Money & Finance
There's lots of independent information and advice on the web to help you make the right decisions to give your money a lift. Whether you're looking to borrow or save, it pays to shop around to get the best deal.
Below are a few handy sites which may be helpful.
Spending on plastic has risen dramatically in the past few years as credit cards have become a useful and convenient way to pay for goods and services. However it's important to make sure you're not paying excessive interest charges or missing out on a better deal. Visit creditsearcher.co.uk for a simple, clear and straightforward summary of the best credit card deals, locate low interest credit cards, see who offers the longest interest free introductory deals, highest cashback or most attractive loyalty or reward scheme.
Whether you're a first time buyer, moving house or remortgaging, finding the best mortgages can be time consuming and confusing. It certainly pays to shop around for the best mortgage deals as there is so much choice with over 3,000 different products from over 50 different lenders.
If you've been turned down by a high street lender because you failed a credit check, your best bet is to approach a specialist mortgage broker. There are a handful of mortgage lenders who offer mortgages for bad credit, but these products are only available via intermediaries. A broker will assess your situation and direct you towards lenders more likely to accept your application.
According to goverment figures, more people are self employed than ever before. However, being self employed can make it difficult to get a mortgage because high street lenders regard the self employed as a greater risk. Fortunately a small number of specialist lenders cater to this market and offer self employed mortgages.You will require the services of a mortgage broker to access these lenders.
Whether you want a loan to consolidate outstanding debts, to buy a new car, go on holiday, or are planning to get married, make sure you get the best rates for unsecured personal loans. Interest rates on personal loans have fallen considerably in recent years with the market leading products around 5% APR.
If you are a council, housing association, Ministry of Defence or a private tenant visit A1 Tenant Loans for details of companies who can provide you with finance.
If you suffer with a less than perfect credit rating, then your chances of getting a loan from a mainstream lender are seriously reduced. However, there are a number of specialist brokers and lenders who offer loans for bad credit, although the catch with these products is the interest rate charged is considerably higher when compared with mainstream loans.