Borrow, borrow, borrow. Most adults at some point in their lives borrow to make a big purchase or to stay afloat and for many of them debt becomes as comfortable as quicksand. Debt is one of the main drivers of the economy, allowing businesses owners to borrow to expand their companies and for consumers to… Read more
Viewing posts tagged with: borrow
Is right now the best time to get your first time buyer mortgage?
Once you finally make it onto the property ladder, you complete a life goal. And you deject the anxiety that comes with ‘wishing for what could be’. It’s tough, before that first step. You feel the days tick away. Your colleagues share their housewarming photos on Facebook. And you become all too aware of how… Read more
Paying off your mortgage early is easier than you think
Five years, ago, I took out my very first mortgage and bought a three bed flat over the next thirty years. Interest rates were low, so I opted for an index tracker that hasn’t moved since. One of my favourite features about that mortgage is the ability to make small repayments whenever you feel like… Read more
How to keep your credit rating positive
If you’re a new, up-and-coming business it’s important that your credit rating is positive and clear of any misdemeanors to ensure you can obtain loans and help your growing enterprise excel. There are many ways to improve credit rating and just as many things you can do to tarnish your report. Steer clear of… Read more
Qualifying for a homeowner loan
Individuals who already own their property with a mortgage are normally eligible to apply for a homeowner loan. In this way, they can borrow extra money using their home as collateral against the loan. A secured loan (also referred to sometimes as a secured homeowner loan) lets you take out a loan which is… Read more
How to Fund Home Improvements
A recent survey by Lloyds TSB has suggested that the total spent by UK households on DIY has fallen to its lowest level since 2000, with more homeowners than ever resorting to a simple lick of paint or some new wallpaper to improve their home. An average British household now spends just £352 on home… Read more
4 things to consider before buying a house on your own
I own a property in the UK that I bought alone a few years ago. Even though I had a boyfriend at the time, he had no interest in co-signing and I didn’t have much interest in getting him on board. Not that I didn’t love him at the time, but I knew it was… Read more
New social media advertising guidelines for payday lenders
Following a raft of recent regulatory reforms and proposals, the Financial Conduct Authority has been cracking the whip once more, this time turning their attention towards the consumer credit industry’s use of social media to advertise their products. Much has changed since April 1, when the Financial Conduct Authority (FCA) began its regulatory regime…. Read more
Have a student loan debt? Consider debt consolidation
Imagesource.com Rising inflation has affected all aspects of our daily lives, from higher mortgage rates to a rise in the cost of living. Unfortunately it has also lead to rise in areas like education, which many believe should be free. The cost factor has made it very difficult for students to receive top quality… Read more
4 Challenges You Face If You Have Bad Credit
If you are one of the many people who suffer from bad credit then this article probably won’t surprise you. Still it’s important to note the many extra challenges you will have when you have a bad credit history as opposed to people who have average or excellent credit. First, you will have to pay… Read more
7 Tips for Finding the Best Personal Loan for Your Circumstances
Taking out a personal loan is a fantastic way of getting your hands on the money you need to purchase one of life’s more expensive treats. Whether you have your eyes on a new car or you want to realise a lifelong dream to travel the world, this type of credit facility gives you flexibility,… Read more
Demand for Housing Continues to Outstrip Supply
Prices are on the up, which shows strength, but the lack of housing supply is behind the increase. Yet again, the Royal Institution of Chartered Surveyors has revealed that all is not well with the Scottish housing market. There’s significant demand for housing but the supply of homes simply isn’t there, which is driving up… Read more