Loans UK -> Articles

As a service to our customers and web site visitors, we provide regularly updated articles covering all aspects of the UK loans market.

Home improvement loans
Information about the different types of home improvement loans, how to get one and things to bear in mind when applying.

Debt consolidation loans - reduce your monthly outgoings by consolidating your debts into a single affordable montly payment and get a lump sum to use for any purpose, including home improvements or buying a new car.

Bank loans - advice and information on obtaining a loan with your existing bank. Discussion of the pros and cons.

Bridging loans - if you have found your dream home but are in danger of loosing out because of delays in selling your home, a bridging loan may be the answer to your worries.

Loan Interest Rates - For many people the most important factor for them when looking for a loan is the rate of interest charged on the loan amount, as it is this that has the biggest influence on the cost of the loan.

Is your money working for you? - Many thousands of people in the UK are effectively throwing money away by not bothering to shop around for the best deals in terms of their current and savings accounts. You may think that the differences between the banks are minimal...

Mortgage Lending - The latest mortgage lending figures from the British Bankers Association suggest that an upturn in the mortgage market may be on the cards, whether this is the case remains to be seen, however the figures make for intersting reading...

Interest Rates - The Bank of England base rate has remained unchanged for the ninth consecutive month, however many economists believe that we are at a turning point, and that a downturn may be on the cards in the not too distant future...

UK Lending - With the retail sector struggling at present, but with the housing market remaining stable, even seeing a small improvement, the MPC faces a challenging time in setting the interest rates, which affect lending...

Payment Protection - There are many things that could prevent you from being able to work, from accidents and illness to redundancy, all of which could affect your ability to meet the repayments on your loans...

Christmas Debt - The festive season can certainly be an expensive season, buying gifts, food and treats can soon add up and you may find that you need to borrow in order to cover the costs. If you do need to borrow then a loan is a far better option than credit cards...

Inflation Rises - Inflation is currently running in excess of the target of two percent set by chancellor Gordon Brown, and the MPC is tasked with keeping as close to this target as possible, the way they do this is through setting interest rates...

Secured vs Unsecured - When borrowing money, you will have the option of secured or unsecured loans provided you are a homeowner, so which one should you choose? This guide should help you to realise which each type offers...

Self Employed? - Being self-employed means that many regular financial products are not available to you, particularly those that loan money such as mortgages and personal loans. There are still many options open though, and this is increasing as more and more people become self-employed...

Graduate Homebuyers - Getting a foothold on the property ladder is notoriously difficult, especially for recent graduates who have the debt racked up during university to repay whilst trying to get the necessary deposit together...

Investment - The financial world is now more complex, fast moving and subject to more regulation than ever before, and it doesn’t look like its going to get any easier for those looking to invest their money on their own...

Credit Cards - Anyone with a reasonable credit rating could have applied for this so called ‘ free money’ 0% on balance transfers credit card, transferred their existing debt to it and reaped the benefits of up to a years free interest...

Take Financial Control - With a new year almost upon us, now is a good time to make the resolution to take better control of your money. Making a budget and committing some of your earnings to a savings account can greatly improve your financial situation...