TalkMoneyBlog provides free financial help and information to all our readers on a regularly bases.

Just as the world is warming up, the credit climate has undergone a profound change since the recession took hold the money saving expert has discovered. According to the latest Bank of England figures, around 1.6 million of us apply for some form of credit every month, from loans and cards to mortgages - and [...]

For every ten homes sold last month one was a remortgage. Until more mortgages arranged are remortgages each month I very doubt that property prices will drop any further. The reason for the house prices being unreasonably buoyant is due to the fact that for every ten houses sold only six new homes are coming [...]

As the editor of talkmoneyblog ,  I am often asked if now is the best time to take on a new mortgage and buy a new home, here are my finance tips. Ask ten people whether they think the time is right to venture back into the property market and you’re likely to get a [...]

First-time buyers are finding themselves in a predicament with falling house prices as the housing market becomes more affordable. Expert opinion is they are being squeezed out of home ownership by the very large deposit they are required to have in order to secure their first mortgage.  Saving up to £25,000 for a deposit takes [...]

The situation as I see it!
Money seems to be in short supply; interest rates offered by banks for saving money remains diabolical; unemployment is expected to increase by quarter of a million as students leave university and college and members of Parliament from all sides of the political spectrum have exploited their expenses for years. [...]

Buying a Schnoodle
I was talking with some clients last night and they happened to mention how they had more money at the end of each month since the interest rate had dropped from 5% to ½ %.  As a money saving expert I wanted to know what they were doing with their new found wealth [...]