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31st August 2009
The life insurance industries tell us that we're not buying enough insurance. Well, they would, wouldn't they? There’s a serious side to this, though. Despite the abundance of life policies or those for critical illness or income protection there’s an... Read >
Author: michael challiner24th April 2009
The UK mortgage market is diverse with many products available from a wide selection of lenders. This article is to outline the different types of mortgage rates available, how they work, the benefits and drawbacks of each one. There are 5 main types of r... Read >
Author: Sarkin30th January 2009
Interest only mortgage deals have declined to 23% of all mortgages sold between July and September 2008 according to a survey of more than 200 financial advisers conducted by Paragon Mortgage. The comparable figure for the first quarter of 2008 was 26%, w... Read >
Author: michael challiner21st January 2009
The concept behind a mortgage is relatively straightforward, you borrow money in order to buy a house and then pay interest on the loan over a prolonged period until you have paid firstly all the interest, and then the loan itself and ultimately end up in... Read >
Author: Chris26th November 2008
The story of the endowment mortgage is now written into the history of house purchase in the UK – and engraved into the memories of those unfortunate buyers, whose hopes of easing the financial strain of buying a home came to nought. Having said that, t... Read >
Author: michael challiner05th November 2008
If you’re on the lookout for a mortgage, there’s a bewildering choice and the main element you’re going to need is advice. Luckily, there’s plenty of that too, but before you ask for it, you may like to familiarize yourself with some of the jargon... Read >
Author: michael challiner18th September 2008
A mortgage is the pledging of a property to a lender as a security for a mortgage loan. In other words, the mortgage is a security for the loan that the lender makes to the borrower. In some countries, like Spain, United Kingdom, Australia, and United Sta... Read >
Author: Brayan Peter05th September 2008
The credit crunch has meant that we are all feeling the pinch. Mortgages are especially under fire and lending criteria has been stepped up and many mortgages offering large amounts of credit have been taken off the market.
Self cert mortgages have be... Read >
Author: LolitaBrown24th July 2008
Buying your first home can simultaneously be the most exhilarating and the most terrifying decision you will ever make. On the one hand, you are branching out into the world of independence, where you can make your own rules.
However, unfamiliar jargo... Read >
Author: Isla Campbell09th July 2008
It could be argued that too much choice is a bad thing. When shopping at the local supermarket for instance, there is usually a dizzying amount of brands to choose from and knowing which item to choose over another can be confusing. Price is always a ke... Read >
Author: mpressman21st January 2008
House prices have been rising astronomically over the last few years. But, the latest news headlines seem to suggest that this trend is beginning to decline and in some cases even reverse.
Houses in sought after areas that have low crime rates, excelle... Read >
Author: Nick Cox18th January 2008
Mortgages can be a confusing topic. With so many different mortgage options available, choosing the right one can be a daunting task. This is especially true if this is your first attempt at getting on the property ladder.
A mortgage will probably be ... Read >
Author: Nick Cox21st October 2007
Mortgage jargon can be baffling at the best of times, but imagine what it is like when you are beginning to meet mortgage advisers or read up on the different types and have to face all of that information at the same time! However, it need not be so comp... Read >
Author: Jason Hulott04th October 2007
When applying for mortgages borrowers have the choice of obtaining interest only or repayment mortgages.Interest only mortgages require the borrower to only pay the interest charged each month on the mortgage. The balance of the mortgage remains the same ... Read >
Author: michael sterios06th May 2007
After you have made the judgment to acquire a mortgage you must be able to determine the amount you can afford to pay
You can do this by performing a mortgage payment calculation. There are certain considerations when you calculate mortgage payment lev... Read >
Author: James Grantworth12th April 2007
Types of Mortgages Repayment mortgages Every month, your payments to the lender go towards reducing the amount you owe as well as paying the interest they charge. So each month you're paying off a small part of your mortgage. The pros It'... Read >
Author: Hanson Wealth Management11th April 2007
If you're using a mortgage to buy your home but are not sure which one will suit your needs best, read this handy guide to mortgage types in the UK. Taking out a mortgage has never been easier.
Fixed Rate Mortgages - the lender will set the APR (Annual... Read >
Author: Carol Jameson06th February 2007
We’re all too used to hearing about rising prices. But there’s one thing that now costs less than ever – good life insurance! Intrigued? Read on …
No-one likes to think about the worst that could happen. But proper life insurance cover could pr... Read >
Author: michael challiner17th November 2006
The cost of life insurance has fallen over the past few years and there's now more choice than ever, at prices that won't break the bank.
If you have a family you could provide security for them by taking out adequate life insurance cover. In the tragi... Read >
Author: michael challiner18th October 2006
Basic principle of a mortgage is very simple: you borrow money to buy a
house and pay back the loan with interest. However, nowadays there are
so many products available that it can be mind-boggling. Here’s a guide
to methods of repayment and interes... Read >
Author: Benedict Rohan27th September 2006
The numerous developments in the world of mortgages have seen almost all kinds of people taking a mortgage. This essentially means that if you have a decent job and a passable credit history, you can get a mortgage. The interest rates and payment options ... Read >
Author: James Smith01st September 2006
After many months of delay non-nationals wishing to purchase a holiday home in Turkey are now able subject to approval to raise funds through a mortgage for the 1st time.
Purchasers from The United Kingdom, Ireland, Germany and Holland have been incre... Read >
Author: Robert Palmer21st August 2006
This article discusses the current situation with endowment mortgages in the UK. If you own an endowment plan and have yet to take any action regarding a possible shortfall, you must act quickly to rectify your situation. This document will help you to le... Read >
Author: martin nolan13th August 2006
Life insurance, also known as term assurance, is a popular form of insurance that people get so in the event of their death, their family and dependants will be able to cope financially. However, not everyone has a family and children, so do they need it?... Read >
Author: michael challiner26th July 2006
If you are new to borrowing and are just looking for your first home, then you probably are unsure about how mortgages work, and what the various types of mortgages are. If you are about to get your first mortgage, then you need to know the basics of what... Read >
Author: Peter Kenny07th July 2006
In today's ever-changing world, people need more and more flexibility when it comes to borrowing and mortgages. With this in mind, more and more lenders are offering what they term as 'flexible' mortgages. However, the term 'flexible' can mean a lot of di... Read >
Author: Peter Kenny27th June 2006
What Is Capital and Repayment Mortgage?
"Repayment mortgage (also called a capital-and interest loan)
Your monthly payments gradually pay off the amount you owe as well as paying the interest charged on the loan. Provided you make all the agreed payment... Read >
Author: James Smith27th June 2006
What Is An Endowment Mortgage?
An endowment mortgage, in theory, is supposed to lower your mortgage payment. Ideally, endowment mortgages are much cheaper than standard mortgage policies such as repayment mortgages. When you get an endowment mortgage... Read >
Author: James Smith27th June 2006
Introduction:
Property is an investment, and if purchased in a planned way is beneficial otherwise it may be dangerous if a high amount is borrowed. Most of the financial authorities prefer the first time buyer and offers various incentives. You should... Read >
Author: James Smith16th June 2006
In today's ever-changing world, people need more and more flexibility when it comes to borrowing and mortgages. With this in mind, more and more lenders are offering what they term as 'flexible' mortgages. However, the term 'flexible' can mean a lot of di... Read >
Author: Peter Kenny07th May 2006
Interest Only Mortgages
Interest Only Mortgage is a means to payback a certain mortgage. On availment of interest-only mortgage, monthly amortization does not include any partial payment of the loan. The borrower has to pay only the fixed monthly inter... Read >
Author: Patrick Altoft20th April 2006
Here we have 17 tips to help you through the trickiest of the 3 CeMAP papers - CeMAP 3. Enjoy the read and practise each tip.
1. Read the question to see whose shoes you should put yourself in. Sometimes it may be a mortgage broker; other times a buil... Read >
Author: Paul Archer22nd February 2006
Copyright 2006 Vincent Wilmot
If you need or want a mortgage, then you can easily get a mortgage that is not the best one for you. Mortgages are often missold by sellers claiming to be experts. One day they all push Endowment mortgages, then Repayment ... Read >
Author: Vincent Wilmot07th December 2005
Qute simply, a repayment mortgage is an arrangement where the ultimate goal is to pay off the mortgage on a property. This is the most common type of payment agreement for both business and home morgages, as it gives the borrower the knowledge that they a... Read >
Author: Jeremy Maddock
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