Topic filter : Borrower

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.... However, the truth is that refugees around the world lead complex and diverse economic lives. They are consumers, producers, buyers, sellers, borrowers, lenders and entrepreneurs. ... [Read full article on Guardian ]
Wednesday 22nd of March 2017 06:00:27 AM
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....“Lenders have slashed their rates to the extent that there is not much room for manoeuvre, so one of the other ways of attracting business is to offer incentives. As with any mortgage, borrowers should not be swayed by ‘freebies’, and must work out the cost of this benefit so they don’t end up paying for it in the long run. ... [Read full article on Guardian ]
Saturday 18th of March 2017 07:00:32 AM
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....uk. For example, the average rate for borrowers with a 25 per cent deposit is 2. ... [Read full article on Daily Express ]
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Latest Finance News related to Borrower

New Nationwide deal for parents to raise cash from their home to help their children image
....Nationwide said that family members who could be helped include a spouse, civil partner, parent, brother, sister, child, step child, grandparent, grandchild or someone whose relationship with the applicant has "the characteristics of a family relationship". Those who are living off a retirement income can also use the Family Deposit Mortgage to raise deposit funds but, as with other borrowers, they will need to pass Nationwide's lending criteria. ...
REVEALED: The trick to pay LESS for your mortgage each month image
Source : Daily Express [Read Article] Saturday 18th of March 2017 09:01:00 AM
....uk. For example, the average rate for borrowers with a 25 per cent deposit is 2. ...
Are these cashback deals  a carrot… or a costly stick? image
Source : Guardian [Read Article] Saturday 18th of March 2017 07:00:32 AM
....“Lenders have slashed their rates to the extent that there is not much room for manoeuvre, so one of the other ways of attracting business is to offer incentives. As with any mortgage, borrowers should not be swayed by ‘freebies’, and must work out the cost of this benefit so they don’t end up paying for it in the long run. ...
MORTGAGE RATE WAR: New 0.99 per cent deal gives boost to home buyers as market shakes up image
....It is the first time the provider has offered a rate below one per cent and is currently the only such deal on the market. However, the mortgage comes with a relatively high fee of £1,495, highlighting the importance for borrowers to calculate overall cost of a loan including repayment costs and added fees. ...
US Federal Reserve raises interest rates to 1% in bid to hold off inflation image
....“Trump’s grand plans for American infrastructure spending have signalled an about-turn for US economic policy – after just one rate increase in ten years, we’ve now seen two in the space of three months, and plenty more are expected for 2017. “This all spells bad news for US borrowers, who will likely have to foot a larger bill over the coming months. ...
Interest-only mortgage deals: Bank to help 100,000s borrowers with new change image
Source : Daily Express [Read Article] Wednesday 15th of March 2017 02:15:00 PM
....Over 55s left with outstanding balances on interest-only deals when a deal ends, often turn to equity release or in the worst case sell family homes to pay off debts. However, Shawbrook's ’55 Plus Interest-Only Mortgage will consider borrowers who are up to 75 when they take out a deal and up to 85 by the end of the mortgage term. ...
Labour must learn to win if it wants to shape the UK's economic future image
.... A one-term deficit reduction plan has now become a 15-year slog. Third, when the economy subsequently slowed in 2011 and 2012, the response from George Osborne was to warm up the housing market by providing banks with incentives to lend and borrowers with incentives to buy. ...
Landlord tax: How to beat new buy-to-let charges coming in NEXT month  image
Source : Daily Express [Read Article] Friday 10th of March 2017 04:44:00 PM
.... As well as generating top returns of around five per cent, this method also allows investors aren't faced with the prospect of difficult tenants or changes to property tax. The main issue to consider is whether borrowers - typically landlords and developers - can repay their loans and, if they don't, whether the platform can reimburse investors. ...
Savers are getting worse return than ever while risk takers are benefiting image
Source : Daily Express [Read Article] Wednesday 8th of March 2017 12:01:00 AM
....Peer-to-peer (P2P) platforms take money from savers and loan it to people and small businesses. The aim is to bypass banks and building societies giving savers and borrowers a better rate. ...
Bank of England makes obscure tweak to mortgage rules... now you can get a BIGGER mortgage image
....5 times income more than that. "Because many mortgage offers are valid for up to six months but lenders don't know how quickly borrowers will complete, each lender has up to now had to assume that a higher than statistically likely proportion of offers in excess of 4. ...
Payday loans complaints rise 22% despite FCA clampdown image
Source : Guardian [Read Article] Tuesday 28th of February 2017 06:01:20 AM
. Complaints to the financial ombudsman about payday loans have risen to almost 200 a week – and not all of those experiencing problems necessarily fit the image of low-income borrowers relying on short-term loans to get by. ...
One in four UK families have less than £95 in savings, report finds image
Source : Guardian [Read Article] Monday 20th of February 2017 07:01:30 AM
.... Home ownership rose among high-income families to 90% from 88%. Aviva said declining rates of home ownership could be a sign of difficulties getting a mortgage for first-time buyers or families not considered “prime” borrowers. ...
Savers need a balancing act to beat inflation image
Source : Guardian [Read Article] Monday 20th of February 2017 07:00:31 AM
....Laith Khalaf of advisers Hargreaves Lansdown says yields of 5% are available, but there is a risk to your capital. “The big risk is that borrowers don’t pay back their loans, and while these delinquency rates are low at the moment, so are interest rates and unemployment, which helps make debt more affordable. ...
How to cut FIVE months off your mortgage repayments with one simple move image
Source : Daily Express [Read Article] Sunday 19th of February 2017 04:02:00 PM
....". He added: "For one, borrowers are insulated from the rate rises that they might otherwise be exposed to when their short term deals end. ...
Tackle your debts while interest rates are at lowest image
Source : Daily Express [Read Article] Sunday 19th of February 2017 11:59:00 AM
.... . Hollingworth says you should also consider taking advantage of today’s record low mortgage rates to switch to a cheaper deal, even if you have retired: “Lenders are tighter in their approach to older borrowers but can offer mortgages where you can prove the loan will be affordable. ...
Co-op Bank is up for sale – is it time to leave? image
Source : Guardian [Read Article] Saturday 18th of February 2017 07:00:33 AM
.... But we don’t yet know the full details about its current account, and Triodos has no high street branches. It says it will only lend to organisations “who put people and the planet before profits,” and publishes details of all its borrowers. ...
A new Isa is offering tax-free returns of 12% – so what’s the catch? image
Source : Guardian [Read Article] Saturday 18th of February 2017 07:00:33 AM
.... However, some experts are predicting that this is the year that a new tax-free account for peer-to-peer lending and crowdfunding will shake up the savings market and bring some much-needed better news on returns. Peer-to-peer websites match borrowers (individuals or companies) with investors or lenders. ...
Deutsche Bank examined Trump's account for Russia links image
Source : Guardian [Read Article] Thursday 16th of February 2017 12:31:00 PM
.... Asked whether this was normal practice, one former Deutsche Bank employee, who worked for the bank in New York, said: “Are you kidding me?”. Another former CEO of a rival investment bank, speaking on condition of anonymity, said: “The idea that a bank would walk away from an enforcement lawsuit on a defaulted loan with a litigious borrower because they hired a banking team is preposterous. ...
Steven Mnuchin, former Goldman Sachs exec, confirmed as treasury secretary image
Source : Guardian [Read Article] Tuesday 14th of February 2017 12:50:03 AM
.... He said he had worked hard during the financial crisis to assist homeowners with refinancing so that they could remain in their homes. He told the committee that his bank had extended more than 100,000 loan modifications to borrowers. ...
New mortgage helps buyers meet Stamp Duty costs  image
Source : Daily Express [Read Article] Tuesday 14th of February 2017 12:01:00 AM
.... . Barclays will give the cashback directly to borrowers, so it is up to them whether they want to use it to cover their stamp duty costs or something else, such as paying for furniture for their new home. ...
Sub-prime cars: are car loans driving us towards the next financial crash? image
Source : Guardian [Read Article] Friday 10th of February 2017 03:29:36 PM
....1tn in car-loan debt compares with more than $14tn in home mortgages. Dally said lending in Britain had been highly disciplined, with little evidence of loans to sub-prime borrowers, and that the UK was “absolutely a world leader in the quality of underwriting and minimising risk”. ...
Home repossessions at lowest level since 1982, figures show image
Source : Daily Express [Read Article] Thursday 9th of February 2017 12:00:00 AM
....Repossessions have been generally declining since reaching a recent peak of 48,900 cases in 2009. Ultra-low mortgage rates have been keeping borrowers' mortgage payments relatively affordable. ...
Lloyds must compensate the victims of the £245m HBOS scam – fast | Nils Pratley image
....It is true, of course, that Lloyds was a victim: the fraud ran to £245m, the court was told, and it took place before it bought HBOS in 2007. But the bank was not a victim in the same sense as the HBOS borrowers. ...
Trump's bonfire of banking rules could burn us all | Nils Pratley image
Source : Guardian [Read Article] Monday 6th of February 2017 07:14:50 PM
.... “I have so many people, friends of mine, who have nice businesses who can’t borrow money,” said Trump when he signed an executive order last week. There is little evidence that banks are refusing to lend to creditworthy borrowers in the US. ...
Universities minister announces sale of student loan book image
Source : Guardian [Read Article] Monday 6th of February 2017 03:28:59 PM
....The government has begun its controversial sale of the student loan book, which it expects to recoup £12bn in the long run for the exchequer, and assured graduates that they will not have to pay more. The universities minister, Jo Johnson, said the move would have “no impact” on student borrowers paying off loans, as terms and conditions would remain the same after the sale was completed. ...
Mortgage affordability unchanged despite rising house prices, report finds image
Source : Daily Express [Read Article] Friday 3rd of February 2017 12:00:00 AM
. Halifax calculated that new borrowers could expect to spend 30 per cent of their take-home pay on their mortgage in the final quarter of 2016 - unchanged from the percentage a year earlier in the last three months of 2015. ...
After the Italian job, BT boss must make sure success doesn’t blow up in his face image
....Co-operative Bank – once owned by the mutual grocer and funeral homes operator Co-operative Group – put out an announcement on Thursday to say its capital position was going to slump below 10% and that it would fail to meet the individual regulatory plan it had agreed with the Bank of England until 2020. In reality this makes no difference to its savers and borrowers, but it is another illustration of how long it can take to make repairs to a bank that has run into trouble. ...
Is equity release a good way to pay off your home loan? image
Source : Guardian [Read Article] Saturday 28th of January 2017 07:00:48 AM
....The Financial Conduct Authority has previously warned that many of those with maturing interest-only mortgages may not have enough money to pay what they owe. With this type of home loan, the borrower agrees to pay off the interest each month but makes no capital repayments. ...
Halifax is chasing a debt on a house my wife left 20 years ago image
Source : Guardian [Read Article] Wednesday 25th of January 2017 07:00:31 AM
....When I point this out, it performs a startling U-turn. It insists the repayment mortgage was signed by both borrowers, but suddenly decides it will exonerate your wife from the debt without admitting liability. ...
Your money: Hidden costs behind your financial products image
Source : Daily Express [Read Article] Sunday 22nd of January 2017 12:01:00 AM
....”. CREDIT CARDS Credit card borrowers can take advantage of some great interest-free deals, with Halifax and MBNA leading the pack by charging zero per cent on balance transfers for the first 43 months. ...
Can credit unions finally provide a truly ethical current account? image
Source : Guardian [Read Article] Saturday 21st of January 2017 06:59:28 AM
.... The Bristol-based bank, which has no high street branches, currently lends to businesses and offers personal savings products, but is launching the account “later in 2017”. Triodos will only lend to organisations “who put people and the planet before profits,” and publishes details of all its borrowers. ...
JP Morgan Chase to pay $55m to settle racial discrimination charges image
Source : Guardian [Read Article] Wednesday 18th of January 2017 04:50:34 PM
....The decision came after US attorney Preet Bharara filed a complaint on Wednesday alleging that the US’s biggest bank discriminated against at least 53,000 African American and Hispanic mortgage seekers between 2006 and 2009 in violation of the Fair Housing Act. Minority borrowers were owed “tens of millions of dollars in damages”, the government said, because JP Morgan allowed them to be charged higher rates and fees than “similarly situated white borrowers”. ...
Libor scandal: the bankers who fixed the world’s most important number | Liam Vaughan and Gavin Finch image
.... It began: “One of the most important barometers of the world’s financial health could be sending false signals. In a development that has implications for borrowers everywhere, from Russian oil producers to homeowners in Detroit, bankers and traders are expressing concerns that the London interbank offered rate, known as Libor, is becoming unreliable. ...
Sharp rise in first-time buyers taking mortgages lasting at least 30 years image
.... The Halifax offers mortgage terms of up to 40 years and said that with a repayment mortgage, the longer the term, the lower the monthly payment. However, it warns potential borrowers: “It will take you longer to pay off the loan, so you will pay more interest. ...
Take the long view with a 10-year fixed-rate mortgage image
Source : Guardian [Read Article] Thursday 12th of January 2017 07:00:21 AM
....19%. Broker firm John Charcol reckons 10-year lock-ins make sense for more mature borrowers looking to remortgage, but come with too many early repayment penalties to suit first-time buyers. ...
'It's a financial cliff edge': how Britain fell back in love with credit cards image
....While on the surface it looks like great news for consumers that they can borrow for free for so long, the industry cynically relies on a portion of its customers failing to keep up with minimum repayments. One missed repayment on a balance-transfer deal can force a borrower on to the standard interest rate, which is typically 18-20%. ...
UK house price average surges by £4,000 in December image
Source : Guardian [Read Article] Monday 9th of January 2017 11:20:19 AM
.... Increasing economic uncertainty is also likely to weigh down on consumer confidence and willingness to engage in major transactions such as buying a house. Housing market activity and prices are also likely to be pressurised by stretched house prices to earnings ratios and tight checking of prospective mortgage borrowers by lenders. ...
No one can afford to stop the new consumer credit crisis image
Source : Guardian [Read Article] Sunday 8th of January 2017 07:05:11 AM
.... The OBR’s latest analysis predicts that, over the next five years, the combination of consumer and mortgage debt will rise only gradually and fall well short of its pre-crisis peak. There is nothing wrong with judging household debt as a proportion of annual national income to gauge sustainability and the likelihood that borrowers can afford to pay it back. ...
UK household debt now a record £13,000, says TUC image
Source : BBC [Read Article] Sunday 8th of January 2017 12:28:50 AM
....But others believe many households could run into financial difficulties this year. "The majority of borrowers will currently be able to cope with this extra debt," said Joanna Elson, chief executive of the Money Advice Trust. ...
Household debt rises to post-credit crunch high image
Source : BBC [Read Article] Wednesday 4th of January 2017 11:26:03 AM
....Step Change says lenders, regulators and the government need to ensure that the mistakes made in the lead-up to the financial crisis are not repeated, and is calling for better policies to protect those who fall into financial difficulty. The "breathing space" scheme would give problem debtors statutory protection from the interest, penalty charges and enforcement actions that banks and credit card firms tend to ramp up when borrowers get into difficulty. ...
Payday loans are capped. Now let’s tackle other high-cost credit | Gillian Guy image
....It’s not so long ago that newspapers were awash with horror stories of how payday loans were pushing people into dangerous cycles of debt and fuelling a raft of social problems. By helping thousands of people with payday loan problems, Citizens Advice saw at first hand the devastation caused by extortionate interest rates and the harassment waged on borrowers. ...
Help to Buy loan guarantee scheme comes to an end image
Source : BBC [Read Article] Friday 30th of December 2016 02:23:19 AM
.... . Under the programme, borrowers were able to get a mortgage with just a 5% deposit. ...
Barclays refuses to settle with US DoJ over 'craptacular loans' image
Source : Guardian [Read Article] Friday 23rd of December 2016 05:37:13 PM
....The DoJ’s legal filing outlines an array of colourful descriptions of the types of mortgages that it alleges were used by Barclays to package up in bonds – known as residential mortgage bond securities – which could be sold on to investors. It accuses Barclays of selling investors RMBS “backed by loans it knew were made to borrowers who were not creditworthy and which were supported by house appraisals it knew were inflated”. ...
Deutsche Bank and Credit Suisse agree multibillion-dollar settlements with US image
....The scandal dates back to 2005 and 2007, when banks packaged up home loans and used them to help create bonds - known as residential mortgage backed securities (RMBS) - which were sold on to investors. The mortgage repayments made by borrowers then provided a yield to the investor - so long as the borrower kept paying. ...
Deutsche Bank agrees $7.2bn penalty with US regulators image
Source : BBC [Read Article] Friday 23rd of December 2016 03:48:53 AM
....The sale of residential mortgage-backed securities played a significant role in the 2008 financial crisis. Several banks in the US have been subject to investigations over allegations of giving mortgages to unqualified borrowers, then repackaging those loans as safe investments and selling the risk on to others. ...
MPs to review Bank of England's low interest rates since crash image
Source : Guardian [Read Article] Thursday 22nd of December 2016 12:20:36 PM
....5% and added another £60bn to its quantitative easing programme. Threadneedle Street has come under fire from pensioner groups and savers who argue that it has favoured borrowers over savers by keeping interest rates low. ...
Mortgage data points to slowdown in UK housing market in October image
Source : Guardian [Read Article] Wednesday 14th of December 2016 01:43:57 PM
....25% after the vote for Brexit. The CML said the amount borrowers were paying as a percentage of their household income to service repayments fell to a record low for both first-time buyers and home movers at 17. ...
New crowdfunding platforms following peer-to-peer lending are riskier than many realise image
....But be warned, you do not get this protection with P2P, which means your money is in much greater danger. Zopa and RateSetter reduce the risk by spreading your money out between scores of carefully vetted borrowers and building their own multimillion pound contingency funds to reimburse potential losses. ...
Take charge of your mortgage: 3 out of 5 mortgage borrowers have no idea how much they owe image
. Three out of five mortgage borrowers have no idea how much they owe on their loan, while one in three is sitting on their lender’s standard variable rate (SVR) paying 4. ...
How a healthy buy-to-let profit could soon become a painful loss image
Source : Guardian [Read Article] Saturday 10th of December 2016 07:00:07 AM
.... Many of those who find themselves in this situation would probably have to abandon their plans because they wouldn’t be able to find the extra cash for a much bigger deposit, or whack up the rent by enough to bridge the gap. The clampdown on affordability, which is separate to the tax increases on buy-to-let properties, is designed to ensure that borrowers could cope in the event of a chunky rise in interest rates. ...
Buy to let: ‘We landlords are being vilified’ image
Source : Guardian [Read Article] Saturday 10th of December 2016 06:59:07 AM
....But the tax change is just one of three blows to landlords: since April, anyone buying a home that is not their main residence has had to pay a 3% stamp duty surcharge – for a £200,000 buy to let in England and Wales it meant the tax jumped from £1,500 to £7,500. And from 1 January, tough new affordability criteria imposed by the Bank of England means borrowers will be limited to smaller loans (see overleaf). ...
City regulator to crack down on crowdfunding image
Source : Guardian [Read Article] Friday 9th of December 2016 08:53:42 AM
Is this the END of ultra cheap mortgages? Price hike fears as HSBC pulls record-low deal image
....co. uk, said: "Over the past year borrowers have been treated to some of the lowest mortgage rates on record. ...
HSBC raises mortgage rates and pulls 'cheapest-ever' fix image
Source : Guardian [Read Article] Tuesday 6th of December 2016 01:35:57 PM
....Hollingworth said: “The 0. 99% fixed-rate has been something of a poster boy for the record low rates that borrowers have been enjoying. ...
Thousands of UK restaurants could go bust, accountancy firm warns image
Source : Guardian [Read Article] Monday 5th of December 2016 12:01:09 AM
.... More people than ever are renting as they cannot afford to buy a home. Almost half of borrowers (48%) have a credit card which is not cleared in full each month, compared with 39% a year ago. ...
Smart money? image
Source : BBC [Read Article] Friday 2nd of December 2016 12:23:08 AM
...."This enables us to create an interest rate that is lower than that of the Federal Government Grad Plus loan (6. 31%) and more representative of the borrower's risk and potential. ...
House price growth lowest for 10 months, says Nationwide image
Source : Guardian [Read Article] Thursday 1st of December 2016 07:55:26 AM
....”. Gardner pointed to data from the Council of Mortgage Lenders showing the popularity of fixed mortgage rates as borrowers lock into ultra-low-rate deals. ...
With its deal on barrel quotas, Opec is back on the radar – for now image
Source : Guardian [Read Article] Wednesday 30th of November 2016 07:27:03 PM
....It could hardly be otherwise when you consider the statistics in the Bank of England’s annual financial stability report. Banks located in the UK are involved in over half the debt and equity issuance by non-UK borrowers in the European Union. ...
Steve who? image
Source : BBC [Read Article] Wednesday 30th of November 2016 01:23:09 PM
....Mr Mnuchin returned to banking during the financial crisis, gathering a group of investors including hedge fund bigwigs George Soros and John Paulson, private equity investor Christopher Flowers and computer mogul Michael Dell to buy failed mortgage lender IndyMac. The bank, renamed OneWest Bank, returned to financial health but it became known for quickly seizing the homes of borrowers who fell behind on their mortgage payments. ...
Regulator targets high-cost credit deals on consumer goods, loans and overdrafts image
.... High-cost, short-term credit loans are capped at 0. 8% of the amount borrowed per day, and for borrowers who do not repay their loans on time, default charges must not exceed £15. ...
China's property frenzy and surging debt raises red flag for economy image
Source : Guardian [Read Article] Sunday 27th of November 2016 06:52:01 AM
....Chinese household debt has risen at an “alarming” pace as property values have soared, analysts have said, raising the risk that a real estate downturn could wreak havoc on the world’s second largest economy. Loose credit and changing habits have rapidly transformed the country’s famously loan-averse consumers into enthusiastic borrowers. ...
Consumer credit sees fastest growth in 10 years image
Source : Guardian [Read Article] Thursday 24th of November 2016 11:50:14 AM
....Rebecca Harding, chief economist at the BBA, said: “Consumer credit is now growing at its fastest rate since November 2006, reflecting strong retail sales growth. Consumer confidence remains robust as borrowers take advantage of record low interest rates. ...
Credit score 'catch-22 pushes millennials towards payday loans' image
Source : Guardian [Read Article] Sunday 20th of November 2016 04:47:44 PM
....Borrowers born after 1982 are typically paying a higher rate on loans and credit cards than those born earlier, according to analysis of more than 150,000 credit files. The study, undertaken by the charity Toynbee Hall and the employee loan firm SalaryFinance and shared with the Guardian, found that younger borrowers were twice as likely to have taken out high-cost payday loans than those from the baby-boomer generation, and on average had used them twice as often. ...
Fix your mortgage rate now if you’re worried about Trump and Brexit image
Source : Guardian [Read Article] Saturday 19th of November 2016 07:00:02 AM
....uk. But Trump’s win looks set to trigger price rises for some UK borrowers, with mortgage broker John Charcol predicting that longer-term fixed-rate deals will be the first to be withdrawn or repriced upwards. ...
The Big Short: is the next financial crisis on its way? image
Source : Guardian [Read Article] Saturday 19th of November 2016 07:00:01 AM
....Why Italy? Because, he says, the banks there are stuffed with “non-performing loans” (NPLs). That’s jargon for loans handed out to companies and households where the borrower has fallen behind with repayments, or is barely paying at all. ...
Buy-to-let lending falls as tougher rules bite image
Source : Guardian [Read Article] Friday 18th of November 2016 12:43:50 PM
....“The buy-to-let sector is going through a period of substantial change resulting from new rules on landlord taxation [and] guidance on underwriting and affordability standards,” said Nationwide chief executive Joe Garner. Nationwide told buy-to-let borrowers in April that they could only borrow up to 75% of a property’s value, down from 80%, and that the rental income had to be at least 145% of the monthly mortgage repayment, up from 125%. ...
Nationwide profits hit by low interest rate environment image
Source : BBC [Read Article] Friday 18th of November 2016 08:26:19 AM
....The mutual organisation also said its current account had attracted record numbers, with 377,000 people opening an account in the period, a jump of 36%. Banks and building societies find it harder to make money in times of low interest rates as the difference between rates paid to savers and paid by borrowers narrows, giving less room for institutions to take a profit. ...
Metro Bank says mortgage customers can rent out homes on Airbnb image
Source : Guardian [Read Article] Thursday 17th of November 2016 02:50:41 PM
. A mortgage lender has added a clause to its home loans that allows borrowers to let out their property through Airbnb without asking its permission. ...
Where to buy the must-have Xmas toys, plus the power to reduce energy bills image
Source : Guardian [Read Article] Thursday 17th of November 2016 12:06:08 PM
....St Ives moves step closer to restricting second home ownership. 25 texts and emails a day: how payday loan firms hound borrowers. ...
HOMEOWNER BOOST: Mortgage deals defy Brexit doom-mongers to fall to RECORD lows image
Source : Daily Express [Read Article] Monday 14th of November 2016 05:05:00 PM
....97 per cent. "This means that borrowers coming to the end of a two-year fixed deal will find they can now get the extra security of a longer term for a similar price to their old two-year deal. ...
25 texts and emails a day: how payday loan firms hound vulnerable borrowers image
Source : Guardian [Read Article] Saturday 12th of November 2016 07:00:43 AM
.... Also, his credit record is worse. In late 2014 he and his partner entered into an IVA, an insolvency arrangement that allows borrowers to negotiate part-repayment of their debts over a set period of time. ...
Basic income for all: a 500-year-old idea whose time has come? image
Source : Guardian [Read Article] Thursday 10th of November 2016 11:28:56 PM
....The future requires, he believes, a state more active and more robust in alleviating the cost of day-to-day living. “Before the robots take over, I’d be thinking about where the state can get back in, with the commonwealth as the borrower and the states as the spender,” he says. ...
Finding the right credit card ahead of your Christmas shopping image
Source : Daily Express [Read Article] Wednesday 9th of November 2016 09:14:00 AM
....75 per cent. If they borrowed £3,000 and repaid 4 per cent of their balance each month the better-rated borrower would pay a total interest of just £400, against £3,389 for the borrower with the poorer rating. ...
Warning as household debts rise to top £1.5 trillion image
Source : BBC [Read Article] Monday 7th of November 2016 12:49:06 AM
....But UK adults also now owe an average of £3,737 in loans and credit cards. With inflation set to rise, borrowers are urged to start cutting their debts. ...
With Tesco offering a 3% current account, every little really does help image
Source : Guardian [Read Article] Saturday 5th of November 2016 06:59:40 AM
....98% – its lowest-ever rate. Jonathan Harris at mortgage broker Anderson Harris says: “With lenders continuing to cut mortgage rates in order to boost their balance sheets before the end of the year, there are lots of attractive deals on the market for borrowers. ...
MAPPED: Which area of the UK will see the biggest house price booms within five years image
.... . Savills have said that the increases in the next five years would depend on Brexit negotiations with poorer borrowers and regulation also having an impact. ...
Facebook blocks Admiral's car insurance discount plan image
Source : BBC [Read Article] Wednesday 2nd of November 2016 11:45:49 AM
....". Similar technology has been in place in Africa, where lenders look at borrowers' social media profiles to assess their creditworthiness. ...

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