JamesQuinton

Secured Loans Popularity Soars

The attractiveness of taking out a secured loan has never been so high, with house prices, especially those in London going, metaphorically, through the roof. Despite four interest rake hikes, which have slowed down the housing market, house price infl... Read >

Secured Loans Vs Unsecured Loans

If you're looking for a loan you maybe deciding whether to get a personal loan or a secured loan, it may be useful to know the differences between the two. A personal loan, generally known as an unsecured loan and can take the form of a credit card de... Read >

(There Maybe Trouble Ahead) Home Buying Latest

The rise of interest rate in May could mean that £16 a month will be added to the bill of a family with a typical £100,000 home loan. When added to the cost the previous three interest rate hikes in August, November 2006 and January 2007, it means mortg... Read >

What is a Secured Loan?

A secured loan is money borrowed that is backed with collateral, or a marketable asset, meaning that if you fail to pay the repayments of your loan the lender may acquire your collateral to pay the debt. Many secured loans are taken out against the val... Read >

HIPs Backlash

Before they have even come into force on the first of June, the Government's home information packs HIPs have been widely criticised by, well, pretty much everyone. Last week the Conservative party failed in an eleventh hour bid to block the introduction ... Read >

You've Got To be HIP(s)

From June 1 2007, everyone involved in buying and selling a home will need to know about Home Information Packs (HIPs). If you are buying a new home the pack will offer essential information about the property you wish to buy. If you are a seller you w... Read >

Brown and Green Mortgages

They may be called tagged with a colour, brown and green, but that's not the only thing they have in common. Both types of mortgages are ecological in their outlook. Brown mortgages are specifically targeted at buyers who wish to convert or restore an... Read >

The Green, Green Mortgages At Home

A ‘green mortgage' is a mortgage that is favorable to the environment. This means that lenders will plant a certain number of trees per loan; the idea being to offset its carbon footprint. They may also make a donation, on behalf of the borrower, to env... Read >

Foreign Currency

So, you're going on holiday and with lots to organise, getting the foreign currency for your overseas adventure may slip down your list of things to do. But there is no need to worry because with such a competitive market it has never been easier or quick... Read >

Why house prices must fall

Some commentators have been predicting house price falls in the UK for several months. But renewed house price growth in the UK this year inevitably raises the question of whether house prices have to fall. There are various reasons to suggest that hou... Read >

Top Ten Tips For Selling Your Home

With the days getting longer and the sun more likely to be shining, we're now entering the peak period for buying and selling houses and there's much a seller can do to make there property more appealing to a buyer. So, after much research I've compiled a... Read >

Top Ten Property Hot Spots

Northern Ireland has the top ten fastest rising property hotspots in the UK. A regional survey looking at 489 towns in Northern Ireland found that property values have gone up 55% since last year - property in Craigavon in 2006 was an average of £118,551... Read >

The 100% Plus Club

The number of first-time buyers taking out a mortgage greater than the value of their home has risen 21% on last year, with one in ten buyers choosing to borrow the entire value of their property and more. The rise in borrowing highlights the problems f... Read >

Roger the Lodger?

With the average first-time property price reaching £156,000, six times the average wage of £26,000, renting a room out for extra income and sharing living costs is the latest way that first-time buyers are helping to pay off the mortgage. A new typ... Read >

Falling Down

House prices could fall by as much as 30% over the next few years, claim experts, which could trigger a recession as currently overvalued property prices (20% overvalued according to Goldman Sachs and the highest in 15 years) are corrected. Many watchers ... Read >