Latest Guides

What Is An HMO?

Rental properties are in high demand in the UK, with more and more people on the hunt for affordable properties for rent all across the country. Many tenants are looking for cheaper renting options, especially in expensive areas such as London, and HMOs can offer […]

Posted in Landlord | Comments Off on What Is An HMO?

What Are The HMO Licensing Requirements?

Investing in HMOs (House in Multiple Occupation) can be an attractive option to many landlords. The amount of income you can earn through an HMO is often higher than with standard to buy to let properties, making them an interesting investment. Managing an HMO does […]

Posted in Landlord | Comments Off on What Are The HMO Licensing Requirements?

How To Rent Out Your Spare Room

When you have a spare room in your home, instead of leaving it sitting empty or storing your old possessions, you could be using it to make some extra income. Renting out a spare room is an excellent way to improve your bank balance and […]

Posted in House & Home | Comments Off on How To Rent Out Your Spare Room

How To Invest In Student Properties

Anyone who graduated from university over a decade ago will remember student accommodation being run-down, freezing house shares with an array of problems. In more recent years, students are choosing to spend more on their rent and live in luxurious homes and purpose-built student accommodation. […]

How To Invest In Serviced Accommodation

When you are considering investing in property and using some of your money to try to make a decent return, serviced accommodation or serviced apartments might not be your first thought. More and more people are choosing to invest in serviced accommodation instead of buy-to-let […]

How To Invest In A Holiday Home

Buying a holiday home is a dream for many; the idea of being able to escape to your own holiday destination whenever you fancy is an exciting prospect. Holiday homes are not only a nice luxury but can also make for an attractive investment opportunity. […]

11 Point Checklist For Starting Your New Business

While the idea of starting your own business can seem daunting, it’s actually a quick, easy and affordable process; one most people can do for themselves by following these ten steps. 1. Assess viability When you have an idea for a business, you need to […]

Posted in Business | Comments Off on 11 Point Checklist For Starting Your New Business

A Quick Guide To Your Obligations As A Landlord

Renting out a property you own can be an excellent way of securing some extra income and is a great long term investment that many are making the most of. When you invest in buy to let properties, you will be a landlord to the […]

Posted in Landlord | Comments Off on A Quick Guide To Your Obligations As A Landlord

A Guide To Taking On A Lodger

More and more people are choosing to increase their monthly income by renting out a spare room to a lodger. Taking in a lodger is a great way to utilise all the space in your home and make some extra money with little work. If […]

Posted in House & Home | Comments Off on A Guide To Taking On A Lodger

A Guide To Successful Buy To Let Investing

The rise of renting in the UK has made the prospect of buy to let investing a pretty interesting one to many people. Investing in a property and renting it out can be a very profitable way of using your cash, but only if you […]

Posted in Landlord | Comments Off on A Guide To Successful Buy To Let Investing

A Guide To Going Self-Employed For The First Time

According to the Office for National Statistics, there are over 4.8 million self-employed people working it the UK, a figure that has been increasing steadily since 2001. Initially, this increase was in response to the economic downturn. However, despite unemployment now being at an all-time […]

Posted in Business | Comments Off on A Guide To Going Self-Employed For The First Time

A Guide To Being A Landlord For The First Time

With renting in the UK becoming more and more popular, there has never been a better time to become a first-time landlord. The demand for rented properties is constantly on the rise, and it isn’t expected to slow down any time soon. Renting out a […]

Posted in Landlord | Comments Off on A Guide To Being A Landlord For The First Time

A Beginner’s Guide To Starting A Business

The number of people starting their own business in the UK has been growing steadily for over a decade, in part due to the uncertainties brought about by the economic downturn. It is also because working for yourself can mean a more flexible lifestyle and […]

Posted in Business | Comments Off on A Beginner’s Guide To Starting A Business

What Is Involved In The Conveyancing Process?

Most people will only buy or sell a property a handful of times during their lifetime, and the conveyancing process can often be very overwhelming to those with a limited experience of the property market. Whether you are buying or selling a property, it is […]

Posted in Conveyancing | Comments Off on What Is Involved In The Conveyancing Process?

What Is A Bill Of Sale?

Choosing the right type of loan can be difficult, especially when there are so many different types out there for borrowers to consider, with varying interest rates and specific requirements attached to all of them. If you are struggling to take out a loan through […]

Posted in Logbook Loans | Comments Off on What Is A Bill Of Sale?

Mortgage Valuation Survey Explained

The home buying process can be very confusing, especially to those new to the property market. Along the way, you will likely hear many terms that you simply don’t understand, but it is important to get as much information as you can about the process […]

Posted in House & Home | Comments Off on Mortgage Valuation Survey Explained

How To Prioritise Your Debts

Finding yourself in financial difficulty, particularly in an economy such as this where the cost of living is on the rise can be especially tough. While debts are an everyday occurrence in a vast number of peoples’ lives, allowing them to spiral out of control […]

Posted in Debt | Comments Off on How To Prioritise Your Debts

A Guide to The Homebuyer Survey

Buying a new property is an exciting time and a big financial decision that is not without its risks. When you buy a new home, you will also be taking on the responsibility of looking after the property and investing in it where necessary. If […]

Posted in House & Home | Comments Off on A Guide to The Homebuyer Survey

Could A Logbook Lender Repossess Your Car?

Taking out a loan, through whatever means, can often be a lifeline if you’re struggling financially. However, unfortunately, sometimes financial difficulties don’t stop after you’ve taken out the loan and you may find yourself in a position where you can no longer afford the repayments. […]

Posted in Logbook Loans | Comments Off on Could A Logbook Lender Repossess Your Car?

8 Home Improvements You Can Do On A Small Budget

The desire to improve your home comes regularly – but, generally speaking, it can also come at a significant cost, depending on the type of improvement you’re looking at. Finding cost-efficient ways of improving your home can give you that feeling of a brand new […]

Posted in House & Home | Comments Off on 8 Home Improvements You Can Do On A Small Budget

What Are The Alternatives To Logbook Loans?

Most people suffer some sort of financial hardship at some point in their lives. While there are plenty of options available to people who own property as a means of releasing equity, if you’re unable to do so you may find that the options available […]

Posted in Logbook Loans | Comments Off on What Are The Alternatives To Logbook Loans?

How To Improve Your Chances Of Getting A Loan If You Have A Low Credit Score

According to This Is Money, approximately 30% of people in the UK are at risk of not getting the best deals when it comes to loans because of their credit rating. The lower your credit rating, the lower your chances of being approved. Thankfully, there […]

Posted in Credit, Loans | Comments Off on How To Improve Your Chances Of Getting A Loan If You Have A Low Credit Score

How To Deal With The Debts Of Someone Who Has Died

When a partner or family member dies, it can be more difficult to handle when you also have to deal with their debts. This article explains the steps you should take to deal with the debts of someone who has died. If you need further […]

Posted in Debt | Comments Off on How To Deal With The Debts Of Someone Who Has Died

How To Deal With Late Payment Letters And Demands

If you receive a late payment letter, it can be very stressful, but you should try not to worry. Initially, it is important that you understand which of your debts are a priority. The next step is to begin to deal with them. You can […]

Posted in Debt | Comments Off on How To Deal With Late Payment Letters And Demands

5 Ways You Can Release Equity From Your Property

Life brings about those unexpected costs at the most inconvenient of times and coming up with ways to find the money can be tough. This is especially true in an economy where the cost of living is continuously on the rise. If you’re fortunate enough […]

Posted in Equity Release | Comments Off on 5 Ways You Can Release Equity From Your Property

Can You Still Get A Loan With CCJ’s, Defaults Or Missed Payments?

According to figures released by the Office for Budget Responsibility in March 2018, the average household’s debt-to-income ratio has been steadily increasing over the past few years and is set to reach 146% by 2023. Unfortunately, this means the number of people missing payments, defaulting […]

Posted in Debt, Loans | Comments Off on Can You Still Get A Loan With CCJ’s, Defaults Or Missed Payments?

Are Logbook Loans Dangerous?

Understanding loans can be difficult, especially with all the different types available to lenders. If you’re struggling to take out a loan because of your credit rating, then there are options out there for you. However, these options often come with negative repercussions. Being aware […]

Posted in Logbook Loans | Comments Off on Are Logbook Loans Dangerous?

A Guide To Getting Planning Permission

Having the financial backing to do work to your property is lovely, but there’s a lot more to it than saving up the money you need and hiring a team of people to carry out the work for you. Making sure you’re following all of […]

Posted in House & Home | Comments Off on A Guide To Getting Planning Permission

What Are The Alternatives To Guarantor Loans?

Guarantor loans are a form of unsecured debt which – as the name suggests – require someone to co-sign your loan application, acting as a guarantor and agreeing to make repayments if you’re unable to. Generally, guarantor loans are for between £1,000 and £15,000 and […]

A Guide To Being A Loan Guarantor

A guarantor loan is an unsecured loan, generally taken out by someone who has a poor credit rating or no credit history. They need a person with good credit to co-sign their application. This person is known as a guarantor and becomes responsible for payments […]

How To Buy Property Cheaply At Auction

Buying a new home at an auction can be an exciting and thrilling way to purchase your next property. Whether you are buying your next home or a property to develop, buying at auction can be a great way to bag yourself a bargain home. […]

Posted in House & Home | Comments Off on How To Buy Property Cheaply At Auction

Why Do Payday Loans Charge A High APR?

When you are in a difficult financial situation, applying for a payday loan can seem like the only solution. These short-term, high-interest loans are easy to be accepted for and can give you money in your bank account within minutes. They are designed to bridge […]

Posted in Payday Loans | Comments Off on Why Do Payday Loans Charge A High APR?

What Are The Alternatives To Payday Loans?

Payday loans are a popular option for individuals who are in need of a small amount of cash quickly and are often used to help bridge the gap until the next payday, hence the name. They offer a quick and simple solution when a cash […]

Posted in Payday Loans | Comments Off on What Are The Alternatives To Payday Loans?

5 Ideas To Fix A Broken Property Chain

If you are buying a new home, then the chances are the seller of that property is also buying another home to move into themselves. You are probably in the process of selling your home to someone else as well unless you are a first-time […]

Posted in House & Home | Comments Off on 5 Ideas To Fix A Broken Property Chain

How To Complain About A Payday Lender

When you are struggling to find the money to last until your next payday or an emergency arises, and you need some extra funds quickly, it might seem like a good idea to get a payday loan. Payday loans are short-term finance solutions that are […]

Posted in Payday Loans | Comments Off on How To Complain About A Payday Lender

How Your Parents Can Help You Buy A House

Getting onto the property ladder is hard, especially in today’s economy and as a parent, you want nothing more than to ensure a bright future for your offspring. Not everybody can afford to give their children large amounts of money to help them buy their […]

Posted in House & Home | Comments Off on How Your Parents Can Help You Buy A House

How To Buy A Repossessed Property

According to trade association Finance UK, 4,700 homes were repossessed in 2017, approximately 500 a month. This is down almost 50% on the previous year but still means there are plenty of properties out there for buyers looking for a good deal on their next […]

Posted in House & Home | Comments Off on How To Buy A Repossessed Property

How To Buy A House At Auction

For buyers looking for a bargain or investment opportunity, auctions offer the chance for them to pick up a property at a good price without going through the many steps it takes typically to buy a house. It also presents a number of potential pitfalls, […]

Posted in House & Home | Comments Off on How To Buy A House At Auction

How Much Does It Cost To Move House?

Moving house can be ridiculously expensive, with large amounts of money made payable to different companies and individuals for different things. Before you make the decision to move from one house to another, figuring out what you’ll have to pay and to who is one […]

Posted in House & Home | Comments Off on How Much Does It Cost To Move House?

How To Consolidate Credit Card Debts

When you replace several credit card debts with one larger loan, it is called debt consolidation. One way to consolidate your credit card debt is to transfer the balances of all of your existing credit cards to one new one. Some credit card providers offer […]

Posted in Credit Cards, Debt | Comments Off on How To Consolidate Credit Card Debts

A Guide To House Repossession

According to the UK government, there were approximately 500 home repossessions a month in 2018. Repossessions happen when a homeowner with a mortgage can no longer afford their repayments, and the lender takes back ownership of the property. They have a number of stages, each […]

Posted in House & Home | Comments Off on A Guide To House Repossession

A Guide To Buying A Second Home

Ah, the dream – purchasing a second home. You’ve worked hard, and you’ve got the dough to do what so many dream of their entire lives. If you’re considering buying a second home, then you ought to consider a number of different things beforehand, because […]

Posted in House & Home | Comments Off on A Guide To Buying A Second Home

A Guide To Building Your Own Home

More and more people want to build their own homes, approximately 10% in 2017 according to government figures. They’re attracted by the idea of getting to live in a house they’ve designed in a location that suits them. The price, which can be much more […]

Posted in House & Home | Comments Off on A Guide To Building Your Own Home

Which Debts Should You Pay Off First?

Debt happens to the best of us but if you find yourself with several different types of debt then working out what to pay off first can be particularly daunting. Getting rid of your debts through repaying your lenders is hard work and takes a […]

Posted in Debt | Comments Off on Which Debts Should You Pay Off First?

Where Can I Go For Free Debt Advice?

Finding yourself in financial difficulty can be tough, particularly if you’re unsure where to look for help. In almost all cases of debt, the problem itself can be solved. It may take longer for some people, but there is always a way of ensuring that […]

Posted in Debt | Comments Off on Where Can I Go For Free Debt Advice?

A Guide to Sequestration – Scottish Bankruptcy

Finding yourself in a range of financial difficulties is tough, but the last thing you want is complicated jargon thrown in your direction when you’re trying to come up with a solution to your issue. If you’re Scottish and having trouble repaying large debts then […]

Posted in Debt | Comments Off on A Guide to Sequestration – Scottish Bankruptcy

Ways To Consolidate Your Unmanageable Debts

As of September 2018, the average level of debt in the UK was £58,540 per person, approximately 114% of average earnings. It’s probably no wonder, then, that a recent report by the National Audit Office found 8.3 million people were unable to pay their debts […]

Posted in Debt | Comments Off on Ways To Consolidate Your Unmanageable Debts

Minimal Asset Process Explained

Having financial issues and rising debts is difficult for anyone- but especially so for people who are of lower financial means. Keeping on top of things when money is tight is particularly difficult, and the temptation to take out credit to cover basic costs can […]

Posted in Debt | Comments Off on Minimal Asset Process Explained

How To Get Help With Payday Loan Debt

Payday loans are short-term loans generally used by people in need of money before their next payday (hence the name), though longer-term loans are also available. Also known as cash advance loans, they have high interest rates and steep penalties, e.g. for late payments. As […]

Posted in Debt, Payday Loans | Comments Off on How To Get Help With Payday Loan Debt

How To Get Help With Credit Card Debt

The average person in the UK has credit card debts of £7,912, with an average credit card interest rate of 18.3%. If this is you, and you only make minimum payments, it will take 26 years and seven months to pay off your debts. Which […]

Posted in Credit Cards, Debt | Comments Off on How To Get Help With Credit Card Debt

How To Consolidate Catalogue Debts

Catalogues allow you to buy everything from household items to electrical goods to clothing and pay from them monthly by opening a credit account. In a way, it is similar to a credit card as the credit is unsecured and you are charged interest on […]

Posted in Debt | Comments Off on How To Consolidate Catalogue Debts

A Guide to Debt Arrangement Schemes

Financial trouble is a particularly difficult situation to find yourself in and getting out of it can be an endless process unless you approach your debt from the right viewpoint. There are so many different options out there if you find your finances spiralling out […]

Posted in Debt | Comments Off on A Guide to Debt Arrangement Schemes

Are There Legal Ways You Can Write Off Your Debts?

When you’ve debts you can’t pay, you have a number of options. None simply write off your debts, but they do make them more manageable, meaning it’s easier to become debt free. Debt Management Plan (DMP) A Debt Management Plan (DMP) is an informal agreement […]

Posted in Debt | Comments Off on Are There Legal Ways You Can Write Off Your Debts?

A Guide to Negative Equity

When you are in negative equity with your property, it can cause some issues if you want to move to a new house or remortgage. Being in negative equity is a difficult situation that is often difficult to fully understand. If you are in negative […]

Posted in House & Home | Comments Off on A Guide to Negative Equity

What Is A Sale And Rent Back Scheme?

When you are in a situation where you are struggling to pay your mortgage but don’t want to move home, you could consider a sale and rent back scheme to stay in your home. The sale and rent back industry has received a huge amount […]

Posted in House & Home | Comments Off on What Is A Sale And Rent Back Scheme?

How To Buy A House With No Deposit

For most people trying to take their first steps on the property ladder, getting the deposit together is the biggest challenge. Saving enough to put down just a 10% deposit can take years, making the idea of owning a home a distant dream for many. […]

Posted in House & Home | Comments Off on How To Buy A House With No Deposit

Tips When Negotiating The Sale Of Your House

Selling a property is often going to be one of the most significant financial transactions you will make during your lifetime. When it comes to deciding on a final price with your buyer, it can be challenging to negotiate, and the outcome will have a […]

Posted in House & Home | Comments Off on Tips When Negotiating The Sale Of Your House

Selling A House In Probate – Explained

When you are left to sell the estate of someone who has died, it can be a complicated process. The process of selling a probate property has more complications than an ordinary property transaction, and it is not something that many people have to deal […]

Posted in House & Home | Comments Off on Selling A House In Probate – Explained

How To Successfully Downsize Your Home

At some point in your lifetime, the chances are you will have to downsize your home for one reason or another. Whether your children have all flown the nest and you no longer need such a big property, or you’re relocating to a more expensive […]

Posted in House & Home | Comments Off on How To Successfully Downsize Your Home

How To Sell Your House For The Best Price

The housing market is always changing and knowing when the best time is to put your house up for sale can be difficult. Selling your home is a big decision, and whether you are selling because you are relocating, moving to a bigger home, or […]

Posted in House & Home | Comments Off on How To Sell Your House For The Best Price

How To Reduce Your Spending And Get Out Of Debt

There are no debt problems that are not able to be solved. The solutions will not always be simple, and you might not get immediate results, but there is always a way. Prompt action will put you in a better position to repay your debts […]

Posted in Debt, Savings | Comments Off on How To Reduce Your Spending And Get Out Of Debt

How To Buy Your Housing Association Property

Recent government schemes are giving housing association tenants the opportunity to purchase their home and make it their own. If you are living in a housing association property, then you might be able to purchase it under the Right to Acquire government scheme. Similar to […]

Posted in House & Home | Comments Off on How To Buy Your Housing Association Property

How To Buy Your Council House

Many individuals in the UK live in council housing and have done so for many years. In recent years it has become increasingly popular for families in council homes to buy their properties. Not only are they much cheaper to buy than other properties, but […]

Posted in House & Home | Comments Off on How To Buy Your Council House

A Guide To Emigrating And Living Abroad

Deciding to start a new life elsewhere in the world is an exciting yet daunting experience. If you’ve got your heart set on emigrating and living abroad, then it can be difficult to know where to start or what to do first. There is a […]

Posted in Travel Money | Comments Off on A Guide To Emigrating And Living Abroad

Should You Save Or Invest Your Money?

Mastering the financial markets can be difficult, and with many different options of what to do with your money, it can be hard to know what is the best for you. Especially when you consider the best returns or the level of risk you want […]

What Is A Debt Management Plan (DMP) And How Can It Help Me?

Debt Management Plans (DMPs) are informal agreements allowing you to pay off unsecured debts by making one, affordable, monthly payment. They do not reduce the size of your debt, which still needs to be paid off in full. Is A DMP The Same As Debt […]

Posted in Debt | Comments Off on What Is A Debt Management Plan (DMP) And How Can It Help Me?

What Is An IVA And How Can It Help Me?

An Individual Voluntary Arrangement (IVA) allows you to pay off your creditors through monthly payments facilitated by an Insolvency Practitioner. In Scotland, it is known as a Deed of Trust. Unlike declaring bankruptcy, an IVA lets you keep more control of your money and continue […]

Posted in Debt | Comments Off on What Is An IVA And How Can It Help Me?

Debt Relief Orders Explained

A debt relief order (DRO) allows you to freeze your debt for a year, before writing it off entirely if there is no change in your personal circumstances. They are a good option for people on low incomes who owe less than £20,000 and don’t […]

Posted in Debt | Comments Off on Debt Relief Orders Explained

How To Declare Yourself Bankrupt

If you aren’t able to pay off your debts, you can declare yourself bankrupt, a process whereby your debts are written off (allowing you a fresh financial start) as long as you abide by certain conditions. Applying For Bankruptcy Applying for bankruptcy costs £680 and […]

Posted in Debt | Comments Off on How To Declare Yourself Bankrupt

How To Deal With Debt As A Student

The stress caused by debts that you can no longer afford to pay, on top of exam pressure, coursework, dissertations and paying your monthly bills can turn student life into a living nightmare. If you’re finding it difficult to make the payments on credit cards […]

A Guide To Getting Out Of Debt

A debt of any size can cause stress, sleepless nights and strains in relationships. Furthermore, debt can damage credit scores which can impact your financial situation in the future. However, many of us rely on borrowing to make ends meet or to cover costly expenses […]

Posted in Debt | Comments Off on A Guide To Getting Out Of Debt

A Deed Of Trust Explained & How It Can Help You

A deed of trust, also known as a trust deed, is an arrangement that allows you to combine your debts into one monthly payment in order to more easily pay off your debts. They normally last for two to four years, are only available in […]

Posted in Debt | Comments Off on A Deed Of Trust Explained & How It Can Help You

A Guide To Buying A Plot Of Land

Many people dream of buying a plot of land and building their perfect home, but buying land isn’t always straightforward and can come with complications. Purchasing land is often seen as a risky investment, but it allows you to build your ideal home or even […]

Posted in House & Home | Comments Off on A Guide To Buying A Plot Of Land

What To Consider When Buying A Home Abroad

Buying a home abroad is a dream that many Brits have, whether it’s a holiday home for a bit of sun throughout the year or the perfect retirement plan. Whatever your reason for wanting to purchase a property abroad, it is important to properly research […]

Posted in House & Home | Comments Off on What To Consider When Buying A Home Abroad

What Do Leasehold And Freehold Mean?

Knowing if your property is leasehold or freehold might seem like technical legal jargon, but actually, it is one of the most important things that you should know about your own home. It can be the difference between owning your home outright and having a […]

Posted in House & Home | Comments Off on What Do Leasehold And Freehold Mean?

The Home Buying Process Explained

Buying a new home, especially if you are a first-time buyer can be very overwhelming. The home buying process is lengthy, and complications can occur. It is often the biggest purchase of your life, and all the decisions you make during the process of buying […]

Posted in House & Home | Comments Off on The Home Buying Process Explained

Cash House Buyers Explained

During the property buying and selling process, you will probably come across the term cash buyers. More and more people in the UK are selling their homes to cash buyers but understanding what a cash house buyer is and how it differs to a regular […]

Posted in House & Home | Comments Off on Cash House Buyers Explained

Buying Vs Renting – The Pros And Cons

Choosing whether to buy or rent a property can be a difficult decision, and it is a debate that has been ongoing for many years. Buying your own home is often the biggest financial decision you will ever make, so it is vital that you […]

Posted in House & Home | Comments Off on Buying Vs Renting – The Pros And Cons

A Guide To Using An Online Estate Agent

In recent years the property market has changed significantly, and the rise of online estate agents has played a major role in the way homes are now sold and purchased. For those who are accustomed to traditional estate agents, using an online only service can […]

Posted in House & Home | Comments Off on A Guide To Using An Online Estate Agent

A Guide To Using A Letting Agent

If you are thinking about renting out your home or a second property, it can be overwhelming knowing where to start. Letting a property can seem like an easy way to make a bit of money, but there is often a lot more to it […]

Posted in House & Home | Comments Off on A Guide To Using A Letting Agent

A Checklist For Moving Home

Moving into your new home should be an exciting time in your life, but when you are organising final bills, exchanging contracts and frantically packing up boxes it can become very stressful. Forward planning and careful organisation can minimise some of the stresses of moving […]

Posted in House & Home | Comments Off on A Checklist For Moving Home

How To Cut Down On Car And Travel Costs

Being a motorist is expensive, particularly if you’re a car owner and have a regular commute to and from work. When getting rid of your car entirely isn’t an option, looking at ways to cut down your transport costs is the next best step. Luckily, […]

Posted in Savings | Comments Off on How To Cut Down On Car And Travel Costs

Ways You Can Teach Your Children The Value Of Money

Money makes the world go round, which means it’s never too early to start teaching your children how to manage it wisely. In fact, according to Parents magazine, two or three years old is an ideal time to start because your kids love to play […]

Posted in Savings | Comments Off on Ways You Can Teach Your Children The Value Of Money

7 Simple Ways You Can Decrease Your Monthly Outgoings

Despite the government saying austerity is over, many are still feeling the pinch financially. While we’d all probably like to earn a bit more money to help ease the financial squeeze, for most, this isn’t an option. Reducing your monthly outgoings is, however, meaning you […]

Posted in Savings | Comments Off on 7 Simple Ways You Can Decrease Your Monthly Outgoings

How To Save Up For A House Deposit

According to UK Finance, last year the average mortgage for first-time buyers was £145,000, and the average deposit was 15.6%. This equates to a deposit of around £22,000, a pretty daunting figure and one that could put you off if you don’t have any money […]

Posted in Savings | Comments Off on How To Save Up For A House Deposit

How To Save Money On Household Bills

Household bills make up one of the most significant cumulative costs homeowners and renters have to pay each month and finding ways to reduce the monthly costs is a question that’s raised on a regular basis. While it’s easy to say that the best way […]

Posted in Savings | Comments Off on How To Save Money On Household Bills

How To Save Money On Gas And Electric Bills

Energy bills are very expensive, especially during the winter months. However, it doesn’t have to be that way. There are many tricks that you can follow to cut your utility bills and save money on gas and electricity. According to Ofgem, the average household could […]

Posted in Savings | Comments Off on How To Save Money On Gas And Electric Bills

How To Save For Your Wedding

The average wedding now costs over £20,000, but you don’t need to spend a small fortune to have the day of your dreams. Planning your wedding will be much easier if you start saving early. Here are some steps to help you save for your […]

Posted in Savings | Comments Off on How To Save For Your Wedding

How To Save For Christmas Holidays

With Christmas just around the corner, your mind is no doubt turning to how to pay for what is probably the most expensive season of the year. According to the Bank of England, we spend £500 more in December than we do any other month […]

Posted in Savings | Comments Off on How To Save For Christmas Holidays

How To Save For A Holiday

There’s nothing more exciting than planning and booking a holiday. Whether you’re a home bird who loves exploring the wonders that the UK holds, a jet-setter with sun, sea and sand in mind or someone who likes a thrilling city break, knowing that you’re in […]

Posted in Savings | Comments Off on How To Save For A Holiday

A Guide To Successful Saving

According to a survey carried out earlier this year by Skipton Building Society, a quarter of adults in the UK have no savings at all; this includes one in ten people over 55, who have set nothing aside for retirement. Over a third of those […]

Posted in Savings | Comments Off on A Guide To Successful Saving

What To Do If You Can’t Pay Back Your Loan

While loans are there to help you through difficult times, keeping on top of payments is especially important to keeping your credit rating secure and ensuring your financial situation stays in tip-top shape. Finding yourself in a difficult financial situation can be incredibly difficult, especially […]

Posted in Debt, Loans | Comments Off on What To Do If You Can’t Pay Back Your Loan

What Is A Credit Union And How Can I Borrow From Them?

Credit unions are community-based financial institutions that are owned and controlled by their members. Traditionally, they were set up by groups with a common bond, e.g. workers, trade unions or people who all lived in the same area, but this changed in 2012 and now […]

Posted in Loans | Comments Off on What Is A Credit Union And How Can I Borrow From Them?

What Is A Continuous Payment Authority?

Recurring payments – continuous payment authorities – are regular outgoings that leave your financial accounts in the same way that a direct debit would work. While they look like direct debits, they definitely aren’t. Continuous payment authorities (CPA) allow companies and external money providers to […]

Posted in Credit | Comments Off on What Is A Continuous Payment Authority?

What Happens When You Are Made Bankrupt?

Declaring bankruptcy is a way for you to become debt free when you can’t pay your creditors. It’s a big decision, one that can have long-term effects on your daily life and may not be right for everyone. What You Need To Know About Declaring […]

Posted in Credit, Debt | Comments Off on What Happens When You Are Made Bankrupt?

What Does A Mortgage Broker Do?

Mortgage brokers are financial advisors that specialise – as their name suggests – in mortgages. They work with individuals looking for mortgages, carrying out affordability assessments, explaining the application process, and recommending the best deals based on a borrower’s personal circumstances. Different Types Of Mortgage […]

Posted in Mortgages | Comments Off on What Does A Mortgage Broker Do?

What Do APR And APRC Mean?

If you’re thinking of taking out a loan, mortgage or applying for a credit card, you’ll probably encounter the terms APR and APRC. Both relate to the interest you will end up paying, and it’s essential you understand what they mean, why they are used […]

Posted in Credit | Comments Off on What Do APR And APRC Mean?

What Are Doorstep And Home Credit Loans?

Doorstep and home credit loans are one in the same thing, a way of lending money without having to apply to a bank, building society or credit union for a loan. Instead, loans are provided by home credit lenders who visit you at home to […]

Posted in Loans | Comments Off on What Are Doorstep And Home Credit Loans?

Mortgage Market Review (MMR) Explained

After the 2008 credit crunch and the financial crash that followed, the UK government carried out a thorough review of the mortgage market, implementing changes that came into force in 2014. These changes were the result of the conclusion drawn by the government that mortgages […]

Posted in Credit, Mortgages | Comments Off on Mortgage Market Review (MMR) Explained

Loans For Older People – What Are Your Options?

With the life expectancy of people in the UK increasing on a yearly basis, more and more older people are searching for money to help see them through retirement and beyond. Unfortunately, getting a loan as an older person is difficult to do from standard […]

Posted in Loans | Comments Off on Loans For Older People – What Are Your Options?

How To Deal With Creditors

If you’ve fallen behind with your payments, you can directly arrange repayments with creditors. Firstly, you will need to work out an achievable and realistic personal budget. Then you will have an idea of the amount you can pay towards your debts, after paying your […]

Posted in Credit, Debt | Comments Off on How To Deal With Creditors

7 Ways To Fix A Low Credit Score

If you’re planning on applying for a loan, mortgage, or credit card, your credit score will have an impact. It will determine whether you are approved and the interest rate you’ll have to pay. The lower your score, the less likely a lender is to […]

Posted in Credit | Comments Off on 7 Ways To Fix A Low Credit Score

How to Avoid Credit & Debit Card Fraud With Irelands SafeCard.ie & The IPSO

The Irish Payment Services Organisation (IPSO) claims that card fraud is a rapidly growing concern in the UK and Ireland and has serious impacts for all of us – not just on banks and building societies but on retailers and cardholders as well. The SafeCard.ie […]

Posted in Banking, Credit Cards | Comments Off on How to Avoid Credit & Debit Card Fraud With Irelands SafeCard.ie & The IPSO

Invoice Factoring Explained

It is not uncommon for small to medium businesses to experience cash flow problems, especially when they have a number of outstanding invoices waiting to be paid. Large enterprises are notorious for making late payments to smaller companies, and for entrepreneurs and new businesses, it […]

How To Get A Loan After Being Refused Credit

Being turned down for credit can leave you wondering where to turn to next. If you are in a situation where you need to borrow some money, getting refused credit can be very frustrating, and leave you feeling as though you are out of options. […]

Posted in Credit, Loans | Comments Off on How To Get A Loan After Being Refused Credit

What Negatively Affects Your Credit Rating?

Your credit rating is a number that lenders will use to decide how risky you are to lend money to. Whenever you apply for a credit card, loan or another type of finance agreement, the lending company will run a credit check on you before […]

Posted in Credit | Comments Off on What Negatively Affects Your Credit Rating?

8 Easy Ways To Improve Your Credit Rating

Credit ratings are often misunderstood and a mystery to most individuals, and when you have a bad credit rating it can be both stressful and costly. Having a healthy credit score can open up a range of financial options when you do need to obtain […]

Posted in Credit, Credit File | Comments Off on 8 Easy Ways To Improve Your Credit Rating

How To Borrow Money Without A Credit Check?

If you have a poor credit rating and are unable to resolve it quickly, it can feel like you have no options when it comes to borrowing money. It is possible to get some forms of finance without the lender having to run a full […]

Posted in Credit, Loans | Comments Off on How To Borrow Money Without A Credit Check?

Peer To Peer Loans Explained

Getting on top of your finances in an economy such as ours can prove to be a difficult thing and the number of people requiring alternative methods of funding has increased exponentially. Borrowing money in a wide range of different ways has never been easier […]

Posted in Loans | Comments Off on Peer To Peer Loans Explained

What Is The Consumer Credit Act?

Every time a new loan, credit card or finance product is arranged, it is covered by the Consumer Credit Act 1974. The Consumer Credit Act was explicitly designed to give consumers some protection when they take out financial products such as loan agreements and credit […]

Posted in Credit | Comments Off on What Is The Consumer Credit Act?

Student Cash Point

Welcome to Student Cash Point here at Lending Expert. We’ve added more features and a new advanced search facility to open up even more FREE student funding opportunites throughout the UK. Our goal is to grow and expand our funding and sign posting services to […]

An In-depth Guide to Motorbike Finance

When you decide to purchase a new motorbike, the chances are you want to get your hands on your new wheels as quickly as possible. Before you can get your leathers on and hit the road on your new bike, you first need to decide […]

Posted in Vehicle Finance | Comments Off on An In-depth Guide to Motorbike Finance

Refused a mortgage? Don’t worry we can help

If you have been declined a mortgage from your bank or mortgage lender then dont worry as we may still be able to help. Our experts help mortgage applicants who dont fit the ‘standard’ mainstream requirements and who may have been refused a mortgage or […]

Posted in Mortgages | Comments Off on Refused a mortgage? Don’t worry we can help

Lifetime Mortgages Explained [The Expert’s Guide – All You Need To Know]

It is never easy to think about the future in terms of care needs or not being able to live in your home. However, in order to make the right financial decisions to ease the burden on your family, potential future care needs must be […]

Posted in Equity Release, Mortgages | Comments Off on Lifetime Mortgages Explained [The Expert’s Guide – All You Need To Know]

Buy To Let Mortgages For First-Time Landlords [The Expert’s Guide – Read All You Need to Know]

Entering the property market is a big and exciting decision, and every property investor has to start somewhere. Whether you’ve decided you want to become a landlord for some extra cash flow or you want to begin building your own property empire; getting a buy […]

Posted in Mortgages | Comments Off on Buy To Let Mortgages For First-Time Landlords [The Expert’s Guide – Read All You Need to Know]

SIPPS Explained [The Expert’s Guide To Self-Invested Personal Pensions – All You Need To Know]

Saving for retirement can be confusing and overwhelming, and pensions can often be difficult to understand. With such an extensive range of pension types and providers and various rules and regulations in place for both employers and individuals, it is a struggle to know which […]

Posted in Pensions, Uncategorized | Comments Off on SIPPS Explained [The Expert’s Guide To Self-Invested Personal Pensions – All You Need To Know]

How To Get A Mortgage With Bad Credit [The Expert’s Go-to Guide]

Buying a house is probably the single more terrifying (yet exciting) thing you will do in your lifetime, and ensuring that you make the most sensible purchase, with the best possible mortgage to support your purchase is essential. Your mortgage will constitute the most significant […]

Posted in Mortgages | Comments Off on How To Get A Mortgage With Bad Credit [The Expert’s Go-to Guide]

Buy to Let Mortgages With No Rental Income Stress Test Required

We are currently offering 1st & 2nd charge Buy to Let mortgages and secured loans with no rental income stress testing required from the mortgage lender. This buy-to-let mortgage product is an alternative solution for landlords whereby the rental income does not stack up or […]

Posted in Secured loans | Comments Off on Buy to Let Mortgages With No Rental Income Stress Test Required

How To Choose An Annuity [The Expert’s Guide To Making The Right Decision]

When it comes to choosing an annuity, it is vital to shop around to find the best deal. Annuity rates and terms can vary massively, so while accepting the first offer you are given can be an easy option, it will rarely be the best […]

Posted in Pensions | Comments Off on How To Choose An Annuity [The Expert’s Guide To Making The Right Decision]

Debt Consolidation Loans [The 2018 Expert’s Guide to Successfully Consolidating Debt]

Having a range of different debts in various forms and across an array of lenders can be difficult to manage. Even the most organised of individuals can struggle to keep up with repayments on multiple debts and accidentally missing one can have a huge impact […]

Posted in Loans | Comments Off on Debt Consolidation Loans [The 2018 Expert’s Guide to Successfully Consolidating Debt]

100% LTV Second Charge Mortgages [Case Study]

The Problem Clients wanted to borrow a £30,000 loan to complete an extension on their end terrace property. They were 12 months into a 2 year fixed rate with the Halifax and their broker could not find a 100% LTV remortgage, the existing lender coincidentally […]

Posted in Secured loans | Comments Off on 100% LTV Second Charge Mortgages [Case Study]

Saving For Your Children: [The Expert’s Go-to Guide 2018 To Successfully Saving For Your Child’s Future]

In today’s economy, you may be considering putting some money aside for your children so that they can have a great start to their adult journey. There are, however, hundreds of ways that you can save for your children, so we’ve put together this guide […]

Posted in Savings | Comments Off on Saving For Your Children: [The Expert’s Go-to Guide 2018 To Successfully Saving For Your Child’s Future]

Logbook Loans: [The Go-to Guide To Securing A Loan Against Your Car]

Thousands of individuals in the UK struggle to get approved for traditional loans or credit because of low incomes and poor credit history. This can be incredibly frustrating, especially if an emergency or unexpected expense arises. An alternative lending option to traditional loans is a […]

Posted in Logbook Loans | Comments Off on Logbook Loans: [The Go-to Guide To Securing A Loan Against Your Car]

Non-Regulated Semi Commercial Mortgage With Flat Above Takeaway [Case Study]

The Case A directly authorised mortgage broker referred a semi commercial purchase to us, as they were struggling to place with a lender due to the property being a hot food takeaway with a residential flat on the first floor. Client was looking for 70% […]

Posted in Secured loans | Comments Off on Non-Regulated Semi Commercial Mortgage With Flat Above Takeaway [Case Study]

Second Charge Mortgage, No Mortgage History & Previously Declined [Case Study]

A directly authorised mortgage broker approached us with an enquiry where his client had purchased a property just 3 weeks previously. The client wanted to borrow £156,000 to carry out home improvements to the property which would include a new extension, however the client did […]

Posted in Secured loans | Comments Off on Second Charge Mortgage, No Mortgage History & Previously Declined [Case Study]

Buy to Let Mortgage on Unencumbered Property with Historic Adverse Credit [Case Study]

The Case A directly authorised mortgage broker referred a client who was looking to raise £80,000 on a unencumbered BTL property purchased with cash just six weeks previously. The customer also had historic adverse credit including numerous defaults and CCJ’s. The mortgage broker was struggling […]

Posted in Secured loans | Comments Off on Buy to Let Mortgage on Unencumbered Property with Historic Adverse Credit [Case Study]

Business Loan Second Charge Residential Mortgage [Case Study]

Product Details Loan Size: £50,000 Product: Variable Rate: 7.99% LTV: 75% The Case: A directly authorised mortgage broker referred a client who was looking to raise £50,000 to purchase a BTL. Client’s only security was his residential home and to complicate the case further the […]

Posted in Secured loans | Comments Off on Business Loan Second Charge Residential Mortgage [Case Study]

NEST Pensions Explained [The Experts Guide to Workplace Pensions]

Planning and saving for your pension can often feel like a pointless activity, especially when retirement feels like a world away. No matter what age you are, looking to the future and ensuring you have a decent pension lined up to support you in your […]

Posted in Pensions | Comments Off on NEST Pensions Explained [The Experts Guide to Workplace Pensions]

Big plans for your business? Discover mezzanine finance

In the world of business finance, there are straightforward funding options such as business loans, and then there are the more complex ones like mezzanine finance. But you don’t need to be a finance expert to understand the ins and outs. Put simply, mezzanine finance […]

Posted in Business Loans | Comments Off on Big plans for your business? Discover mezzanine finance

How To Get A Mortgage When Self Employed

Owning your own house can provide you with security, long-term financial stability and the opportunity to really make your house a home for you and your family. A few years ago, saving for a mortgage was a challenge but not entirely out of reach for […]

Posted in Mortgages | Comments Off on How To Get A Mortgage When Self Employed

Secured Loans Explained

If you have never had a secured loan then you may be wondering what they are all about. Here we’ll explain what a secured loan is and how they differ from other types of loans on offer. A secured second charge loan A secured loan […]

Posted in Secured loans | Comments Off on Secured Loans Explained

Unsecured vs Secured Loan?

If you have been researching different types of loans in the hope to find out which is more suitable for you then this may help. Listed below are some of the standard features associated with each type of loan. The features of a unsecured (personal […]

Posted in Secured loans | Comments Off on Unsecured vs Secured Loan?