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A loan to buy a property There are different types of mortgage, such as buy to let , where you borrow money to buy a property you will let out to tenants. Almost all mortgages are partly secured on the value of the property, and can be for varying lengths of time. Mortgage indemnity insurance A payment to a mortgage lender so they can take out insurance if you are borrowing more than a certain percentage of the value of your home. debt consolidation and credit

Mortgage payment protection

Pays your mortgage for a limited period if you can t work or are made redundant. Mortgage valuation A valuation, carried out by your mortgage lender, of the property that you want to buy. N National Savings Tax-free savings accounts run by the Government. Negative Equity When your house is worth less than your mortgage because the value of the property has fallen. check credit rating

Non-status Mortgage

Mortgages offered by lenders without any proof of previous mortgage history, proof of income. The usual maximum loan to value is around 70%. O Occupational Pension Scheme A pension scheme set up by an employer for its employees. Offset mortgage Offset or all in one mortgages allow you to offset the balance of your mortgage, and any other borrowings you have, against any money you have in a savings and/or current account that is held with the same lender. All your borrowings and savings may be combined in one account. improve credit rating

Ombudsman

An independent official to whom grievances can be aired, free of charge. Overdraft When you owe money to your bank through your current account P Partial Disability A disability that is less than total (according to the particular definition relating to the contract in question) but still sufficient to hamper you in your job. credit online rating report

PAYE

Pay-As-You-Earn - where your employer takes income tax off your salary or wages before you get it, and pays it direct to the Inland Revenue on your behalf. Payment Holiday A feature offered by some mortgages that allow you to miss monthly payments on your mortgage. Payment protection A type of insurance to cover your monthly repayments on a credit card or loan should you lose your job or be too ill to work. credit score rating scale

Pension Scheme

A way of saving for your retirement Pension Transfer If you want to transfer your pension from one management company to another, or from one employer to another Pensioner A person who has retired and receives an income from a pension scheme. Permanent Total Disability Disability from which you are unlikely to recover at any time in the future. bad card credit credit people

Permanent health insurance

Provides an income, until retirement if necessary, if you can t work because of sickness or disability. Personal Loan A loan which you take out as an individual, with a fixed interest rate and a fixed number of repayments. R Redemption penalty The amount of money you will be charged if you wish to switch lender or pay off part of your mortgage during, and sometimes after, an initial cheap-rate period. free credit rating report

Refinancing

The process of repaying some or all of the loan capital of a firm by obtaining fresh loans, usually at a lower rate of interest. Remortgage This is when you switch your mortgage from your current lender to another one. You take out a new mortgage to repay your current one. You may be able to get a better rate that saves you money. Repayment mortgage credit rating scale

A mortgage with which you repay part of the debt each month, plus interest on the amount of loan outstanding. Repossession This is when a borrower fails to pay back their loan in accordance with the terms and conditions of their loan and the lender takes legal ownership of the property. S Secured loan A loan for which you put up an asset, such as your home, as security; if you do not keep up you repayments, the lender can sell your home to get their money back. bad credit rating

Standard variable rate

The mortgage interest rate charged by most lenders, which varies in line with rises and falls in the Bank of England base rate. U Unit Linked Endowment A fixed term savings plan with an element of life cover. Your savings go into an underlying fund of investments like shares and the eventual return you get depends on the performance of these investments. credit rating agency

Unsecured loan

A loan for which you don t have to put up an asset, such as your home, as security that the loan will be repaid. V Valuation Undertaken by a professional surveyor to establish how much a property is worth and whether it is suitable to lend a mortgage on. credit rating canada

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Repayment period --Select-- 5 Years 10 Years 15 Years 25 Years Homeowner Loan Your home is your bank - Cash on it Homeowner loans from Shakespeare Finance offer lucrative APRs with flexible repayment options. Though this loan requires the borrower to put his house as security, no other loan in the market can get you such a hefty amount with added benefits. Homeowner loans are based on the equity stored in your house. bad credit loan personal

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The amount to be granted as homeowner loan is based on the equity and usually the lender provides LTV (Loan to value) up to 90%. However, Shakespeare Finance also provides loans against insufficient equity. loan for people with poor

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New businesses need capital to move. While there may be some entrepreneurs with a financial base solid enough to start and, in some cases, sustain their businesses over a period of time, the circumstances for the general businessman is a lot different. New business loans become a necessity here. standard poors credit rating

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With the need for conveyance at an all-time high, people jostle to get the most viable deal to finance their new car. At Shakespeare Finance Ltd., we try to give customers the most feasible new car loan deals that cater to a diversity of requirements. fixing credit rating

With an array of specialised lenders working for us, we may be able to provide the fitting car loan that materialises the new car dream of a customer. However, we are not restricted to this loan. In fact, we have a variety of other products that are meant to look after the needs of a diverse clientele. They are: credit get rating

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In fact, Shakespeare Finance Ltd. offers unsecured car loan as well. In other words, the borrower does not have to furnish any security to procure this loan. And while these loans have elevated rates as per the norm, we try to provide unsecured car loans that suit individual financial requirements. credit rating in canada

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Latest Finance News: Affordable home for young consumers

Loan amount ( ) Repayment period --Select-- 5 Years 10 Years 15 Years 25 Years Finance News - Shakespeare Finance Finance News From Shakespeare Finance Affordable home for young consumers Thursday, 26 July 2007 credit rating definition

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Good news for first-time buyers, as government is planning to introduce an affordable housing scheme. London (Shakespeare Finance) July 26th, 2007: According to Housing Minister Yvette Cooper, UK consumer looking for a home will have affordable options with government announcing major housing investments. credit range rating

Prime Minister, Gordon Brown announced that, billion has been sanctioned for a housing project, with target of building three million homes before 2020. A well thought initiative by the Govt., this is an attempt to help families and young people to become a homeowner. With a home, people are eligible to avail a homeowner loans in financial problems. Ms. Cooper stated that: We need to build more homes across England. The housing shortage means first-time buyers and young families are finding it increasingly hard to get their first step onto the housing ladder, credit rating insurance

Looking at the adverse long-term consequences of adequate housing infrastructure, this is what Ms. Cooper had to say: Unless we act now by 2026 first time buyers will find average house prices are ten times their salary. That could lead to real social inequality and injustice . bad credit rating repair

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Back to News Home Finance News: High interest rates hit consumer services Shakespeare Finance News - The consumer services sector in the UK has been cramped by the rising interest rates over the last one year.

Loan amount ( ) Repayment period --Select-- 5 Years 10 Years 15 Years 25 Years Finance News - Shakespeare Finance Finance News From Shakespeare Finance High interest rates hit consumer services Wednesday, 22 Aug 2007 credit rating chart

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London (shakespearefinance) September 3, 2007: A latest survey by the Confederation of British Industry and Grant Thornton reveals a sluggish demand in the consumer services sector. Five interest rate rises in the last one year has led to discretionary spending by the consumers. bond credit rating

During the last three months, sales across the leisure, personal care and travel sectors have got affected. In contrast, the professional services like accountancy, law and property saw a buoyant quarter with strong business volumes and value growth. The high interest rates have also affected the borrowers taking out secured loans and personal loans. equifax credit rating

Martin McAfferty, adviser at the Confederation of British Industry said: Consumer services firms don t expect to expand their businesses in the coming year. Costs are expected to continue growing at a rapid rate, with less scope for firms to raise prices, which will inevitably put profit margins under greater strain. credit loan rating score

Alysoun Stewart of Grant Thornton said: Optimism levels among consumer services firms have plummeted to levels not seen since February 2003, clearly indicating that successive interest rate rises over the past year have begun to bite. aaa credit rating

Home loan approvals continue to fall The number of mortgage approvals for purchasing house fell for a consecutive fifth month in November 2007.

Loan amount ( ) Repayment period --Select-- 5 Years 10 Years 15 Years 25 Years Finance News - Shakespeare Finance Finance News From Shakespeare Finance Home loan approvals continue to fall Saturday, 5 Jan 2008 credit card company rating

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London (shakespearefinance) 5 January, 2008:

According to the data released by the Bank of England, the mortgage approvals in November 2007 hit their lowest level in almost three years. The latest figures show that only 83, 000 new mortgages were approved in the month of November 2007, a fall of 6, 000 when compared to October. credit rating system

The November 2007 figures were the lowest since January 2005 and not very far away from the figure of 77, 000 registered in November 2004. The number of mortgage approvals is a lead measure of the health of the property market. The reduction in the number of mortgage approvals shows that the property market is experiencing a slowdown. free canadian credit rating

Overall, the year 2007 witnessed an increase in home prices by around 5-8 per cent but the prices started falling at the end of the year. The experts believe that house prices will continue falling this year or, at best, stay level over the course of the next 12 months. First time home buyers can expect a positive market this year particularly if the interest rates drop further, making it easier to raise finance for buying a home. The effect of global credit crunch has dampened the spirits of the first time buyers as the interest rates in respect of secured loans and mortgages shot upwards and are still haunting them. check your credit rating uk

Homeowner Loan and Personal Loans News for UK residents

Loan amount ( ) Repayment period --Select-- 5 Years 10 Years 15 Years 25 Years September 2007 August 2007 July 2007 June 2007 May 2007 April 2007 March 2007 February 2007 January 2007 Year 2006 News Archive Year 2005 News Archive Brits confident of their debts Tuesday, 25 April 2006 repairing credit rating

Around three-quarters of people in Britain are comfortable with their debts reports a survey conducted by, credit monitoring service company..... Two million people owe more than 10, 000 in UK Monday, 17 April 2006 A survey conducted by One Advice has found that around two million people in UK owe more than 10, 000 on credit cards.... credit rating australia

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Back to News Home More News: Aug 2007 Jul 2007 Jun 2007 May 2007 Apr 2007 Mar 2007 Feb 2007 Jan 2007 Dec 2006 Nov 2006 Oct 2006 Sep 2006 Aug 2006 Jul 2006 Jun 2006 May 2006 Apr 2006 Mar 2006 Feb 2006 Jan 2006 Dec 2005

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Finance News: Home Loans- Secured Home Loans UK

• First-time buyers opting for fixed-rate loans

Thursday, 12 Apr 2007 According to new data from the Council of Mortgage Lenders (CML)... More... credit rating information

• Interest rate rises troubles mortgage loan applicants

  Saturday, 07 Apr 2007 More than 460, 000 home loans have been turned down in UK... More... understanding credit rating