May 2009 - Product Reviews

New Mortgages - First Time Buyer Mortgage Deals on the Increase

First Time Buyer Mortgage Deals on the Increase Introduction The housing market in the U.K. first started to show signs of decline in 2007 and in response, mortgage lenders tightened their lending criteria, so that competitive mortgage deals became more difficult to come by, especially for ... More

Remortgage - What has the Budget Done for You?

What has the Budget Done for You? Introduction The United Kingdom formally entered recession in December 2008, and recession is being experienced by all the major economies in the world – the Eurozone, USA and Japan included – and the global economy is set to contract by 1¼% in 2009, the ... More

New Mortgages - Ideal Time to Buy into the Property Market?

Ideal Time to Buy into the Property Market? Introduction The United Kingdom officially joined other major economies – the Eurozone, U.S.A. Japan, etc. – in recession in the final quarter of 2008. House prices are continuing to fall by a further 1.7% in April 2009, and unemployment is ... More

Debt Consolidation - Manage Your Finances and Get Out of Debt

Manage Your Finances and Get Out of Debt Introduction There was a time when there was a significant social stigma attached to debt, and even more so to financial failure and bankruptcy. This is no longer the case however, particularly with Britain in the grip of the worst recession since ... More

Reclaim Charges - Payment Protection Insurance: All You Need to Know

Payment Protection Insurance: All You Need to Know Introduction Payment Protection Insurance, often abbreviated to "PPI", is insurance cover that, in theory, at least, protects you against accident, illness, redundancy or any other unforeseen circumstance that renders you incapable of ... More

Reclaim Charges - Wipe Out Your Existing Credit Agreement

Wipe Out Your Existing Credit Agreement Debt is rising in the UK at an unstoppable rate and the recession is simply exacerbating the problem. Many people have tried to make ends meet by putting large expenses onto their credit cards but this of course means they will pay hefty interest fees ... More

Remortgage - House Prices On The Increase

House Prices On The Increase The UK housing market has been through the deepest and most sudden slump in living memory. Every day brings a new survey, a new poll, new data, all seeming to indicate that house prices remain on the floor and indeed falling still. But are there any grounds for ... More

Unsecured Loans - Stocks And Shares - Buy Or Sell

Stocks And Shares - Buy Or Sell Over the past year the stock market has fallen by 25% from its peak and plumbed new lows before recovering a little and in recent weeks the prices have risen by almost 30% from its lows of early 2009. Is this the time to buy our sell shares? We all know stock ... More

Debt Consolidation - Debt Management - is It Right For You?

Debt Management - is It Right For You? A debt management plan is an informal arrangement that you and your creditors have agreed that will enable you to repay your debts with regular repayments you can afford. There is no stigma attached to it, it does not have as big an effect on your credit ... More

Homeowner Loans - Industry Boom Forecast After Recession

Industry Boom Forecast After Recession As the UK economy continues to contract and shrink, with some forecasts predicting that the economy will shrink by 3.5% in the coming year, and with the fabled green shoots of recovery continuing to prove illusory, it might be premature to start to ... More

Unsecured Loans - Crunch Time For The UK

Crunch Time For The UK The banks might have been saved but as the UK economy heads ever deeper into recession and as unemployment rises and consumer and business confidence falls, many are now asking is the worst over or is it now crunch time for the UK economy and the UK consumer? The ... More

Homeowner Loans - Is Britain Going Back To Its Roots - Seeds Are Worth More Than Gold

Is Britain Going Back To Its Roots - Seeds Are Worth More Than Gold It is a little known fact that in a time of recession lipstick sales boom. It is true. In Britain at the moment unemployment might be fast rising, economic growth continues to shrink at an accelerating rate and consumer ... More

Unsecured Loans - UK Job Losses Worst In Europe

UK Job Losses Worst In Europe The UK suffered the highest job losses in Europe during the first quarter of 2009 according to a European Restructuring Monitor published by Eurofound. Job cuts in the UK totalled 63,314 – by far the worst of any single country. Next worst was Poland with 38,975, ... More

Debt Consolidation - IVA - The Facts

IVA - The Facts Debt management takes on a new dimension in tough economic environments. Lenders typically harden their stance and the opportunities to earn more, either through additional hours worked or second incomes, can be limited. Losing part or all of one household income can have a ... More

Reclaim Charges - Ever Had Credit? Check Your Agreements - They Could Be Worth Pounds To You

Ever Had Credit? Check Your Agreements - They Could Be Worth Pounds To You Legislation introduced in 2006 has made it possible for all existing credit agreements to be reviewed to ensure that they are fair and reasonable. If deemed not to be fair, then it could be possible to have the debt ... More

Reclaim Charges - Bank Charge Reclamation

Bank Charge Reclamation - The Latest News The reclaiming of bank charges has continued to make headlines, and in late February 2009 the Court of Appeal caused a setback to high street banks by confirming the decision of the High Court that the charges they levy are in fact subject to fairness ... More

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