In the last few years there have been big changes within the mortgage market. As the property bubble got bigger, lenders were willing to offer ever more risky deals to customers, such as 100% mortgages. When the banking crisis occurred and the housing bubble burst, not only were these special deals removed from the market, […]

Having your house repossessed is one of the most stressful and upsetting things which can happen to a person. Sometimes people fall behind because a lack of mortgage protection means that when they lose their jobs there is just no money to pay the lender. In other cases it may be down to bad budgeting, […]

You wouldn’t scoff down chocolate bar after chocolate bar would you? At least not without feeling distinctly guilty about it, so why do many women think it’s acceptable to drink far more than the recommended 2-3 units (3-4 for men) of alcohol per day? What do chocolate and alcohol have in common? In a word […]

Introduction How Cutting Back on Alcohol can Help you Get in Shape for Summer? Whether you’re planning a trip to sunnier climes or enjoying the British summer, the hot weather provides the perfect opportunity to catch some rays. Inevitably, this involves showing off our bodies a little more and squeezing in to last year’s swim […]

Financing a commercial property purchase, such as a shop, warehouse, office or factory, will involve a good deal of planning. If you are running a small business then it is likely that you will need a commercial mortgage to make such a purchase, and this will usually require a lot of research before you decide […]

There are many different types of mortgage deal available to property purchasers: tracker, variable rate, fixed rate, and more. But whichever type of mortgage deal you choose, there may well be an additional option – do you want interest-only or repayment? What is a repayment mortgage? If you choose an interest-only mortgage deal, this means […]

Getting onto the property ladder can be fraught with all kinds of anxieties, both emotional and financial. But while knowing you’ve found your dream home can be a highly subjective and sometimes soul-searching experience, getting the finances in place to pay for it will require a whole different set of skills, particularly a cool-headed and […]

When you’re taking on a new mortgage deal, there are a huge number of things to think about. But one fundamental choice you will need to make somewhere along the line is whether you want to be paying off capital each month or only the interest on that capital. An interest-only mortgage is one in […]

Credit cards can be very useful in the right circumstances, but if you’re not careful they could also end up being very expensive. Here are some of the costly mistakes many people make with credit cards – are you making them, too? Making Cash Withdrawals Credit card cash withdrawals are becoming more and more expensive, […]

Mortgage protection is an extra cost a lender will add to your mortgage which insures you for certain times when you might not be able to pay. Whether to opt for mortgage protection is a big decision asit might influence whether your house is repossessed if you have unexpected financial trouble in the future, so […]