All of us are guilty of not guarding our spending and not saving enough.  We know that saving money matters.  However, it is much easier to control for purchasing physical items than for financial products.  For example, to buy or not buy that big ticket item that you don’t need, or this item is £50 [...]

In today’s hard times, it can be difficult to make ends meet let alone finance that home improvement, replacement vehicle or other emergency expense.
Or maybe you are looking for a debt consolidation loan to pay off all your debts, make your monthly payments smaller, save money and pay off your debts sooner?
Yes it is true, [...]

Many UK homeowners are reading the headlines these days and coming away with a picture that is uglier than reality.  We hear things like “there is no money in the system”, “It is difficult to get loans and mortgages”, “the credit system is tied up” and similar statements.  While these statements may be true for [...]

Before the advent of the Internet and the world wide web, getting a loan was a time consuming process.  The borrower had to kowtow to the high street bank or building society.  The banks were in charge and the borrower had to go to their premises to even enquire about a loan.  Then lets say [...]

Lets start off with what a personal loan is.  It is a loan that is used for personal uses like expenses, renovations, education, vehicles, vacation, paying off credit cards and the like.  Different lenders have different rules on what a personal loan can and can not be used for.  Two things that lenders commonly don’t [...]

Comparing secured loans offers’ can seem like a daunting task in the beginning.  There are so many factors involved to selecting the right secured loan for your needs.  Lets give you a primer and take a look at some of the common elements of a secured loan so you can compare secured loans and get [...]

Here is a list to help you understand what some of the secured loan types are.  The list isn’t exhaustive but it is a good place to start and covers the major loan types.  Lets get started!
Remortgage
A remortgage generally refers to finding a new lender (and new mortgage) to replace your existing first mortgage.
Second Mortgage
Is [...]

There are many reasons that a secured loan is in many cases better than it’s unsecured loan cousin.  In the right situations that is.  One point to highlight is that the amount of the loan can usually be much larger than an unsecured personal loan or credit card loan.  This allows you to have more [...]

Home equity loans, sometimes referred to as HEL, represent a type of loan that allows a borrower to use their home equity as collateral. The most common situations for the use of such loan options include medical bills, house repairs, college education and other situations of emergency when money is needed urgently. With home equity [...]