This is not a stupid question to ask. I was with a client last week and I was arranging a five year fixed rate buy-to-let mortgage on a 75% loan-to-value mortgage with the Bank of Scotland. While my client and I were signing all the paperwork for their new buy-to-let mortgage, the Bank of Scotland...
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No, that’s not a misprint. Even though falling interest rates are good when you want to get a loan, they are bad for people with savings accounts. In this economy your best investment- the best place to put your money – is into paying off debts. Think of it as investing in your debt...
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We are getting a raw deal. It seems that the banks have succeeded in socialising their bad debt and poor management ability on the backs of ordinary working people and in the process they have now thrown us head long into spiralling unemployment, rising food and utility costs, along with a future of uncertainty,...
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Gordon Brown told us when he was a prudent Chancellor for 11 years that he did not want an economy that went from Boom to Bust and back again. Gordon Brown and his new Chancellor are now practicing the Big Bang Theory with our Economy it seems! Our Banking system is in melt-down, the...
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After the past weeks of turmoil in the money markets and the loss of Lehman Brothers, the fourth largest Investment Bank in America (a bank that survived the 1929 Great Depression, the First and Second World Wars) which was brought down by the after shocks of the 2007 Credit Crunch. It make us wonder what chance we...
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Finance Claims Checker now have Solicitors who are able to eliminate credit card and loan debts over £1,000! Prior to September 2008 Finance Claims Checker could only assist clients with balances over £5,000 to eliminate their credit card debts. This change means that many clients that were previously unable to be assisted can now...
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Most of us have a garage but we don’t store our cars in it. Our garages are filled with goods we have purchased and now don’t use or want any more. We are a nation of hoarders, our garages are full of goods that we can either swap, recycle and/or sell through eBay or the...
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If you have remortgaged or paid your mortgage off in full in the last few years, then you will also have paid an exit fee to end your mortgage contract with your lender. Agreement to pay an exit fee to your mortgage lender would have been detailed on your mortgage application. This Mortgage Exit...
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My personal philosophy as a money saving expert is to seek out a free service first and then compare it to a paid service. Take time to find out what the differences are. There are three different types of Debt Management companies all of which are very different. The first is a paid service that...
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When you originally applied for a credit card you were probably offered a £500 credit limit and over time you find that your credit card provider increased your credit limit many times. Often they have increased it without you having requested an increase. After many years of using your credit card regularly your borrowing...
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