Secured Loan Articles

• What’s a Lifetime Mortgage?
  A lifetime mortgage: It's the next big thing in the world of homeowners. For those wishing to unlock the equity in their homes and use it now, lifetime mortgages are all the rage, particularly among those nearing retirement age.
• Equity Release Plans
  What is an Equity release plan? An equity release plan is where you take out equity on your property allowing you to release money with a tax-free lump sum and monthly payments as income. Basically an equity release plan is a loan from your bank against your house.
• Financing Property Purchases
  If you want to finance the purchase of property there are a few ways you can finance this property. You can take out a repayment mortgage to finance your new property or you can take out an endowment mortgage.
• Last Ditch Money to Stop a Home Loan Foreclosure
  The thought of losing your home is a scary one. If there is an impending foreclosure on your home, there are things you can do to prevent foreclosure.
• Is a Secured Loan Right for You?
  It's the age-old way to borrow money, updated a bit for today's standards. Many people in need of cash for whatever reason look into secured loans. They are often easier to obtain than other types of loans since poor credit scores don't matter as much- you're offering collateral to ensure you pay up.
• When To Refinance Your Home Loan
  Today more and more people are turning to home refinancing as a way to put some extra cash in their pocket and decrease their monthly mortgage payment.
• Should You Take Out A Home Improvement Loan?
  Taking out a home improvement loan can be an excellent step. Renovations and repairs can raise the equity of your home and prove to be an excellent investment when it comes time to sell or refinance your property.
• How To Use Your Home To Get A Loan
  Most people are familiar with unsecured loans. That's where you take out a credit card, a borrowing agreement with a retail outlet or a loan without having to provide any security. However, there is another loan option that might be useful, depending on your personal circumstances. It's called a homeowner loan.

Personal Loan Articles

• Shopping For Personal Finance
  The advent of the Internet and the introduction of personal computers into most households has had a lasting effect on the way we spend our money.
• Halifax Cash Back
  It used to be that credit cards, personal loans and current accounts were fairly straightforward and individual entities. However recently Barclaycard launched their personal loan/credit card hybrid and it seems there are more changes on the horizon with Halifax launching the UK’s first ever cashback debit card/current account.
• Beware Cut Price Loan Offers - Beware the cut- price deals that are being currently offered by many banks and building societies, which seem to have got into the spirit of the January sales.
• What is a No Status Loan?
  What does it mean to be a no status borrower? Basically, a no status borrower is someone with no credit history at all. This does not mean that you have bad credit, but essentially the risk is not that different in the eyes of a lender
• How Your Credit Rating Affects The APR Offered to You
  With the growth of personal lending came Credit Rating, the industry’s gauge for its potential customers. Data is stored on everybody who has held a credit card, had a mortgage and even who pays utility bills.

Mortgage Articles

• The Benefits of an Equity Release Mortgage
  If you are nearing retirement, you may be doing your books and thinking about how you are going to enjoy your golden years without the luxury of a constant cash flow
• Self Certification Self Employed Mortgage Loans
  It doesn't matter how much you make if you can't prove it. That seems to be how most lenders feel about loan seekers who are self-employed, or who make their living as freelancers or from commission sales
• Home Mortgage Loan
  Choosing the right mortgage is one of the most important decisions one makes while deciding finance. And the right decision can save you thousands of pounds. Know the facts before you move ahead with a home mortgage loan.
• Buy to Let Mortgage
  One of the most common roads to home ownership used to be buying a multi-family row house and letting the rents from other tenants pay the mortgage off for you
• Equity Release Mortgage - Getting The Most From Your Investments
  Equity release mortgages, sometimes referred to as 'reverse mortgages', are becoming a popular way for homeowners to tap into the biggest investment that they've made throughout their lives.
• Right to Buy Council Mortgages
  If you've lived in council housing for at least two years, you may qualify for a right to buy council mortgage under the 1980 Right-to-Buy legislation which was recently amended.
• Online Homeowner’s Loans
  Nowadays, it's all done with computers. Considering the popularity of online banking, shopping, and other financial transactions, it's not surprising that online loans are the next big thing.
• Which Mortgage Is Best For You?
  Most people enjoy looking over real estate publications to decide which home they want. However, the high prices for homes today can be enough to discourage many people. This is especially true if you are looking at listings for homes in major cities like New York, Los Angeles, or San Francisco.
• Sub Prime Lenders – Get A Mortgage Even With Bad Credit
  Even if you have a bad credit rating, you may be pleasantly surprised to know that there is a whole sector catering specifically for you. There are brokers who specialise in clients with adverse credit, and can help you find a mortgage deal.

IVA Articles

• Will an IVA stop creditor phone calls?
  Let's face it, creditor phone calls are one of the most unpleasant parts of being in debt. The thought of having to face your creditors over the telephone and explain to them why you are unable to maintain your commitments is excruciating.
• IVA Full and Final Settlement Calculation
  If you are in an IVA and considering making an offer of 'Full and Final Settlement' to your creditors, it is quite natural to try to calculate the size of the offer you are going to have to make, for it to be acceptable to your creditors. However, as you can imagine, it is rather difficult to find a calculation for something with so many potential variables.
• What Does IVA Stand For?
  IVA stands for Individual Voluntary Arrangement. An Individual Voluntary Arrangement, or IVA, is a formal debt solution which is designed to assist a person who is struggling with unaffordable personal repayments. The IVA does this by restructuring the expected repayments to a new affordable monthly payment, thus helping the debtor to keep up to date with the priority expenses, such as secured loans - like a mortgage or rent payment, and essential living cost - without the fear of legal recovery action being taken against them by their unsecured creditors.
• Equity IVAs
  As the debate over the suitability of Individual Voluntary Arrangements (IVAs) as an appropriate debt solution rages on, people with serious debt problems are finding themselves being torn over the mixed messages within the IVA advice they are receiving. This article hopes to help people who have equity in their property begin to understand how their equity will come into play - before, during, and after an Individual Voluntary Arrangement (IVA), especially in cases where an Individual Voluntary Arrangement (IVA) is the debt solution they use to become debt free.
• Compare IVA
  How do you compare IVA companies? After all, you really don't want to be making a mistake with such an important decision at a time when you are feeling so vulnerable, so getting the best IVA company to represent your IVA case is essential. Here are a few tips that will help you make your choice.
• Student loans IVA
  IVAs are designed to assist any person struggling with an overwhelming debt problem, students included. But what happens when one of the debts is owed to the Student Loan Company?
• IVA Equity
  In this current economic climate, every home owner is concerned about the equity value in their home. However, when you are in an IVA, equity levels take on a deeper significance. After all, potential falls in releasable equity could have implications on how your IVA is concluded.
• About IVA’s
  As part of our commitment to inform the public about how IVA's work, everybody here at My IVA Adviser decided to create an articles section to our website. Full of ideas of what articles were needed to explain all about IVAs, and the pros and cons about IVAs as a practical debt solution, we began to write.
• Unemployed IVA One of the main reasons financial difficulties arise is due to loss of income. Our ability to keep our finances in order is married to our ability to maintain a stable income, and without one we can't expect the other. There's no doubt about it, being made redundant or unemployed creates financial problems.

Free Debt Advice Articles

• Avoid a Bad Credit Loan Scam
  You may be tempted to sign up for an attractive bad credit that requires you to pay an advance fee. Be careful, these loans are scams and can leave you out of hundreds, even thousands of dollars in "fees."
• Equity Release Plans
  What is an Equity release plan? An equity release plan is where you take out equity on your property allowing you to release money with a tax-free lump sum and monthly payments as income. Basically an equity release plan is a loan from your bank against your house.
• The Fair and Accurate Transactions Act of 2003
  The Fair and Accurate Transactions Act of 2003, or FACT Act, amended the Fair Credit Reporting Act to help consumers fight identity theft. The FACT Act gave consumers the right to a free credit report every year.
• Sample Pay for Delete Letter
  TUse this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report. Customize the letter to fit your situation.
• Double Billing Cycle Finance Charges Revealed
  Explains the double billing cycle method of computing finance charges and demonstrates how it can be more costly for cardholders who want to pay their balance off quickly.
• List of Debt Statute of Limitations By State
  Today more and more people are turning to home refinancing as a way to put some extra cash in their pocket and decrease their monthly mortgage payment.
• What's the Statute of Limitations On Debt
  Each state has its own statute of limitations on debt - the amount of time you can be sued for a debt. Before you respond to a debt collection find out the statute of limitations for your state
• How To Use Your Home To Get A Loan
  The statute of limitations on a debt keeps debt collectors from collecting on it forever. The limit varies by state and depends on the account's last date of activity.