The adverts promise a solution to your financial worries, with the money in your account by the time your favourite show has returned from the break. Payday loans offer easy money so in the current economic climate it is no surprise to hear that the number of people using this service is on the rise.
The Perils of Payday Loans
September 18th, 2012 HIP-Consultant.co.uk Posted in Financial Products Comments Off on The Perils of Payday Loans
Learn more about Shared Ownership Schemes
August 18th, 2012 HIP-Consultant.co.uk Posted in Mortgages, Property Developers, Property Market 1 Comment »
The government’s shared ownership scheme is in place for those who want to buy a property of their own, but just can’t afford to. In these schemes, people are offered the chance to buy a share of their home, paying rent on the share that is leftover.
Pre-paid Funeral Plans – good planning?
August 8th, 2012 HIP-Consultant.co.uk Posted in Financial Products Comments Off on Pre-paid Funeral Plans – good planning?
Our own funeral is not something we all want to think about. However, funerals are expensive (the average funeral costs around £3000) and we do not want to leave our loved ones with a financial burden at an emotional time. That is why an ever-increasing number of people are taking out pre-paid funeral plans.
First-Time Buyers guide to HomeBuy Schemes
August 6th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Mortgages, Property Market Comments Off on First-Time Buyers guide to HomeBuy Schemes
Looking to buy your first home can be one of the most exciting but most daunting experiences so far in your life. All this talk of deposits, mortgages and insurance can leave you feeling unsure, concerned and a bit like a fish out of water. That’s why it is vital that you understand each and every part of the house buying procedure so you don’t find yourself in financial difficulty further down the line.
Lender Assisted Sales to Avoid Repossession
July 9th, 2012 HIP-Consultant.co.uk Posted in Mortgages, Property Market Comments Off on Lender Assisted Sales to Avoid Repossession
With a combination of falling house prices and rising unemployment, conditions are ripe for another sharp spike in repossessions. Only low interest rates are keeping repossessions in check at the moment but a rise of even a couple of percentage points, which is surely inevitable in order to control inflation, and a large number of families will begin to default on mortgage repayments. When they do, many will find they can’t sell their way out due to negative equity (they owe more on the property than it is worth).
The 7 Steps to Buying Your Next Home
June 27th, 2012 HIP-Consultant.co.uk Posted in Mortgages, Property Market 7 Comments »
The 7 steps to home buying infographic, brought to you by Halifax, features useful home buying hints and tips.
The infographic works well with their new free app which makes finding a home easier.
Are Deposit Protection Schemes Essential ?
June 21st, 2012 HIP-Consultant.co.uk Posted in Insurance, Landlords Comments Off on Are Deposit Protection Schemes Essential ?
Housing charity, Shelter, have revealed that complaints from tenants about problems with rental deposits have soared by 86% in the past couple of years. Shelter have explained that one out of every 20 calls to their helpline in 2011 were concerning tenants’ deposits. This comes despite the introduction of compulsory tenancy protection schemes in April 2007.
How will going Bankrupt affect my Home?
June 19th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Legal, Property Conveyancing 4 Comments »
Bankruptcy is a frightening process; especially when there is a risk you might lose your home. It is difficult to get good advice. Your creditors are naturally looking for the options which will allow them to recover the maximum debt and you are unlikely to have money to pay for independent professional advice.
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Dealing with Negative Equity – What to do?
June 11th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Mortgages, Property Market 2 Comments »
The spectre of negative equity first appeared on a significant scale during the housing market crash in 1990s when interest went up so high that no one could afford to pay or take out a mortgage. The problem is now back and is worse than ever.
Winter Weather, Did Your Home Suffer Snow Damage
May 21st, 2012 HIP-Consultant.co.uk Posted in Home Improvements, Insurance Comments Off on Winter Weather, Did Your Home Suffer Snow Damage
Snow is a particularly damaging form of winter weather, as it can cause untold damage to your home. Your home insurance policy should protect your buildings and contents against winter weather damage, so that you’re safe from the damage caused by snow.
Where are the Burglary Hotspots in the UK?
May 18th, 2012 HIP-Consultant.co.uk Posted in Insurance, Landlords Comments Off on Where are the Burglary Hotspots in the UK?
Landlord insurance experts Just Landlords have recently released a new infographic which highlights the top 10 burglary hotspots in the UK and some interesting facts about burglaries.
It is clear from the infographic that the 2 places to avoid are London and Yorkshire which both have multiple locations that make it into the top 10, including Wood Green in London, Bramley in Leeds and Apperly Bridge in Bradford