http://www.articlealley.com en-us editorial@articlealley.com Whilst the last two years have been a difficult period for savers, they have been an excellent time for borrowers. The Bank of England has kept interest rates at record low levels since Spring 2009 meaning many mortgage borrowers have benefited from low p... http://www.articlealley.com/http://timothyfrodsham.articlealley.com/is-the-economic-situation-making-it-the-right-time-for-a-remortgage-2369902.html 07th October 2011 Individuals who have a variable rate mortgage are happy about it as long as the interest rates remain low along with the repayments are affordable. As soon as these rates begin to rise it may be appealing to improve the mortgage to hold the monthly instal... http://www.articlealley.com/http://carolbaker.articlealley.com/understand-the-importance-of-5-year-fixed-rate-mortgage-2344650.html 09th September 2011 The European Commission President announced that debt is spreading in Europe, with this crisis still looming the economic forecast looks grim. But across the channel there may, at least, be a silver lining to the ever-grim market forecasts. The Bank of En... http://www.articlealley.com/http://kieron3.articlealley.com/interest-rates-static-until-2012--how-could-you-save-2340386.html 24th August 2011 At Gerard Associates Ltd we continue our daily look at factors affecting markets and currencies allowing some insight into conditions affecting exchange rates. Cash and income timing from a UK Pension or QROPS (Qualifying Recognised Overseas Pension Sche... http://www.articlealley.com/http://russelmori.articlealley.com/sterling-rises--falls-while-industrial-output-data-contracts-2297098.html 23rd June 2011 One of the world's most important international financial institutions, The Organisation for Economic Cooperation and Development has predicted a minimal increase in GDP for the coming year, decreasing its prediction from 1.7 per cent to 1.5. They said... http://www.articlealley.com/http://timothyfrodsham.articlealley.com/dont-get-your-hopes-up-over-the-recovery-yet-oecd-warns-2172013.html 07th April 2011 With inflation on the rise and now at approximately 4%, it is inevitable that an increase in interest rates is just around the corner. All eyes are now on the Bank of England's Monetary Policy Committee to see when they are going to address this issue, si... http://www.articlealley.com/http://timothyfrodsham.articlealley.com/businesses-small-and-large-appeal-to-the-bank-of-england-to-delay-rate-rises-2149256.html 29th March 2011 If you get a new job that is quite a distance from your home, or you want to send your children to a school that's not close enough to home and don't want to sell your home, what options are available? Let to buy mortgages are one of them. So the quest... http://www.articlealley.com/http://timothyfrodsham.articlealley.com/dont-conform-with-a-buy-to-let-mortgage-have-you-considered-a-let-to-buy-mortgage-instead-2125248.html 17th March 2011 Inflation is currently at 4%, so it's inevitable that the Monetary Policy Committee are going to increase interest rates in the very near future. So is it time to go for that remortgage you've been after? It is likely that we will see interest rates in... http://www.articlealley.com/http://timothyfrodsham.articlealley.com/the-window-is-fast-closing-on-remortgage-options-as-interest-rate-rise-draw-closer-2121965.html 16th March 2011 Fixed mortgage rates have started 2011 on an upward trend. At the time of writing nearly all ‘high-street’ lenders have upped their mortgage rates at least once this year, and some have done so twice. With the recent, disappointing GDP figures, and a g... http://www.articlealley.com/http://rubelzaman.articlealley.com/where-next-for-mortgage-rates-2066132.html 23rd February 2011 Copyright (c) 2011 Steve Wentworth It is without doubt that the Bank of England will raise the interest rate at some point in the future. The Bank Base Rate BBR can not remain at the historic devalue of ½%. Last month Paul Fisher, the executive directo... http://www.articlealley.com/http://stevewentworth.articlealley.com/the-return-of-the-fixed-rate-mortgage-1988004.html 26th January 2011 We continue our daily look at factors affecting currencies allowing some insight into market conditions affecting exchange rates. Cash and income timing for UK Pensions and QROPS should be considered to maximise the Pension, QROPS and investment income an... http://www.articlealley.com/http://russelmori.articlealley.com/qualifying-recognised-overseas-pension-schemes-1811994.html 26th October 2010 At Gerard Associates Ltd we continue our daily look at factors affecting markets and currencies allowing some insight into conditions affecting exchange rates. Cash and income timing from a UK Pension or QROPS (Qualifying Recognised Overseas Pension Sche... http://www.articlealley.com/http://russelmori.articlealley.com/pension-protection-planning-1794439.html 14th October 2010 An expert has said the fact that housing prices have fallen in the UK reflects the health of the wider economy.The fact that mortgage and housing prices in the UK dropped for the second month in succession throughout August can be taken as an indicator of... http://www.articlealley.com/http://samgooch.articlealley.com/falling-property-prices-a-barometer-for-wider-economy-1746549.html 15th September 2010 UK inflation slowed to 3.1% last month from 3.2% in June, marking the third consecutive month in which prices have been slower to rise than expected.However, the Consumer Prices Index (CPI) is still well above the target rate of 2% set by the Bank of Engl... http://www.articlealley.com/http://samgooch.articlealley.com/inflation-rate-continued-to-ease-throughout-july-1746527.html 15th September 2010 We continue our daily look at factors affecting currencies allowing some insight into market conditions affecting exchange rates. Cash and income timing for UK Pensions and QROPS should be considered to maximise the Pension, QROPS and investment income an... http://www.articlealley.com/http://russelmori.articlealley.com/key-factors-affecting-currency-exchange-rates-1694777.html 11th August 2010 Rachel Lomax is a British economist and former government official who was the deputy Governor of the Bank of England, the first woman to hold this position, sitting on the Monetary Policy Committee from July 2003 to June 2008. During her time on the Bank... http://www.articlealley.com/http://marcustaylor.articlealley.com/motivational-speakers-profiled--rachel-lomax-1622730.html 28th June 2010 Firms should prepare themselves for a "modest" economic recovery, one business expert claims, as the United Kingdom shows the first signs that the economy escaped recession following a 0.1% growth in the last quarter of 2009.Business confidence is set to ... http://www.articlealley.com/http://samgooch.articlealley.com/businesses-need-to-ensure-they-have-enough-cash-1377844.html 05th February 2010 People Seeking Debt Consolidation With Hikes In House Prices Since, the UK economy is still facing tough economic headwinds, the uncertainties are expected ahead. Similarly, the situation for those people who are struggling with their household debts a... http://www.articlealley.com/http://ethanwilliam.articlealley.com/hike-in-house-prices-may-push-people-for-debt-consolidation-loan-1359575.html 21st January 2010 For the last two years, I have been purchasing and recommending precious metals against an inevitable currency crisis. Since my last report, gold has added another $50 per ounce and is now topping $600. The gold rally is just getting warmed up, and I f... http://www.articlealley.com/http://bartonsimmons.articlealley.com/precious-metals-are-hotter-than-ever-1316767.html 29th December 2009 Monetary Policy Committee Meeting held on 4 & 5 November 2009 - before turning to its immediate policy decision, the Committee discussed financial market developments; the international economy; money, credit, demand and output; and supply, costs and pric... http://www.articlealley.com/http://grahamdrage.articlealley.com/benchmarking-consultancy-summary--bank-of-england-monetary-policy-committee-meeting-minutes-nov-09-1305937.html 21st December 2009 Monetary Policy Committee Meeting held on 7 & 8 October 2009 - before turning to its immediate policy decision, the Committee discussed financial market developments; the international economy; money, credit, demand and output; and supply, costs and price... http://www.articlealley.com/http://grahamdrage.articlealley.com/benchmarking-consultancy-summary--bank-of-england-monetary-policy-committee-meeting-minutes-oct-09-1305920.html 21st December 2009 Further extension of quantitative easing could provide a welcome lift to business banking, it has been claimed.Moves by the Bank of England to extend its quantitative easing (QE) will offer a boost to the business banking community, it has been suggested.... http://www.articlealley.com/http://samgooch.articlealley.com/quantitative-easing-helps-boost-business-confidence-1239768.html 20th November 2009 If you're a homeowner on a tracker mortgage, you'll be feeling pretty pleased with yourself right now. The Bank of England's Monetary Policy Committee has slashed the base rate from 5% in October to a record low of just 0.5%. If you've got a £150,000 ... http://www.articlealley.com/http://marked.articlealley.com/when-rates-start-to-rise-1080190.html 11th September 2009 The Bank of England has today announced plans to inject a further £50billion through its quantitative easing programme - a process used to help stimulate the economy by putting more money into circulation. The new plans will increase total spendings t... http://www.articlealley.com/http://which4u.articlealley.com/bank-of-england-to-inject-50bn-into-economy-1033164.html 13th August 2009 The Bank of England may have just opted to hold the base rate at 0.5% for third consecutive month, but it is rising interest rates that have once again caused raised eyebrows in the credit card market. A no-change decision by the Monetary Policy Commit... http://www.articlealley.com/http://graemeknights.articlealley.com/credit-card-costs-causing-concern-928525.html 11th June 2009 Newly released plans from the Bank of England to cut the interest rate should be a great help to the conveyancing market, as thousands of prospective consumers are enticed by the chance to change their mortgage lenders in order to find a deal which is vee... http://www.articlealley.com/http://catm.articlealley.com/conveyancing-helped-as-new-base-interest-rate-is-cut-825244.html 13th March 2009 The Bank of England said it will create an additional £75 Billion of new money in order to boost lending in the UK economy. The move has been announced as the bank cut interest rates to a new record low of 0.5%, though most mortgage holders are unlikely ... http://www.articlealley.com/http://www.articlealley.com/bank-of-england-boosts-debt-in-the-uk-economy-820242.html 11th March 2009 Economists agree that as the global recession takes hold and economic growth comes under threat, interest rates will begin to decline prompting a revival in South Africa's property market by the beginning of 2010. Even though the sub-prime mortgage col... http://www.articlealley.com/http://graeme.articlealley.com/lower-interest-rates-will-revitalise-property-market-by-2010-814596.html 10th March 2009 There gap between the official interest rate and the one bank's are charging consumers is growing. Banks are increasing the cost of personal loans - pushing up their profit margins - despite the Bank of England cutting the base rate three times. On a £... http://www.articlealley.com/http://michaelchalliner.articlealley.com/lenders-increase-cost-of-personal-loans-yet-bank-of-england-cuts-rates-three-times-761566.html 20th January 2009 The economy will be helped to recover by the Bank of England's interest rate cut, it has been claimed. Vicky Redwood from Capital Economics stated that last week's base rate cut will increase confidence within financial markets, adding that rates are "pro... http://www.articlealley.com/http://marked.articlealley.com/uk-economy-should-recover-after-interest-rate-cut-701884.html 01st December 2008 With the current state of the property market in the UK its clear that these are not good times at all if you are looking to buy or sell your home. House prices falling meaning if you are selling your house you aren't getting as good a return on your inve... http://www.articlealley.com/http://samlowe.articlealley.com/put-an-end-to-boom-or-bust-in-the-property-market-700746.html 01st December 2008 With the credit crunch now set to develop into a full blown recession with news from both the Prime Minster and the bank of England confirming this, I think both are giving in to the fact it's a forgone conclusion. However it's not all bad news with the B... http://www.articlealley.com/http://samlowe.articlealley.com/interest-rate-cut-to-help-property-market-675652.html 27th October 2008 Worldwide, consumers are feeling the tightening strangle hold of increased commodity prices, petrol price hikes and the damning effects of the worst global melt down in eighty years, but not all is gloom and doom for the South African economy. Fortunat... http://www.articlealley.com/http://kaylareid.articlealley.com/how-do-i-break-into-the-property-market-674714.html 27th October 2008 China's central bank on Friday said it will continue international cooperation to tackle the global financial crisis and maintain market stability. The pledge came two days after the People's Bank of China (PBOC) announced an interest rate cut in ... http://www.articlealley.com/http://jackyluo.articlealley.com/pboc-more-cooperation-to-stem-global-financial-crisis-663522.html 13th October 2008 When the monetary policy committee decides to change its interest rate, the effect is that all banks and similar deposit-takers have to follow suit and alter the interest rates at which they lend and borrow by something like the same amount. This means... http://www.articlealley.com/http://seopositive.articlealley.com/the-impact-of-interest-rate-changes-653405.html 30th September 2008 It is claimed that once the "spike" of inflation has past the Bank of England will be better placed to cut interest rates. A Council of Mortgage Lenders spokesperson stated that the MPC (monetary policy committee), are unable to reduce interest rates, bec... http://www.articlealley.com/http://arouse.articlealley.com/rising-inflation-prevents-cut-in-interest-rates-628585.html 08th September 2008 Consumers looking for unsecured loans may find that the interest rates on the loans may start to increase as Payment Protection Insurance loan sales begin to drop. A leading financial research website has found that a drop in the sales of Payment Prote... http://www.articlealley.com/http://gill.articlealley.com/unsecured-loans--higher-interest-rates-predicted-588180.html 24th July 2008 Fewer people are purchasing luxury items as there is just not enough cash left in people's accounts. Could it be that we spend more than we really should on personal treats such as the latest electronic gadget? Is it that we no longer understand the impor... http://www.articlealley.com/http://artimanani2.articlealley.com/mortgage-lenders-plan-to-increase-fixed-rate-mortgages-571820.html 08th July 2008 Inflation is something that attacks affordability. At the moment, consumers are finding in particular that food and fuel is less affordable. Charged with the task of keeping price rises under control, the Bank of England's monetary policy committee (MPC) ... http://www.articlealley.com/http://assetzuk.articlealley.com/inflation-deflates-rate-expectations-556401.html 16th June 2008 The Bank of England's monetary policy committee (MPC) has decided not to change the base rate of interest for the second month running, it currently stands at five per cent. The MPC has made 6 decisions on the interest rates so far this year, 4 of whic... http://www.articlealley.com/http://arouse.articlealley.com/base-rate-remains-unchanged-556099.html 13th June 2008 It appears that banks are pushing up the cost of personal loans to help boost their profit margins, despite a decision by the Bank of England to cut the base rate on three occasions. The interest rate on a loan of £5000 was up on average by 0.71 of a ... http://www.articlealley.com/http://phil2.articlealley.com/banks-raise-interest-rates-on-loans-despite-base-rate-cuts-554925.html 11th June 2008 A new nationwide consumer poll from Lloyds TSB has suggested that concerns about food, fuel and energy costs are driving expectations of high inflation in the year to come. The consumer barometer identified that average expectations for inflation in th... http://www.articlealley.com/http://arouse.articlealley.com/consumers-feafull-of-rising-inflation-552939.html 09th June 2008 While it may not be wise to pre-empt the minutes of the Bank of England monetary policy committee's meeting on interest rates this month, it appears not to have been such a good few weeks for those keen to see the property market picking up again. First... http://www.articlealley.com/http://assetzuk.articlealley.com/banking-on-change-545601.html 22nd May 2008 There are absolutely no two ways about the fact that the current housing slowdown, coupled with tighter lending conditions that have been fuelled by the global credit crunch, has swept across the UK in the past few months. The Bank of England has stated t... http://www.articlealley.com/http://jimbrown.articlealley.com/bank-of-england-showing-poor-home-loan-statistics-544573.html 21st May 2008 The short-term prospects for the property industry may not appear too hot just now. Agent confidence is low, as shown by the Hot Property agents' index, which shows the number of estate agents more confident about the market now than they were in March at... http://www.articlealley.com/http://assetzuk.articlealley.com/now-for-the-long-term-544213.html 21st May 2008