AGAIN”, said the other, from their places alongside each other on the newspaper stand Critical Illness Cover – Tell All Life insurance, term assurance, critical illness cover, level term, pension term and Uncle Tom Cobley and all Confusing, isn’t it Buy-to-let – Think About It Over the past few months, there’s been a general easing of the rules which apply to buy-to-let mortgages Not everyone is completely happy with this and some feel it’s slightly risky for the first-time, inexperienced purchaser Mortgages, And Moving Moving to a new job can be a time of great interest, with new workmates and new situations entering your life It can also be a time of increased stress, especially if it also involves moving house Custom-built Mortgages As everyone knows, house prices have hit the highs in the past few years As a result, many homeowners are sitting on a very nice build-up of equity in their homes Critical Decision Time? The results of an EU study have just been released They may leave you feeling just a little uneasy with regards to your future plans Price Right For PPI? If you’re taking out any sort of loan, be it a mortgage, personal loan, credit card or an “indirect” loan such as a store card, you’re likely to be offered payment protection insurance, or PPI It is intended to cover the periodic (normally monthly) payments should you find yourself out of work, sick or injured Insurance – Check the Facts? It’s a staggering fact that almost half of people in the UK have no form of life insurance, many don’t have home contents insurance and many have only the minimum level of car insurance This amazing fact was disclosed recently by one of the world’s major insurance companies Personal Finance. Student Loans Debts Do Not Go On Your Credit Record. Every time you apply for credit, for example a credit card or a loan, the lender will request to see your credit history from a credit reference agency. The information they hold is so detailed that there's really no need for us to fill out that long application form, because within a fraction of a second they can see all they need to know from Experian, Equifax or Callcredit, the three main credit reference agencies. You would be very surprised to see just how much they know... Car Insurance, Save On Premiums! Everyone has to agree to an excess of some kind when getting a car insurance policy – it's the way the system works. Basically it means that if you have an accident and your car needs to be repaired, you will have to pay a set amount towards the bill. If the accident is your fault, you lose the money. If the accident is not your fault, the third party insurer reimburses you for the excess payment. If your car is written off, then your insurance company will deduct your excess... Tell The Truth With Life And Critical Illness Insurance Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder. Ms W had to have an operation to eradicate cancerous lymph nodes from her groin, and imme... Pet Insurance. Podgy Pets Need A Diet Plan Is your pet overweight? Four out of every ten pets are obese says one of the UK 's largest pet insurers. Owners are overfeeding their dogs and cats with massive portions and fatty foods as well lots of treats from the table. This had led to a huge increase in the number of pet insurance claims for health problems brought on by obesity. Petplan has revealed that during the last five years it has seen a 60% increase in obesity related claims amongst the 800,000 pets it ... Fraud. Beware Of The Fraudsters According to Which, the consumer watchdog, about 5 million of us have been targeted by fraudsters and have lost money as a result. Fraudsters are clearly finding rich pickings! So what are the most widespread scams and how do you steer clear of them? Here are six scams to be aware of. You've won a lottery prize Here you receive a letter, or e-mail telling you that you've won a big prize on some lottery you've never heard of. All you have to do is pay an administra... Life Insurance Take A Last Gasp And Count The Savings! We're not being insensitive, honestly! We're talking about your last gasp of smoke – have you given up smoking recently? Did you know that smokers paying up to 60% more for their life insurance cover compared to non-smokers. So, besides the health dividend and the money saved on cigarettes, insurance companies will chip in with lower life insurance premiums. And the insurance savings aren't to be sneezed at! A typical policyholder could save at least £10 or more per month... Mortgages. First-Time Buyers Let Down By The Governments Homebuy Scheme. Late last year, accompanied by the usual razzmatazz, Gordon Brown announced the Governments new “Open Market Homebuy” mortgage scheme for first-time buyers. Under the Homebuy scheme, first time buyers take out a mortgage for 75% of a home's value with no deposit and the Government and the mortgage lender will in practice buy the remaining 25% of the property. Then when the borrower eventually decides to sell the property, the borrower will receive 75% of the net sales pro... Personal Finance. Credit Agencies Refused Access To Information About Student Loans These days, when you apply for a mortgage, loan or other form of credit, the lending industry will automatically scrutinise your personal credit history. In practice, you hardly need to tell them anything as within a fraction of a second, the lenders computers will lock into your credit file held by any one of the big three credit agencies; Experian, Callcredit or Equifax And you'll be amazed what they know about your finances! For many years now banks, building societies... Credit Problems? Tackle Them Head On. Hate opening the post? Dread receiving the bill and Bank Statements? Sounds like your finances are becoming a problem. The ostrich solution never works when it comes to debts – they just don't go away that easily. Take a tip - there's never a better time like the present to tackle a debt problem – as soon as piling bills give you a knotted feeling in your stomach, face up to the problem. Here's some practical advice. Make savings on your credit card bills. Sav... Car Insurance. It's Getting Increasingly Expensive When You're Elderly. There were 550 serious accidents last year where the driver was over aged 70 and where driver was either killed or badly hurt, reports the Institute of Advanced Motoring . That statistic represents 8% of the national total of 7,035 similar accidents. That means that the over 70's's have more, very serious accidents per mile than any other sector of the population. This view is supported by the Association of British Insurers whose research shows that drivers aged over 70 are ... Car Loans Drive Down The Cost Most car buyers spend hours researching the makes and models of car before deciding which to buy. Then four out of ten rush out to the showroom and sign up for the car within 30 minutes of stepping inside. But will their painstaking research extend to sourcing the cheapest finance package? Probably not. Whilst around 50% of new cars bought privately are purchased on finance, nearly 20% sign up in the showroom for the finance deal offered by the manufacturer. Unfortunately... Credit Cards Shamed Into Cutting Charges The Competition Commission one of the governments watchdogs, has at last moved to shame credit cards in to cutting their charges. The long overdue move comes after the Commission concluded that the credit card industry was overcharging customers between £55 and £100 million each year through excessive interest rates and other charges. And this has been going on for a least 3 years! The main culprits by far are store cards where interest rates are as high as 30.9% - even th...
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