We are pleased to report that first-time buyer 95% mortgages are once again available. Many potential first-time buyers have concerns about whether they will be able to afford to get a mortgage as recent times have often made it very difficult to save for a deposit. But fear not! It IS possible. Lenders are keen …
Bad credit mortgages are available -read on to find out more. Sadly, an increasing number of people find themselves, often through no fault of their own (e.g. divorce, illness, death of loved ones), missing required payments (defaulting). When this happens, it can cause all sorts of difficulties – but all is not lost! People can …
Credit Builder Card Alternatives To Using a Credit Card You might not want to use a credit builder card. They have some disadvantages compared to other cards. Credit builder cards usually have high interest rates (APR) and a low credit limit. This means that if you make a mistake on your repayments, it could be …
What is a Credit Builder Card and what does it do? Credit builder cards do what they say on the tin – a credit card to build credit. They are designed for people who are unable to get credit by other means. These cards are also known as ‘bad credit’ credit cards and they typically …
A self build property will allow you to stretch your design skills With more local planning authorities following the Government’s suggestion for relaxing planning rules, there hasn’t been a better time to consider a self-build property. According to a survey conducted back in December 2019, property prices in the UK were the second-highest per square …
Self build mortgages are increasingly popular Lenders are recognising that this is a growing sector especially now as local planning authorities are having to support custom and self-builds. The Dudley Building Society, an intermediary focused specialist lender, which relaunched its self-build product range in September, is targeting the recent Right to Build Day (30th October) …
CCJs hit a record high in 2019, but the average value has almost halved since 2010, reaching a record low in 2017. Every region in the UK saw a higher percentage increase in CCJs under £500 than over £500. London and the south had the largest increase in the number of CCJs since 2010. The …
How to deal with debt creditors who are pushing you to make repayments you can’t afford. First, don’t lose sleep over unmanageable levels of debt. If you’ve reached the point where you realise that your debt obligations have spiraled out of control and that it’s time to take responsible action, what information do you need …
Can coronavirus (COVID-19) affect me taking out a life policy? The coronavirus (COVID-19), has naturally worried many of us and given rise to concerns and questions over how best to protect our loved ones in a time like this. Life insurance plays a vital role in ensuring you can provide a way of protecting your …
Start off on the right footing and harmonise your finances. Many newly-married couples may experience a challenging time adjusting to a different way of life, especially when it comes to financial matters. As separate individuals, your spending habits will differ. This is why you may both need to make certain adjustments to combine the household …