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A Quick Guide To Mortgages In The UK

  Mortgages are a type of loan provided by a Bank or Building Society. This legal agreement between you and the lender is designed to help you buy property or land and will normally last for 25 years (although the term can be shorter if required). The loan is ‘secured’ against the value of the property until it’s...

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Best Fixed Rate Mortgage Offers This Month

Will mortgage costs start to rise in 2017? Should you sign up to a fixed rate deal now? This article previously spoke about record low mortgage offers with HSBC offering a record low 0.99% 2 year fixed rate deal. HSBC have now pulled that deal from the market due to rising costs. The worry for...

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The Benefits Of An OffSet Mortgage – Are You Missing Out?

The Offset Mortgage is growing in popularity as savers continue to struggle to find a good return on their money. Interest rates on savings remain at around 1% which means home-owners could benefit by combining their savings and mortgage balances. Offset Mortgages currently only account for 10% of the UK mortgage market. Are borrowers missing out? An Offset...

Leading Causes Of A Poor Credit Score

How To Get A Free Credit Report And What To Do With It

A credit report is a detailed report of an individual’s credit history. Credit rating agencies collect information and create credit reports based on that information, and lenders use the reports along with other details to determine an applicants’ creditworthiness for a loan, mortgage or credit card. Lenders will generally use one of three credit reference agencies – Equifax,...

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Best High Interest Savings Accounts

With interest rates at an all time low, savers are finding it difficult to find a savings account which offers them a good return on their money. The market is definitely tough at the moment and from January 2017 interest rates on savings accounts will fall further given the recent cut in interests rates to...

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Could Home Equity Release (Lifetime Mortgage) Be The Best Way To Fund Your Retirement?

With delayed retirement, uncertain economic stability and growing inflation, could Home Equity Release provide the financial benefits retirees are seeking? Over the past decade, our idea of what constitutes retirement has altered dramatically. Far from the traditional view of retirees content to while away their twilight years with few interests beyond gardening, the generation of...

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Why Retirement Communities Are Growing In Popularity

Retirement communities (sometimes called retirement villages or retirement housing) has always been a very popular option for seniors in the USA. In the UK they have traditionally been less popular than staying in your own home but this is changing fast and here is why. Retirement Communities Explained Retirement homes have had a bad reputation...

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Peer To Peer Lending – A Better Way To Save And Invest?

What Is Peer To Peer Lending?   Peer To Peer lending websites have grown in popularity over the past 10 years in the UK. They offer an alternative to both a traditional savings account and an investment fund. They are a hybrid of both in most cases. The basic idea is to bypass traditional banks,...

Five Main Factors Affect Your Credit Score

7 Things You Need To Know About Your Credit History

Your credit history is important as it impacts whether or not lenders will offer you loans, mortgages and credit cards – amongst other borrowing options. Whether you’re entirely new to the credit game or are a seasoned borrower, we explore seven essential things that you should know about your credit history!

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