Unsecured loans: ideal for you?
Unsecured loans (also known as personal or signature loans) are loans which do not rely upon collateral and are, therefore, more difficult to obtain. Those who qualify often do so by way of an exemplary credit rating. Since there is no thing of value dependent on the repayment of an unsecured loan (except the borrower’s [...]
Interest rates: what are they? how do they work?
The “price” of borrowing money, interest rates affect many aspects of one’s financial foundation. They are, essentially, the current market return on fixed income investments, and fittingly, rise and fall with market demand. In the UK, such rates are subjective to the decision of the Bank of England Monetary Policy Committee (MPC), which in turn, [...]
Finding the right mortgage
Finding the right mortgage can be a challenge, however, with a proper balance of knowledge and sage advice, it can considerably less intimidating. The first thing to keep in mind is upfront costs such as appointing a solicitor to handle the legal details, lender valuations of the property, application fee to take out a mortgage, [...]
Choosing a credit card
Credit cards have been with us since 1966 and have become part of the modern fabric of life. The market has exploded the first 50 years of the plastic friend. Choosing a credit card is not for the feint hearted – with a variety of products on offer. Credit Card Protection Credit card protection is [...]
