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James Miller's Articles Display Category|Title|Newest|Oldest What Do Credit Repair Companies Do? Credit repair companies advertise that they can free you from the problems associated with bad debt and can 'clean up' your credit report. A Beginners Guide To Credit Report Your credit report is used by potential lenders, landlords and employers to help them make a decision as to whether approve your application for a loan or other credit; or for a job or as a tenant. Things To Know About Credit Score A Credit Score is something used by loan, mortgage and credit companies to decide whether you qualify for a particular product. An Introduction To The Remortgaging Process None of us likes having a mortgage. However, there are ways that you can ensure that your mortgage is less of an albatross around your neck and more of a pigeon sat on your shoulder! Advice About Lowering Your Mortgage Bill Many existing borrowers tend to put off remortgaging because they think the trouble generated by the procedure is just not worth while. Getting Started: Credit Repair Programmes There are many advertisements in magazines and on the television for organisations saying that they can 'restore' or 'clean' your credit file. However, the Office of Fair Trading (OFT), who are the consumer protection authority, warns consumers to tread carefully if considering this type of service. Know Your Options: Applying For The Right Loan When choosing a loan, there are a number of important considerations: Low APR, Loan Fees, Deferment Periods and Payment Breaks or Early settlement penalty How To Guide: Unsecured Loan Companies If you are looking to take a loan out and for whatever purpose - whether it is for debt consolidation or to purchase a new car or even to pay your child's university fees - there are things that you need to check before you sign on the dotted line. Guidelines To Follow About Homeowner Loans A secured loan is where you borrow money and the debt is secured against your assets – normally your home. This means that should you miss your monthly repayments (this is called ‘defaulting’) you stand to lose your home as the loan provider can seize it in order to get their money back. Simple Guide To Managing Damaged Credit Score If you have a poor credit history, it doesn't mean that it has to stay that way. It can take time, but you can rebuild your credit. The key is to show potential creditors that you really are serious about getting your credit back in shape. Your 'Need To Know' Guide To Debt Consolidation Loans For Unsecured Debts Is a debt consolidation loan right for you? First you need to understand how you got into debt. Failing to understand this issue could have dramatic consequences. Debt consolidation loans are a good solution to better manage your finances and clear your debt over a period. It is not a lump sum to splash out on spending or to hide the fact that your lifestyle exceeds your monthly income. Guide To Mortgages With Guarantor Bad Credit Record Should you have a poor credit history, finding a mortgage specific to anybody with bad credit can be a challenge. And even when you do get a mortgage deal, how can you tell that it is the most suitable one for you? Tapping into the internet can be of help. There is plenty of practical information on there relating to bad credit mortgages for instance, no-cost guides, and also access to companies dealing in bad credit mortgages. Searching on#Line also allows you to compare different lenders so you can examine all the product features and benefits to know if it is best for you. There are also internet sites that welcome online applications and also, there are numerous that give instant and free online quotes. So you can see how much money you can truly pay out for a mortgage loan. Mortgage: First Time Buyer Tips Taking out a mortgage is always a huge decision. With interest rates varying and different mortgages to choose from there are right ways to go about getting a mortgage and ways you shouldn’t. The Property Ladder: Mortgage Interest Rates Your aim is to pay as little interest as you can on your mortgage, so interest rates are the most important part about buying a house. You need to decide which type of interest charging you want your mortgage to be so that it best suits your circumstances. Find The True Cost Of Your Mortgage When comparing mortgages, it isn’t just a case of looking at the difference in interest charging and choosing the one with the lowest rate. There is so much more you need to consider finding out the true cost of a mortgage. Mortgage: Help For First Time Buyers Putting that very first foot on the property ladder is getting harder and harder for First Time Buyers (FTB’s for short). With house prices rocketing, if you are a wannabe FTB, finding the money to buy your own home is nigh on impossible. Mortgage Explained In simple terms, a mortgage is a form of loan where you borrow money in order to buy a property. A typical mortgage will run for a longer period than a normal loan - usually 25 years. Tips About Getting A Mortgage Taking out a mortgage is a big financial commitment - it is probably one of the largest financial decisions you’ll ever make. So, if you are looking at taking out a mortgage, there are a number of considerations that you need to take into account before you sign on the dotted line. Repayment Mortgages Vs Interest Only Mortgages In one form or another, borrowing plays some part in most people’s lives, whether it is a mortgage to buy a home or credit cards as a convenient way to shop. All-In-One Mortgages An increasing number of lenders offer all-in-one mortgages that combine a flexible loan with a current account and, in some cases, savings accounts and a credit card as well. Mortgage: The Danger Of Over Stretching Your Finance Borrowing more and more money for a mortgage is getting easier, with some mortgage providers offering mortgages up to four times your salary. Get a Mortgage With Bad Credit In the old days if your credit history was less than perfect, the only mortgage you would be offered would be one with extortionate interest rates from a shady broker. Nowadays, there are more sympathetic lenders who will offer you a bad credit mortgage without charging you sky-high interest charges. And because there are more lenders out there now offering these non-standard mortgages, it has driven the interest rates on them down which is good news!

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