How Does a Buy-to-Let Mortgage Work? Buy-to-let (BTL) mortgages are for landlords who want to buy property to rent it out. There are some important distinctions between the rules around buy-to-let mortgages and regular mortgages, so you need to be clear on what they are if you are considering buying a property in this way. Who is Eligible for a […]
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How Can I Release Equity from My Home? Equity release refers to a range of products that allow you to access the money you have tied up in your home once you have paid off your mortgage. These products are generally available to the over 55s and there are two types of product available. Lifetime Mortgage You take out a new mortgage secured
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Car Finance Explained When you’re buying a new car there are several finance options available to you that can usually be arranged through the car dealer you are buying from. This guide gives you an overview of the different types of finance available and the features of each. Hire Purchase (HP) Hire purchase is a type of secured loan
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How Can I Reduce Credit-Card Charges? If you are paying interest on a credit–card balance, or on multiple cards, there could be ways to reduce the amount that the debt is costing you. This guide will explain the main options you have for paying less interest on credit cards. Pay More Each Month As tempting as it can
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It is estimated that more than 8 million people in the UK are unable to cope with debt. If you’re struggling, there are things you can do to help you feel more in control of the situation and avoid making matters worse. Don’t Bury Your Head Whatever else you do, don’t ignore a debt problem.
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I’ve Come Into Some Money: What Are My Savings Options? If you find yourself with an unexpected windfall it can be a bit of a minefield to navigate the different options for saving and investing and work out which one is right for you. In the guide, we’ll explain the difference between saving and investing,
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Pet Insurance – What Are My Options? Pet insurance works like any other kind of insurance policy and is essentially cover that pays out if you have unexpected costs related to your pet, the most common example being veterinary bills. Why Should I Get Pet Insurance? Anyone who has ever been a pet owner will
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Should I Get a Joint Account with my Partner? A joint account can be a convenient way to manage shared expenses with someone you live with, for example a partner, spouse or housemate. However, it’s important to understand how joint accounts work and the pros and cons before you go ahead. How Does A Joint Account Work?
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In the UK, Council Tax is an annual fee set by and paid to your local council to go towards the cost of running the local services it provides. It is normally paid in ten monthly instalments, but some councils now allow you to split the cost over a 12-month period to make household budgeting
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What’s the Best Way to Budget Money? Managing your personal finances can seem like a daunting prospect, but getting on top of your money and learning how to budget more effectively can have a hugely positive impact on your life. Not only will you feel more in control of your bills, you could save money
