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 [...]