When making investment decisions, you should always seek financial advice first to make sure you are aware of all of the risks involved, and that the product is suitable for you. When it comes to buying a property as an…
Improving Your Credit Report
A common misconception I am presented with, is from those who have always saved rather than borrowed and never had a loan or credit card, believing they will have a perfect credit history. In fact, if you have never taken…
Mutuals have Banksters in Their Sights
Murray N. Rothbard is attributed with first using the phrase Banksters. He said that his phrase described the banking model for western economies. He felt that the model consisted of a state sponsored money lending racket, with their commercial…
Mates Mortgages
With the amount of money you need to save for a deposit rising and the income multiples used by lenders falling, it has become difficult to get onto the housing ladder for most people. On the bright side for…
How To Improve Your Chances Of Getting A Mortgage
Whether you are a first time buyer, home owner, or remortgager it is likely in the short term to become more difficult to obtain a mortgage. This is due to the continued uncertainty in Europe. It is likely to…
The important of your mortgage interest rate
With too much information out there to handle, and too many interest rates to compare, it is hard to know where to look for the best interest rate and which ones you should be prioritising. When you watch…
How house purchase has become more daunting
These days, there aren’t many young adults buying houses compared to five or ten years ago. Back then young adults would have had lots of people around them talking about how they went about buying their first home. These…
Interest Only Mortgages A Ticking Time bomb?
Interest only mortgages became prominent in the 1970s as borrowers were incentivised to buy an endowment plan to run alongside their mortgage. The idea was that the mortgage balance would remain the same throughout the term of the mortgage,…
New Buy Scheme
The government has launched a scheme that is designed to help mainly 100,000 first time buyers over the next three years. The scheme is only requiring a 5% deposit on houses and it is available to borrowers who buy…
A Good Year to Buy Insurance
From the 21st December this year insurance companies will no longer be able to charge different rates for men and women. A lot of people, including myself think it is political correctness gone mad. The fact is men and…