Archive for the ‘LOANS’ Category

Borrowing Is Getting Easier For Those With Good Credit History

It has taken lenders an interminably long time to ease their restrictions on lending, but at long last, it is getting somewhat easier to get approved for a loan. The best interest rates have dropped from 7.5% to 3.4% in the last two years, which indicates that the banks are feeling the need to compete […]

The Questions of ‘Save and Spend’

It’s ironic, isn’t it? Families are advised to save money. It is important to have an emergency fund and provide properly for retirement. Yet at the same time there has been concern expressed that there is too much saving and therefore the spending required to boost the economy isn’t taking place. Well not at the […]

What To Look Out For When Choosing A Short Term Loan

Short term loans can serve a genuine and viable purpose, as long as you are sensible with how you use them and ensure that you repay them on time. For students, a short term loan can be used to bridge the financial gap until your next student grant check or student loan check is paid, […]

Lending Markets Respond to Diverse Influences

Lending markets are influenced by a number of factors, so it can be difficult to isolate the precise individual elements driving credit trends. But the stakes are high, so analysts and economists are quick to interpret financial data in hopes of predicting future market outcomes. Unfortunately, market volatility steps in to negate even the most […]

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In Financial Trouble? Read This Great Advice!

Personal finances are about much more than dollars and sense. Indeed, basic logic and reason play large roles. Managing your finances the right way is a behavior that is learned and most individuals learn the tough way. Give these tips the benefit of your time and look for ways to make favorable changes to your […]

How to Use Your Pension to Reduce Your Tax Bill

How to Use Your Pension to Reduce Your Tax Bill Incredibly there are now more than 4 million people in the UK who qualify to pay the higher rate of tax (at a not-to-be-scoffed-at 40%). But what many of those higher rate taxpayers do not realise is that they could possibly avoid being caught by […]

A Quick Guide to Bridging Finance for the UK Property Market

Bridging loans (and bridging finance) is a subject that has garnered an increasing amount of media attention over the last couple of years.  The reason for this raising of awareness in the industry comes from a reluctance from mainstream lenders to approve large short-term loans for home owners and property investors. Bridging finance offers quick […]

Tidying up the payday loan sector

There has been a huge amount of scrutiny aimed at the payday loan sector in recent months. This is partly due to the rapid rise in popularity of these short term cash advances that have made their way to the UK from the US over the last decade. With the current economic climate, many households […]

Increased lending to business is “false dawn” for SMEs

June 2014 was a hopeful month for UK SMEs dreaming of a release on the banks’ current stranglehold on lending to business. When the Bank of England released a report which indicated a long hoped-for increase in lending to businesses, it looked like UK SMEs may finally start to enjoy more accessible finance from high […]

Talking Loans for Young People

If you are a newly graduated ex-student having just entered the workforce, it can be impossible to afford everything you need and want without borrowing.  Unfortunately, given the lack of credit history and earning capacity, credit options for young people are often limited.  So what alternatives are available and which one should you pick? Why […]

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