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23rd September 2009
UK savers were badly hit in the worst of the recession, as base rates continued to fall to their lowest level in history – 0.5%, the rate at which they still remain, marking the sixth month in a row.
This caused the UK savings market to crash, forcin... Read >
Author: Sam Gooch22nd September 2009
Advisers say that the most important thing to do if you fall into mortgage arrears is to speak to your lender - and the earlier the better - if possible, even before you miss a monthly payment. Mortgage lenders have all agreed to deal with arrears "positi... Read >
Author: michael challiner01st September 2009
I imagine that double glazing companies and their sales staff must have been cheered by the latest government initiative to encourage home owners to adopt energy saving home improvement measures (which we wrote about earlier on this month).
But now it... Read >
Author: James Sytinuyikia19th August 2009
It is common knowledge that Individual Savings Accounts (ISAs) have been offered as the “no-brainer” tax free method for saving without having to pay tax on the interest earned. But recent surveys show that they may no longer be the best option.
IS... Read >
Author: Which4u17th August 2009
Many of the older generation are envious of today's young people's gap years spent travelling the globe and seeing different countries and cultures. Many have to wait until they are senior citizens before they have an opportunity to travel, and even if t... Read >
Author: michael challiner01st August 2009
How much can I earn back?
The best deal on the market is currently being offered by American Express' Platinum Cashback Card, which pays out 5% of your total expenditure during the first three months on spending of up to £2,000.
After this period t... Read >
Author: Robert Palmer31st July 2009
Balance Transfer Credit Cards
Balance Transfer cards can be a good choice for those already paying off debt on an expensive, high-interest credit card. By switching to a 0% balance transfer card, you will save money on repayments as there will be no in... Read >
Author: Robert Palmer01st July 2009
Are the first signs of the much vaunted ‘green shoots’ starting to appear in the housing market?
landlords have witnessed massive falls in housing values over the last year. According to the Halifax and Nationwide there has been almost a 20% fall ... Read >
Author: Propertyhawk30th June 2009
If you are thinking of updating your home it is recommended that you invest in affordable home insurance to protect premises from future damage.
Figures from the Halifax reveal that increasing numbers of householders currently prefer to remain in their... Read >
Author: Rochelle28th June 2009
What is a mortgage payment holiday?
Many of today's mortgages come with a feature known as a mortgage payment holiday. This allows the borrower to, on occasion, delay making a mortgage payment for a set period of time. A mortgage payment holiday must b... Read >
Author: MarkeD15th June 2009
Cash for crash cheats put lives at risk
The insurance industry is calling for a more pro-active role from the police to combat fraudulent motor accident claims, or 'cash-for-crash' claims, as they've become known. The Insurance Fraud Bureau has shown t... Read >
Author: Nick Jervis15th June 2009
This according to the Halifax FTB affordability review. It stated the house price to earnings ratio is the lowest it has been for 6 years. Martin Ellis housing economist for the Halifax said:
"There has been a marked improvement in housing affordabili... Read >
Author: Article Anuva15th June 2009
House prices are on the rise but be careful, the rise may not last.
In recent years much of the British public have made property into a sort of hobby. The TV shows have followed enthusiastic DIY'ers doing up some half derelict house into a lovely fam... Read >
Author: Wheres My Property15th June 2009
House prices are on the rise but be careful, the rise may not last.
In recent years much of the British public have made property into a sort of hobby. The TV shows have followed enthusiastic DIY'ers doing up some half derelict house into a lovely fam... Read >
Author: Wheres My Property05th June 2009
Among the many things the credit crunch has brought is an end to the perception that finance is freely available for any and all who want it. While in the past a consumer may have expected to be able to take out a loan with minimal fuss, the fact is that ... Read >
Author: Graeme Knights15th May 2009
What's in Store for 2009 & Beyond?
At the end of 2008, the industry consensus was that housing prices would fall by a total of 30% from the peak achieved in the autumn of 2007. Figures released by the Halifax in January 2009 revealed that the cost of t... Read >
Author: PJL12th May 2009
This article looks at the decrease in availability of borrowing options in the current property market and helps suggest solutions to borrowing problems you may have so that you can branch out into property investment.
If you have been watching the pro... Read >
Author: frankwoodford27th March 2009
The current economic crisis has had a profound affect on UK property developers and landlords alike. A causal relationship between the two means that whilst prospective landlords are not eager to buy property at a time of low lending and credit, companies... Read >
Author: MarkeD12th February 2009
The surprise rise of 1.9% goes against the 10 consecutive monthly falls of UK house prices, these falls have knocked off the best part of £35,000 from the average house price. This news will be welcome relief for the millions of home owners who have been... Read >
Author: Sarkin02nd February 2009
If you’re about to have any building work carried out on your property, be extra careful not to accidentally invalidate your home insurance in the process.
The best way to avoid this happening is to notify your home insurance provider of any planned ... Read >
Author: MarkeD01st February 2009
It appears that Britons have left the “buy now pay later” mentality behind, in response to the credit crunch. Credit card users, were realising that they could not continually put major expenses on their credit cards, then “foot the bill” later. H... Read >
Author: Ruth Jacob25th January 2009
The housing market isn’t moving and this is creating a build up of first time buyers who would are still trying to get on the property ladder this isn’t going to change and demand will build. Click n go Mortgages have seen a huge increase in the numbe... Read >
Author: James Marshall22nd January 2009
As a UK Mortgage Broker, we have seen an increase in mortgage deals, which is boosting the mortgage applications in the UK.
Mortgage lending in the UK housing market has increased in the last month, a leading lenders group has said.
Building societi... Read >
Author: mortgagegogo.co.uk09th January 2009
The self storage business is an example of an industry that has evolved immensely over the past few years. It represents an industry that is now spread all across the UK so no matter where you are in the country you will be able to take advantage of the h... Read >
Author: Helen08th January 2009
Nova Scotia is a diverse area with roots in both French and Scottish cultures. There are many unique and interesting activities found in the Nova Scotia area including biking along the Lighthouse Route and rafting the wide tides.
There are several bi... Read >
Author: M Gravlee15th December 2008
Another winter home insurance warning this time Halifax are warning that many homes need winter proofing to avoid damaging your home and adding extra cost to your home insurance premiums. The insurers has said that 20,000 people needed broken or frozen pi... Read >
Author: Seamus Swords04th December 2008
The Treasury Department has commissioned Sir James Crosby, the former chief executive of HBOS, owner of the Halifax and the Bank of Scotland to carry out a report on the mortgage market. His report suggests that he feels the mortgage market will be par... Read >
Author: SEO Positive04th December 2008
The Treasury Department has commissioned Sir James Crosby, the former chief executive of HBOS, owner of the Halifax and the Bank of Scotland to carry out a report on the mortgage market. His report suggests that he feels the mortgage market will be paraly... Read >
Author: SEO Positive03rd December 2008
The Treasury Department has commissioned Sir James Crosby, the former chief executive of HBOS, owner of the Halifax and the Bank of Scotland to carry out a report on the mortgage market. His report suggests that he feels the mortgage market will be paraly... Read >
Author: SEO Positive03rd December 2008
The Treasury Department has commissioned Sir James Crosby, the former chief executive of HBOS, owner of the Halifax and the Bank of Scotland to carry out a report on the mortgage market. His report suggests that he feels the mortgage market will be paraly... Read >
Author: SEO Positive01st December 2008
House prices have fallen by 15 per cent this year compared to last year with the year ending in October. This information has been released by the biggest mortgage lenders in the country the Halifax; they also stated that it had decreased by 2.2 per cent ... Read >
Author: barryloughran@live.co.uk05th November 2008
Rental incomes from residential properties are not keeping pace with rising property prices. Back in the good old days of 2001 many landlords were achieving rental income equal to 10 per cent of the purchase price of the property. This has fallen to aroun... Read >
Author: michael challiner22nd October 2008
My goodness what a rollercoaster it has been recently!
It seems that not a day goes by without more gloom. A bank goes bust or is rescued, an insurance company is swallowed up by another or is nationalised.
It is in times like these that people quit... Read >
Author: Ray Prince10th October 2008
The Upper Calder Valley is situated within the district of Calderdale and is found in the county of West Yorkshire. In the Upper Calder Valley is where the market town of Sowerby Bridge lies.
The town of Sowerby Bridge can be found along the A58, whic... Read >
Author: Helen01st October 2008
Bradford & Bingley being nationalised, just as Northern Rock was, spells the end of self cert mortgages.
Bradford & Bingley were the leading provider of self cert mortgages and buy-to-let mortgages and now we will see the two mortgage products being ph... Read >
Author: LolitaBrown18th September 2008
Online dating in Canada sees many singles get suitable matches everyday. Canadian singles have very many options when it comes to online dating. It really does not matter where you are from. Singles from Toronto, Montreal, Halifax, Vancouver, Calgary and ... Read >
Author: Francis K Githinji04th September 2008
The buy-to-let market has undergone something of a renaissance in recent years (because first-time-buyers now have to find significant deposits in order to get on the housing ladder). However, over the longer term, letting to students in university towns... Read >
Author: Propertyhawk04th September 2008
The buy-to-let market has undergone something of a renaissance in recent years (because first-time-buyers now have to find significant deposits in order to get on the housing ladder). However, over the longer term, letting to students in university towns... Read >
Author: Propertyhawk27th August 2008
Petrol and food prices have rocketed, mortgage refusals are at a new record high and house prices are on the down � but why is all this happening? Between April 2007 and April 2008, petrol prices rose by a massive 17% on average, whereas food prices als... Read >
Author: Robert Palmer24th August 2008
One of Britain's largest mortgage lenders have cut their interest prices again helping out 1st time buyers. Abbey claim to be the largest new mortgage lender holding a 26% stake for new mortgages in the UK for the first 6 months of this year.
Many ot... Read >
Author: barryloughran@live.co.uk22nd August 2008
Carbon labelling has been proposed in many countries to help educate consumers on their environmental impact. A number of independent entities, such as Carbon Trust in the UK, have initiated pilot programs to allow companies to audit their emissions and o... Read >
Author: Green Pages14th August 2008
Pets might give you unconditional love, but they aren't free - caring for them can cost you thousands of pounds over their lifetime.
A dog will cost £14,750 over its 12-year typical lifespan and a cat £14,230 over 16 years, says insurer Petpla... Read >
Author: Christian Ward21st July 2008
This week marks the UK’s ‘National Bike Week,’ (16th - 22nd June), and as many people will be swapping four wheels for two, Halifax Home Insurance is advising cyclists to be on their guard for bike thieves looking for an easy ride.
National Bike ... Read >
Author: Ruth06th July 2008
The crisis in the housing market deepened today after mortgage lender Halifax reported a dramatic slump in prices and Bellway became the latest builder to issue a profits warning.
Halifax said the average price of a house in Britain fell 2.4% in May al... Read >
Author: Mildred02nd July 2008
House repossessions have soared from the beginning of 2008, people who are hit hardest by these repossessions are borrowers who have borrowed more than they can afford against their property. Other causes that have emerged are fraudulent activity by prope... Read >
Author: Jemma29th May 2008
In the British financial market there are many home renovation financing authorities like the Ocean finance, Halifax and Freedom Finance which give the best interest rates for secured and unsecured types of borrowings. With the help of online shops the pr... Read >
Author: Aisha Cristal21st May 2008
In the UK financial markets there are numerous home renovation authorities like Ocean finance, Freedom finance and Halifax which provide the best rates of interest for secured and unsecured types of loans. Using the online shops one can very easily apply ... Read >
Author: Aisha Cristal15th May 2008
First time buyers are being urged to wait out the mortgage mess. The markets should settle down before customers consider getting a mortgage, experts say.
100% mortgages are no longer an option and a number of banks, including The Co-op Bank and F... Read >
Author: Sarah Othman08th May 2008
Banks are making it almost impossible for new entrants to the buy to let market to obtain a financially viable mortgage. The credit crunch is hitting lenders hard and in response, they are hitting the buy to let landlord even harder. The number of mortgag... Read >
Author: Carlton Johnson25th April 2008
One of the factors in considerations about the UK property market in recent times has been the apparent conflict between the short-term and long-term perspectives. Until recently, the short-termist view looked to have some merit, with rapid house price ri... Read >
Author: Assetz UK18th April 2008
That there has been a drop in house prices in recent months is largely agreed, even if some surveys, such as the Financial Times House Price Index, have consistently indicated a static picture. But the March figure of no change recorded in that survey, pl... Read >
Author: Assetz UK04th February 2008
When it comes to financial matters, we are very cautious before making any kind of choices. And similarly we appreciate those who are cautious about our money and how can we get maximum benefits. Therefore one choice that really makes each of us ponder an... Read >
Author: Smith James22nd January 2008
The last few months has seen plenty of negativity across the property market. The buy-to-let industry's demise has been foretold time and again, even though surveys by Alliance & Leicester, Bradford and Bingley and the Association of Residential Lettings ... Read >
Author: Assetz UK05th October 2007
British banks and their credit policies ave been in the news recently, but one of her best known banks and mortgages provider is to open three new offices on the Spanish islands of the Canaries plus the Balearic island of Minorca to meet demand for Briton... Read >
Author: Robert Palmer27th September 2007
It is common for people to compare mortgage deals over 25 year terms. The actual length of your mortgage can be more or less than this, but it seems to be the starting point. Halifax has just brought out a mortgage deal that is fixed at 6.39% for 25 years... Read >
Author: Accreditfs08th August 2007
A recent homebuyer's report from Halifax shows a substantial up to 20% growth in the London property prices during the first six month of the year 2007. It sounds like a good news for the sellers. At same time the rising market is more demanding when it c... Read >
Author: Jane Watt27th July 2007
Recent years have seen an astonishing rise in property rates in UK real state market. London being the highest with average cost of home touching £333,785. This is in fact a good sign for UK homeowners as coming years will witness a more increase in the ... Read >
Author: gracy25th July 2007
The Halifax found that almost three-fifths of homeowners (58%) have undertaken some form of home improvements over the past year. Younger adults are particularly keen on feathering their nests, with almost seven in ten 18-34 year olds (68%) carrying out h... Read >
05th July 2007
A recent report has found that there are drastic differences between unauthorised overdraft charges levied by UK banks. For example going £60 overdrawn will result in charges of £25 to £133 depending on the bank. The lack of consistency in charges be... Read >
Author: JamesQuinton18th April 2007
Recent research undertaken by Halifax has found that people in the UK have spent over £2.6 billion on Cats and Dogs in the last 5 years.
Consider the average costs you encounter whilst owning a pet. Firstly there’s the initial outlay to acquire the... Read >
Author: Chris Rowlands12th April 2007
Despite widespread feeling that house prices were, at last, slowing, new figures released by the country’s biggest mortgage lender Halifax, suggest that house prices, are in fact, still rising on the back of a strong economy and shortage of homes for sa... Read >
Author: JamesQuinton09th February 2007
Christmas is over for another year and we are now nervously awaiting the arrival of the dreaded credit card bill due to hit the doormat any day now.
Many of us will have made new year's resolutions to sort out our finances, so why not take a look at so... Read >
Author: Marco Barra09th January 2007
In a December article in "This is Money", they conducted a poll in which 55% of people expected prices to rise in 2007, and of these they expected the rise to be 6% or more.
This was compared to the previous year when 43% of those polled expected price... Read >
Author: Ray Prince16th November 2006
Shopping, meals and holidays are just some of the items we put on our credit cards. But credit card spending does not have to be selfish. Credit card holders can use their credit cards to support worthwhile causes such as charities.
There are several... Read >
Author: Joseph Kenny10th November 2006
According to the Nationwide building society house prices cooled slightly in October; the trend over the past quarter demonstrated by the Halifax also shows a slow down in UK house prices from June through to August. However, Nationwide believes that t... Read >
Author: Andrew Regan02nd October 2006
How do you find the best interest rates if you're planning to apply for a loan? Until relatively recently, it was simple. There were plenty of lists of comparative rates published in table form on various websites. You could take your pick and investigate... Read >
Author: michael challiner31st August 2006
Banks, building societies and mortgage brokers are always on the look-out for opportunities for more business, so what is the consumer to expect in the way of mortgage types and offers?
Re-mortgaging seems to be the buzz-word and this seems to be a sec... Read >
Author: michael challiner16th August 2006
It is a new rule that may have the banks running scared. As of May 31, money lenders are no longer allowed to charge sky-high penalties for late payments on credit cards, store cards, mortgages, loans and overdrafts. The most they are, in fact, allowed to... Read >
Author: michael challiner16th August 2006
Many surveys have identified the lack of first-time buyers as the reason for the slowdown in prices as house prices have reached such a level that it is becoming increasingly difficult to get onto the property ladder.
Mortgage lenders are also becomin... Read >
Author: michael challiner30th June 2006
Recent talk within the housing market of a possible slow down, marking an end to the mini boom which has been gradually pushing house prices up across the country, seem to have been premature. The latest figures from the British Bankers' Association (BAA... Read >
Author: Richard Green05th March 2006
Mortgage lenders and property agencies have just released their latest figures for the UK housing market displaying some conflicting results but the overall mood from analysts appears to be one of optimism for improvements in housing market activity.
... Read >
Author: sam lowe05th February 2006
How good would it feel if every time you spent money you got some back? Well that's what most credit card companies are offering you at the moment, as the big credit card company's battle out the customers can only benefit, most credit card companies offe... Read >
Author: Peter Kenny
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