Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. For customers with previous credit problems the overall cost for comparison is 8.6% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration. Where consolidating other loans into one mortgage, this may increase the amount repaid overall and the term over which these loans are repaid.

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Moneyextra Credit Cards News
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Capital One's new Low Rate Credit Card
Capital One has launched a new 'Low Rate Credit Card' offering a competitive 8.5% APR typical variable on balance transfers and purchases.


Financial Capability Action Plan unveiled
Action to give people more support to tackle their money concerns has being announced by Yvette Cooper MP, Chief Secretary to the Treasury and Hector Sants, CEO of Financial Services Authority (FSA). The Financial Capability Action Plan sets out new measures to give people free advice and assistance to help them to manage their finances
How to finance home improvements
Despite the uncertainty in the housing market, 3.25 million of us plan to move home over the next year or so, according to research from Alliance & Leicester (A&L). While the number may be a bit of a shock, it certainly isn't a surprise to learn that while waiting to put their home on the market, many would-be movers plan to improve their home to make it more attractive to potential buyers and get the best price. Before you start knocking walls down or converting the loft, you need to find out what buyers are looking for and what will add to the value of the property.


Debit cards - the cards of choice
APACS' (the UK payments association) latest publication 'The Way We Pay 2008: UK Plastic Cards' shows that in 2007, for the 7th year running, debit cards continued to dominate consumer card spending, accounting for 62% of the total plastic card spending during the year.
Affordable credit made easier?
Economic Secretary to the Treasury, Kitty Ussher, has confirmed Government plans to make it easier for families to access the affordable credit options offered by credit unions by removing the red tape restricting the growth of the sector.


The £7.89 billion credit card spend
New research from Sainsbury's Credit Cards indicates that this summer, people are planning to spend an estimated £7.89 billion in the sales.
Credit crunch? What credit crunch?
Could the current economic climate, financial doom and gloom, be a myth? According to new research from life insurer Zurich, despite the testing market conditions, less than a third of consumers have reviewed their finances in light of the credit crunch (29%) and a fifth of people (21%) claim it's a term created by the media.


Can you still find a bargain piece of plastic?
As with all things credit, plastic has become increasingly expensive to fund since the beginning of the year.
Payment Protection Insurance - protection racket or valuable peace of mind?
Payment Protection Insurance, or "PPI" as it is known, must have one of the dirtiest names in the financial services business, after low-cost endowment policies, for dodgy sales practices and general mis-selling. PPI is the type of insurance that you take out supposedly to make payments on a loan or credit debt if you are unable to because of accident, sickness or unemployment.


Consumer confidence slumps to record low
Rising costs and talk of falling property values have pushed Britain's consumer confidence to record lows, according to new figures released by market research company Nielsen and the British Retail Consortium (BRC).
The downside to lower credit card charges
It's been just over two years now since the Office of Fair Trading (OFT) declared that default charges on credit cards were too high and suggested capping these at £12. Since then lenders have cut penalty charges but in an attempt to recoup lost revenue, hiked rates and fees elsewhere.


Consumer confidence hits new low
The latest Nationwide Consumer Confidence Index (NCCI) shows UK consumer confidence ticking down 1 point in May to 69. This is the second consecutive new low and brings overall confidence to a level 30% lower than this time last year.
Consumers tempted into debt by cars
Cars are the biggest culprits when it comes to tempting people into spending beyond their means, according to a new survey by Experian, the global information services company.


Paying for your white wedding
Fathers worried about footing the bill for their daughter's big day; can breathe a sigh of relief - the tradition is fast becoming a thing of the past. These days, around 80% of couples pay for their own wedding, easing the financial burden on parents but heaping it on for newlyweds. But while money cant buy you love, it certainly helps when it comes to splashing out on your big day. The average cost of a wedding is now an eye watering £19,500, leaving many couples big day memorable for all the wrong reasons.
Living on a financial knife-edge?
Should anything untoward happens, you have just one month to financial meltdown. You could be forced over the edge into living on debt eventually leading to the loss of the roof over your head. At an economically uncertain time when we need to save more, a quarter of us have actually reduced the amount we save compared to six months ago or even stopped saving altogether.



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