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16th September 2009
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate advi... Read >
Author: mehraj18th May 2009
Lenders are refusing to grant mortgages to homeowners for the most spurious reasons. A bank customer had his application rejected because he had gone over his overdraft limit by only 30 pounds. The application of another potential mortgagee was rejected b... Read >
Author: michael challiner15th May 2009
When self-employed people are trying to find a lender, they may be seen by the lending institutions to be a borrower of higher risk because they have no way to show that they have a source of income that is steady.
By granting the self-employed borrow... Read >
Author: Alisdair Cosgrove18th February 2009
Low doc loans are specifically designed to meet the needs of the self-employed. You still have to apply in writing and sign your loan agreement, but instead of providing proof of income, you typically only need to sign a declaration stating your income an... Read >
Author: TedBrumby12th January 2009
The credit crunch has created a mortgage drought that is expected to worsen and more people are expected to slip into mortgage arrears in 2009.
For those with bad debts, arrears, credit problems and CCJs the outlook is bleak with one in four finding... Read >
Author: ServicePR20th August 2008
Loans against property can be broadly divided under two head. They are loans against residential property and and loans against commercial property. Both these loans offer an amount based on the equity value of the pledged property. The real estate market... Read >
Author: gracy14th August 2008
What if there are emergencies like car repair, medical emergencies, special family occasions etc and payday is days to come and what if you are under bad credit as well. Well nothing to fear as there are short term loans with bad credit. These short term ... Read >
Author: Andrea Fletcher14th August 2008
What if there are emergencies like car repair, medical emergencies, special family occasions etc and payday is days to come and what if you are under bad credit as well. Well nothing to fear as there are short term loans with bad credit. These short term ... Read >
Author: Andrea Fletcher29th July 2008
The common financing schemes of companies offering development finance includes: bridging finance, property development finance and commercial mortgage.
Bridging finance is usually short term and does not require status of borrowers. Typical term is on... Read >
Author: Cherry B08th July 2008
“I can hear (too much noise from) my neighbours, how can this be improved?” is one of the most common questions asked of acoustic consultants. People are understandably sensitive to and intolerant of noise between dwellings. Increased noise is partly... Read >
Author: Mike Legon01st July 2008
Re-mortgaging, has represented 49 per cent of mortgage business in January and February this year and is expected to grow further over the next quarter according to, Intermediary Mortgage Lenders Association (IMLA).
Intermediaries now, expect to compl... Read >
Author: Ruth27th June 2008
Self cert mortgages are available to everyone, but in particular are useful for those who cannot prove their income or do not qualify for standard mortgages. You are not required to provide documentary evidence of your mortgage, but it is important that ... Read >
Author: LolitaBrown27th June 2008
Self cert mortgages are available to everyone, but in particular are useful for those who cannot prove their income or do not qualify for standard mortgages. You are not required to provide documentary evidence of your mortgage, but it is important that ... Read >
Author: LolitaBrown09th May 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate ad... Read >
Author: Jemma08th May 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate ad... Read >
Author: Jemma29th April 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate advi... Read >
Author: OnlyFinance02nd April 2008
Self employed business is the best business in the world but making funds available for this type of business is a Herculean task. Self employed people don’t have access to the readily available funds in the market. Self employed people are referred to ... Read >
Author: Gilbert Imlay14th February 2008
The recent problems within the secure loan market have been pronounced within the self certification market, more than any other. A self certification loan is a loan whereby the applicant self certifies their income.The self employed and applicants who ar... Read >
Author: Alan Reed06th February 2008
Despite trailing off towards the end of the year gross mortgage lending hit record levels during 2007, according to figures released by the Council of Mortgage Lenders (CML).
Although the organisation is warning that the market is weakening, it report... Read >
Author: Adam Singleton06th February 2008
With 'credit crunch' rapidly becoming an everyday phrase, the Citizen’s Advice Bureaux has conducted a survey to establish the true extent of the debt problem for the UK and the results are quite startling. They have concluded that many people drowning ... Read >
Author: pmcindoe22nd January 2008
Self Certification for a loan is essentially the method whereby a client self declares their income. This may occur when a client is self employed, or is employed but also has an income derived from work outside of their normal employment. Many lenders, e... Read >
Author: Alan Reed07th January 2008
It must be first stated that great care must be taken with these type of mortgage products as you are borrowing over and above the equity within the property. So changing circumstances can adversely effect your ability to service the loan. It must also be... Read >
Author: Mortgage Services14th November 2007
Thousands of people apply online for loans every day, and the commissions loan brokers receive for successful applications mean that it's big business with plenty of money involved. Unfortunately, as in any area where there's potential profit to be made, ... Read >
Author: Martin Sumner05th November 2007
Have you considered self certification loans as a way to borrow money to own your own home, attend an institute of higher learning, or purchase personal transportation If so, why not take this quick quiz to see if self certification loans are your best o... Read >
Author: Christopher30th October 2007
If youre currently renting or leasing a residence, you probably often think about how wonderful it will be to actually own a place of your own. You could finally paint the walls that shade of beige that you love, remove the shaggy carpet and replace it w... Read >
Author: Christopher30th October 2007
You have been renting an apartment for more than a decade. The walls are cracked, the flooring is hideous, and the heater tends to quit working at the most inopportune moments. Black mould has invaded the crevices of your bathtub tile, and youre not sur... Read >
Author: Christopher29th August 2007
What are Bridging Loan and how they can be used.
At General Finance Centre, we offer our clients flexible finance solutions to our customers, so they can secure the business premises they need with the commercial Mortgages which is right for them.
... Read >
Author: Robert Palmer28th August 2007
Night Club Finance
At General Finance Centre, we�ve provided numerous secured lending packages for people looking to acquire and run night clubs across the UK. We�ve also provided commercial finance for bar owners looking to remortgage their exis... Read >
Author: Robert Palmer23rd May 2007
Some aspects of self employed loans
Credit history plays an important role in receiving self employed personal loans so the case is different for traditionally employed and a job starter. It is advisable to go through a broker to get this loan as he h... Read >
Author: Christian Phelps30th April 2007
Even as recently as a decade ago being self employed was a distinct disadvantage when you went to get a loan in the United Kingdom. UK Lenders just did not like it that they could not ask for that pay stub as proof of employment when you wanted to get a m... Read >
Author: Christopher21st April 2007
Being self employed can cause a lot of problems when trying to secure a loan. Many lenders prefer to have a lot of documentation and proof of income. Self employment is seen as risky business because the income is not guaranteed and is not often steady.
... Read >
Author: Christopher07th April 2007
Being self employed has many perks, however, securing a loan can be difficult. Lenders see a self employed person as a risk. That is because they do not have a guaranteed paycheck and their income often varies so much that it is hard to pinpoint exactly w... Read >
Author: Christopher14th March 2007
Self Employed No Income Proof Loans
If you are a freelance workers, seasonal worker, self employed business owner or company director then providing proof of income can be difficult. Most self employed people tend to declare as smaller amount of income... Read >
Author: dyouell08th February 2007
Ten years ago if you were self employed you were very limited to the deals that were available to you. Lenders tended not to like it if you couldn�t prove you income when apply for a secured loan or mortgage.
Things have changed, because they have ha... Read >
Author: Christopher18th November 2006
Self employed loans are the loans, which are meant for self employed people. Before, discussing about these loans, it is necessary to mention, who are considered as self employed. Normally, self employed people run their own enterprises. They could be a p... Read >
Author: Amanda Thompson31st 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 challiner15th July 2006
Self Certification Commercial Mortgages
Whether you are buying a business, raising money to pay off debts, looking for a cheaper interest rate or expanding your business, a commercial mortgage is what you may be considering.
But do we really understan... Read >
Author: Joe Kocsis10th May 2006
Jargon Buster
Adverse Credit: used to describe a person who has a history of defaulting on credit repayments, has county court judgements or has been declared bankrupt.
APR (Annual Percentage Rate): the total amount of interest and other fees charg... Read >
Author: Paul Mccann07th May 2006
Bad credit personal loans are specifically devised for those who suffer from bad credit syndrome. But having a bad credit is not the end of the world. Lenders often charge a high rate of interest on Bad Credit Personal Loans. This is primarily because the... Read >
Author: Ruth Stanhop16th February 2006
Mortgage brokers help you pick the right home loan from the thousands on offer. Brokers can offer guidance on products from a range of providers. They search the market for you and do all the secretarial groundwork in setting up the loan.
Having pounds... Read >
Author: Prince Mathew
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