Articles

As a service to our visitors, we regularly prepare articles that may be of interest to people interested in loans, mortgages and other finance industries.

Getting a loan with adverse credit - Advice and information on how to get a loan if you have bad or adverse credit.

Manage your money better with a debt consolidation loan - Advice and information on the benefits of merging your debts into a single, affordable and low rate consolidation loan.

Annual Percentage Rate - Explanation of APR, and what it means to you when looking for a loan.

Interest Rates Cut - August saw the Monetary Policy Committee cut the base rate of interest to 4.5% in a move welcomed by many...

Home Improvement Loans - Moving home is not the only option when you need more space, a home improvement loan can provide the money to extend your current property...

Buy to Let - The buy to let market is still showing good returns for those who have done their homework, what is there to take into account if you are considering such an investment?..

Interest Rates Held - The Monetary Policy Committee kept interest rates unchanged following their September meeting, with inflation now at a level above the two percent target a raise in rates may be on the cards..

Secured Loans - Secured loans offer many benefits to lenders when compared to the usecured option, these advantages range from lower rates to higher borrowing limits...

Coping with Bad Credit - A bad credit rating can limit your options when it comes to financial products offering credit, not least personal loans, however there are still avenues open to you...

Money Management - Looking after your finances is important to ensure that you are making the most of your hard-earned money, putting money in a savings account, budgeting correctly are very good ideas...

October Interest Rates - The Monetary Policy Committee has decided in its monthly meeting to keep the interest rates held at 4.5% for the second month in sucession, many believe that...

High Street Sales Rise - Consumer spending on the highstreet is showing signs of recovering, which is welcome news to retailers although they are still putting pressure on the MPC to cut the base rate of interest further...

BCC Calls for Rate Cut - With the business sector struggling in a slowing economy, especially in the manufacturing sector, the BCC is calling for the monetary policy committee to take action and reduce the cost of borrowing...

Inflation Rises - Those hoping for a further cut in interest rates this year, and there are many who are, will probably be disappointed as rising inflation looks likely to force the MPC to keep the interest rates steady...

Economy Picks Up - The retail sector has seen unexpected increases in consumer spending during the month of September, and the mortgage market has also seen an upturn. All of this will have an effect on the descisions the MPC makes on interest rates...

Mixed Outlook - Sales in the high street are still struggling, whilst the property market is seeing the beginning of a recovery. This mixed outlook makes it difficult to judge what direction the interest rates will take...

Rise in Buy to Let - The buy to let property market had been in something of a lull, however with falling prices and interest rates, the investors are beginning to return to the sector and activity is starting to pick up again...

Costly Christmas - It's a fact that modern day christmas can cost a small fortune, buying gifts for family and freinds, entertaing guests over the festive period all adds up, if you haven't put money aside to cover it then a loan may be the best solution...

Vulnerability to loan sharks - An independent study has shown that millions of people in deprived areas are forced to borrow money from unscrupulous loan sharks because they do not have access to mainstream banking...

Payment Protection Insurance - People often find themselves taking out insurance on a loan agreement without realising the extra costs involved...

December Interest Rates - The Bank of England and its decision makers, the Monetary Policy Committee, decided to keep the interest rates unchanged for the forth month running in order to prevent inflation from rising, regardless of the fact that the economy seems to be slowing. The Monetary Policy Committee kept the rate at 4.5% in line with predictions from the nations economists...

Flexible Repayments - People are increasingly looking to have more control over their money, which includes what they pay out on their loans and mortgages. Flexible mortgages are becoming a popular choice...

Clearing Debt - Being in debt is never a pleasent experience, if you are finding your debts difficult to manage then read this guide for information and advice on how to deal with the situation...

New Year, New Finances - With 2006 now upon us, now is the ideal time to take stock of your financial situation, and to put in to practice a few things that will save you money and improve your finances as a whole. ...

Strong Start for Housing Market - January has seen a strengthening of the UK housing market, with prices rising 1.4% over the course of the month, the largest increase since July of 2004. This increase has pushed the average house price ...

Overdrafts and Credit Cards - Personal loans and mortgages are not the only options open to people looking for credit, most bank accounts offer credit cards and overdrafts that can be an effective choice for short term financing...

Increased Loan Competition - December and January times are the busiest times of the year for money lenders; those consumers wanting to recoup after the major spend at Christmas time and the rush for those bargain holidays in January may need a loan to pay for it all...

Rates Unlikely to Change - With a relatively strong housing market at the moment, it looks unlikely that the Monetary Policy Committee will lower interest rates in the near future...

Logbook Loan - The V5 registration document is also known as the vehicle logbook. It contains information regarding the cars make, model, engine, number plate, colour etc. This certificate can now be used in to apply for a loan, known as a logbook loan.

Mortgage Shopping - If you have a mortgage already, you may find that a bit of shopping around could get you a better deal and save you money in interest payments. Remortgaging needn't be difficult, and if your circumstances are right it could lead to large savings.

Self-Employed Mortgages - Being self-employed carries a lot of benefits, like flexible work hours and more freedom, but when it comes to getting a mortgage it can make things a bit more difficult. Self-cert mortgages aim to help ease the process.

House Price Growth Slows - or Does It? - Figures from the Office of the Deputy Prime Minister (ODPM) show that house prices grew at a much slower rate during February than they did the month previous, however figures compiled by major lenders seem to paint a different picture.

Interest Rates Unchanged - The May rate setting meeting of the Monetary Policy Committee has seen interest rates held unchanged. Most analysts now feel that with the economy recovering we are unlikely to see any cuts for the remainder of the year at the least.

Choosing the right Credit Card - There are many benefits and equally there are as many risks, but used properly they can provide free short term credit on purchases, a safe and convenient way to pay for outstanding bills, protection against fraud and some companies offer reward and loyalty schemes. Some cards even offer cash back on purchases.

Parents take responsibility for Student Debt - Parents are having to find forms of finance other than their incomes in order to pay for their children’s education. With suggestions that government funded schools are becoming inadequate, and university fees reaching preposterous amounts, parents still want the best for there kids regardless of the cost.

Vintage Car Buyers - Older consumers make up a significant proportion of all new car sales, while younger generations tend to use a car loan and hit the second-hand market in oder to track down a good deal...

House Price Growth - Despite the rise in interest rates at the beginning of August, the housing market has continued to see growth in the price of property, with growth running at the same level as the previous month...

Car Loans and Credit Advice - At last people are beginning to see sense in terms of car purchasing/financing. Research shows that more and more people are buying a car through the process of a loan from a loans company rather than car dealership financing...

Insolvency Rises - Last year had the highest number of people ever becoming insolvent, with in excess of one hundred thousand people having to enter into an IVA or declare themselves bankrupt. High inflation, increasing energy costs and interest rate rises towards the end of the year...

Disposable Income Falls - Despite growth in the average levels of pay, most people are finding that they have less disposable income available to them, thanks to a higher cost of living...

First Time Struggle - Affordability of home for first time buyers is at a real low, less and less people are finding that they are able to enter the market, as prices have grown way in advance of average earnings...