Author Archives: alan

New UK Business Loans

uk small business loans

Click above for call back to find the lender and rate for your project

UK Business Loans and Commercial Mortgages

A business loan is the usual approach if you’re looking for help to grow your business, expand your premises or start a new project. However, finding the best lender and an acceptable terms and interest rate can prove daunting, unless you have all the options at your fingertips.

This is where a specialist can mean the difference between success or failure and save you many hours of research leaving you free to get on with what you are best at.

It might be that you want a business loan to get involved or expand your existing business in Sandwich Bar, Scaffolder, Scrap Metal Dealer, Shoe Shop, Shoe Repairer, Shopfitter, Sign Writer, Skip Hire, Small Holding, Sports Shop, Staff Agency, Surf Shop, Tack Shop, Tanning Centre, Tattoo Studio, Taxi Firm, Thatcher, Tiling Services, Tool Hire or Toy Shop.

A recent survey has declared that UK banks have reduced the number of small business loans in 80% of the countries 120 postcodes leading to accusations of reducing support to a very important sector of potential growth. It is at times like this that a very experienced, well contacted loans specialist can be of immense benefit to someone looking to source a small business loan to start up or expand their existing business.

interest rate for business loan

small business loans advice

Small business loans for other types of business

Maybe your expertise lies in the field of Jeweller, Jewellery Maker, Joiner, Key Cutting, Language School, Launderette, Life Coaching, Limousine Hire, Lingerie Shop, Livery Stables, Locksmith, Male Grooming, Management Consultant, Market Stall, Milk Round, Minicab, Mobile DJ, Mobile Phones, Mobile Takeaway, Motor Dealer, Motorcycle Dealer, Motorcycle Rider Training.

A small business loan can be used to open a Music Shop, Needlecrafts Shop, Newsagent, Night Club, Nutritional Therapist, Off-licence, Office Goods Supplier, Optician, Organic Farm, Osteopath, Outdoor Activity Centre, Outdoor Equipment Shop, Outside Caterer, Paintball Centre, Painter, Pawnbroker, Personal Trainer, Pest Control, Pet Grooming, Pet Shop, Pharmacy, Photo Equipment, Photographer, Physiotherapist, Picture Framing, Pig Farm, Pizza Delivery, Plant nursery, Plasterer, Plumber, Pony Trekking, Pool Hall, Pottery, Post Office, Poultry Farm, Printer, Public House, Record Label, Record Shop, Reflexologist, Removals, Residential Lettings, Roofer or Rural Crafts.

Whatever your business plans, our fixed rate Business Loan can help you reach your goals.

Ideas for business that might require a business loan

The number of business ideas that can generate a profit and become successful are as numerous and in addition to the ideas above small business loans can be used to include opening an Electrical Shop, becoming an Electrician, Entertainer, Estate Agency, Event Hire, Farm Shop, Farm Supplier, Farrier, Fencing Contractor, Fish and Chip shop, Fishing Tackle Shop, Fishmonger, Fitness Centre, Florist, Food Manufacturer, Funeral Director, Furniture Maker, Furniture Shop ,Garage, Garden Centre, Garden Services, Go Kart Track, Golf Driving Range, Golf Pro, Graphic Designer, Greengrocer, Hairdresser, Hair Products, Haulier, Health Shop, Holiday Lettings, Homeopath, Hotel, Ice Cream Manufacturer, Ice Cream Parlour, Ice Cream Van, Indian Restaurant, Interior Designer, Internet Cafe.

Business loans from lenders that have already been used at some time in the following business start ups

The above lists are not exhaustive and here are some other ideas that can prove profitable and probably started life using a business loan  –  Accountant, Acupuncture Practice, Aerial Installer, Amusement Arcade, Antique Dealer, Antique Restorer, Architect, Architectural Salvage, Aromatherapist, Art Gallery, Art Shop, Bakery, Beauty Salon, Bicycle Shop, Blacksmith, Boarding Kennel, Book Shop, Bookkeeper, Bridal Shop, Builder, Builders Merchant, Burglar Alarm Fitter Butcher, Café or Restaurant, Car Alarm Fitter, Car Bodyshop, Car Parts Shop, Car Repairer, Car Valeter.

A small business loan might be the answer to a new business project that aims to capitalise on the profits to be made from operating a Caravan Site, Care Home, Carpet Fitter, Carpet Shop, Cheese Maker, Childminder, Chimney Sweep, Chinese Catering, Chinese Herbalist, Chiropodist, Chiropractor, Classic Car Restorer, Clothes Hire, Clothes Shop, Clothing Manufacturer, Coach Firm, Computer Shop, Contract Cleaner, Courier Service, C-store, Cycling Event Organiser, Damp Proofer, Day Nursery, Delicatessen, Dental Lab, Dentist, DIY Shop, Dressmaker, Driveways and Patios, Driving School, Dry Cleaner.

Commerical Mortgages – Mortgages For Business

Commercial Mortgages and Business Loans

commercial mortgage and business finance loan

Click Above To Request A Call Back To Discuss Your Requirements

Finding a commercial mortgage or business loan in todays banking environment can present a challenge, and any help you can get is very welcome.

Especially if it comes from an experienced business loan and commercial mortgage expert from one of the biggest and well known UK banks.

Now operating as an independent business loan consultant, having spent many years in the field as an employee, his experience in arranging funding for all sorts of projects, small and extremely large, can be of immense benefit to you and mean the difference between success or failure.

In addition, by having multiple sources of business funding and established contacts in the financial institutions it means the abiloty to cast the net wide and obtain good interest rates and and preferential treatment from the lenders when he approaches them.

All you have to do is fill in a short from and request a call back to discuss your lending requirements, with no obligation to continue unless you are completely happy.

Previous enquiries for business finance have included loans for a care home, nursing home, garage, motor vehicle workshop, day nursery, resturaunt, landscape gardening, hairdressing salon, beauty salon, gift shop, driving school, antiques shop, plant hire, bed and breakfast, hotel, residential let, buy to let, wine bar, travel agency, catering, florist, dating agency, clothes shop, chip shop, chinese take away, indian take away, computer repair shop, beautician, guest house, cafe, carpet and upholstery cleaning, coffee shop, car hire, van hire, office premises, garden centre, diy shop and may more.

Click the banner to send you details today.

commercial mortgage and business finance loan

Click Above To Request A Call Back To Discuss Your Requirements

25 Year Fixed Rate Mortgage

25 year fixed rate mortgage

The 25 year fixed rate mortgage has made a return to the UK mortgage market, and it comes with early repayment charges on a sliding scale to make it less painful for the borrower to switch out of the scheme over time, with no early repayment charges after the first 7 years.

Historically the “early repayment charges” have been higher for the longer term fixed rates, but with this latest 25 year fixed rate mortgage offer the fees for changing your mind and switching to another lender before the 25 years are up reduce over time. They are 1.5% in the first 5 years, then 0.75% for the next 2 years and no early repayment charges after 7 years. That means a borrower that opts for a 25 year fixed rate mortgage is free to alter the lender and rates after only 7 years.

Obviously if conditions favour the borrower they are free to remain on the 25 year fixed rate for as long as they wish once the first 7 years have passed which will give them long term peace of mind about their monthly mortgage payments

Click Here to request a quote from a UK mortgage arranger who can access the scheme and complete an application for you.

5 year fixed rate mortgages

 

Foreign Property Mortgages

get help, advice and mortgage quotes

Get a mortgage to buy overseas

Click Here for a Foreign Property Mortgage

Get a quote, advice and see if you qualify for an overseas mortgageIt is now possible to get a mortgage to buy property in a huge list of countries that have been included into the overseas lenders portfolio, and they include : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,  and the

Mortgage Quotes

mortgage quotes

 

For help and advise on the UK mortgage market, whats available to you and what the monthly costs will be, click the above link and go to the main site to get a mortgage quote and have a FSA mortgage broker contact you.

You can specify buy to let mortgage, residential mortgage, first time buyer mortgage, repayment or interest only, and can discuss options regarding fixed rates, discounted and flexible mortgage terms when the mortgage broker makes contact.

A few years ago it was easy to get a mortgage quote and apply with some degree of certainty that providing your credit history was clean you would get the mortgage you needed. Since the banking crisis, brought about by negligence on the part of the FSA and greed  by the banks, it is now much more difficult. Large deposits are needed and it seems that the banks are looking for reasons not to lend rather than the other way around.

However, help is at hand. Although some of the UK mortgage brokers have now exited the market due to their inability to obtain finance from the reluctant banks and other lenders, there still remains a hard core of dedicated mortgage brokers and mortgage arrangers that refuse to go gently and are surviving  by downsizing and focusing on the basics of matching borrowers needs to lenders specific offers.

This is not a job for the light hearted due to the amount of work and up do date knowledge required to sift, sort and match profiles. So when the going gets tough a borrower would be well advised to contact a professional mortgage broker and seek their help. Often this is provided free of charge as the lender will pay the broker a fee for doing the document gathering stage of the application for them and for introducing the business on their specific mortgage products. Some mortgage advisers will charge a fee depending on the complexity of the case, but others can still operate on a slim profit margin as a result of their ability to rid themselves of offices and staff and take on the reduced work load previously carried out by an army of staff during the times of plenty.

Most mortgage quotes can now be obtained at the press of a mortgage brokers keyboard button, once the borrowers details have been input, and the results emailed electronically for the client to study. Often there is more than one lenders product that the borrower qualifies for, but in some circumstances there choice can come down to one obscure lender only, and without the brokers help the borrower would be unlikely to stumble across it. Some of the most amazing mortgage lending decisions have been made simply by knowing how to interpret the lenders requirements from the questions on the application form. A miss interpretation of a lenders question can result in a refusal when the borrower was a perfect candidate but didn’t understand the question or understood it but put the information down incorrectly. Many refusals from lenders have been reversed once a broker reapplies for the borrower and acts as the intermediary, using his knowledge of the lenders language to present the facts in the best light.

Hopefully when the financial crisis that is icing up the lending machine melts and the money starts to flow again, the mortgage advisers will reappear out of the wood work and start up again, and the frustrated borrowers can buy a home of their own. In the meantime its a case of a lot of borrowers chasing a little available money, and the banks restructuring their lending books so they have fewer toxic assets and more credit worthy clients.

Mortgage advice can be provided by qualified mortgage brokers to enquiries coming from the following towns, arranged in alphabetical order

A

Abingdon, Accrington, Acle, Acton, Adlington, Alcester, Aldeburgh, Aldershot, Alford, Alfreton, Alnwick, Alsager, Alston, Alton, Altrincham, Amble, Ambleside, Amersham, Amesbury, Ampthill, Andover, Appleby-in-Westmorland, Arlesey, Arundel, Ashbourne, Ashburton, Ashby-de-la-Zouch, Ashby Woulds, Ashford, Ashington, Ashton-under-Lyne, Askern, Aspatria, Atherstone, Attleborough, Axbridge, Axminster, Aylesbury, Aylsham

B

Bacup, Bakewell, Banbury, Barking, Barnard Castle, Barnes, Barnet, Barnoldswick, Barnsley, Barnstaple, Barrow-in-Furness, Barton-upon-Humber, Basingstoke, Batley, Battle, Bawtry, Beaconsfield, Beaminster, Bebington, Beccles, Beckenham, Bedale, Bedford, Bedworth, Belper, Bentham, Berkeley, Berkhamsted, Berwick-upon-Tweed, Beverley, Bewdley, Bexhill-on-Sea, Bexley, Bicester, Biddulph, Bideford, Biggleswade, Billericay, Billingham, Bilston, Bingham, Bingley, Birchwood, Birkenhead, Bishop Auckland, Bishop’s Castle, Bishop’s Stortford, Bishop’s Waltham, Blackburn, Blackpool, Blackrod, Blackwater and Hawley, Blandford Forum, Bletchley and Fenny Stratford, Blyth, Bodmin, Bognor Regis, Bollington, Bolsover, Bolton, Bootle, Boroughbridge, Boston, Bottesford, Bourne, Bournemouth, Bovey Tracey, Brackley, Bradford-on-Avon, Brading, Bradley Stoke, Bradninch, Braintree, Brampton, Brandon, Braunstone Town, Brentford, Brentwood, Bridgnorth, Bridgwater, Bridlington, Bridport, Brierfield, Brierley, Brigg, Brighouse, Brightlingsea, Brixham, Broadstairs and St Peter’s, Bromborough, Bromley, Bromsgrove, Bromyard and Winslow, Broseley, Broughton, Broughton-in-Furness, Bruton, Buckfastleigh, Buckingham, Bude-Stratton, Budleigh Salterton, Bulwell, Bungay, Buntingford, Burford, Burgess Hill, Burgh-le-Marsh, Burnham-on-Crouch, Burnham-on-Sea and Highbridge, Burnley, Burntwood, Burton Latimer, Burton upon Trent, Bury, Bury St Edmunds, Bushey, Buxton

C

Caistor, Callington, Calne, Camborne, Camelford, Cannock, Canvey Island, Carnforth, Carlton Colville, Carterton, Castle Cary, Castleford, Chagford, Chapel-en-le-Frith, Chard, Charlbury, Chatham, Chatteris, Cheadle, Chelmsford, Cheltenham, Chertsey, Chesham, Cheshunt, Chesterfield, Chester-le-Street, Chickerell, Chingford, Chippenham, Chipping Campden, Chipping Norton, Chipping Sodbury, Chorley, Chorleywood, Christchurch, Chudleigh, Chulmleigh, Church Stretton, Cinderford, Cirencester, Clare, Clay Cross, Cleator Moor, Cleethorpes, Cleobury Mortimer, Clevedon, Clitheroe, Clun, Cockermouth, Coggeshall, Colburn, Colchester, Coleford, Coleshill, Colne, Colyton, Congleton, Conisbrough, Corbridge, Corby, Corringham, Corsham, Cotgrave, Cowes, Cramlington, Cranbrook, Craven Arms, Crawley, Crediton, Crewe, Crewkerne, Cricklade, Cromer, Crosby, Crowborough, Croydon, Crowland, Crowle, Cullompton

D

Dagenham, Dalton Town with Newton, Darley Dale, Darlington, Dartford, Dartmouth, Darwen, Daventry, Dawlish, Deal, Dereham, Desborough, Devizes, Dewsbury, Didcot, Dinnington St John’s, Diss, Doncaster, Dorchester, Dorking, Dover, Dovercourt, Downham Market, Driffield, Droitwich Spa, Dronfield, Dudley, Dukinfield, Dulverton, Dunstable, Dunwich, Dursley,

E

Ealing, Earl Shilton, Earley, Easingwold, East Cowes, East Grinstead, East Ham, Eastbourne, Eastleigh, East Retford, Eastwood, Eccles, Eccleshall, Edenbridge, Edgware, Edmonton, Egremont, Elland, Ellesmere, Ellesmere Port, Elstree and Borehamwood, Emsworth, Enfield, Epping, Epworth, Erith, Eton, Evesham, Exmouth, Eye

F

Fairford, Fakenham, Falmouth, Fareham, Faringdon, Farnham, Faversham, Fazeley, Featherstone, Felixstowe, Ferndown, Ferryhill, Filey, Filton, Finchley, Fleet, Fleetwood, Flitwick, Folkestone, Fordbridge, Fordingbridge, Fordwich, Fowey, Framlingham, Frinton and Walton, Frodsham, Frome

G

Gainsborough, Garstang, Gateshead, Gillingham, Gillingham, Glastonbury, Glossop, Godalming, Godmanchester, Goole, Gorleston, Gosport, Grange-over-Sands, Grantham, Gravesend, Grays, Great Dunmow, Great Torrington, Great Yarmouth, Greater Willington, Grimsby, Guildford, Guisborough

H

Hadleigh, Hailsham, Halesowen, Halesworth, Halifax, Halstead, Haltwhistle, Redenhall with Harleston, Harlow, Harpenden, Harrogate, Harrow, Hartland, Hartlepool, Harwich, Harworth and Bircotes, Haslemere, Haslingden, Hastings, Hatfield, Hatherleigh, Havant, Haverhill, Haxby, Hayle, Haywards Heath, Heanor and Loscoe, Heathfield, Hebden Royd, Hedge End, Hednesford, Hedon, Helmsley, Helston, Hemel Hempstead, Hemsworth, Hendon, Henley-in-Arden, Henley-on-Thames, Hertford, Hessle, Hetton, Hexham, Heywood, Higham Ferrers, Highworth, High Wycombe, Hinckley, Hingham, Hitchin, Hoddesdon, Holbeach, Holsworthy, Holt, Honiton, Horley, Horncastle, Hornsea, Hornsey, Horsforth, Horwich, Houghton Regis, Howden, Huddersfield, Hungerford, Hunstanton, Huntingdon, Hyde, Hythe

I

Ilford, Ilfracombe, Ilkeston, Ilkley, Ilminster, Immingham, Ingleby Barwick, Ipswich, Irthlingborough, Ivybridge

J

Jarrow

K

Keighley, Kempston, Kendal, Kenilworth, Kesgrave, Keswick, Kettering, Keynsham, Kidderminster, Kidsgrove, Kimberley, Kingsbridge, King’s Lynn, Kingston-upon-Thames, Kington, Kirkby-in-Ashfield, Kirkby Lonsdale, Kirkby Stephen, Kirkbymoorside, Kirkham, Kirton-in-Lindsey, Knaresborough, Knutsford

L

Langport, Launceston, Leatherhead, Lechlade, Ledbury, Leek, Leigh, Leighton-Linslade, Leigh-on-Sea, Leiston, Leominster, Letchworth, Lewes, Leyburn, Leyton, Liskeard, Littlehampton, Loddon, Loftus, Long Sutton, Longridge, Longtown, Looe, Lostwithiel, Loughborough, Loughton, Louth, Lowestoft, Ludgershall, Ludlow, Luton, Lutterworth, Lydd, Lydney, Lyme Regis, Lynton and Lynmouth, Lytham St Annes

M

Mablethorpe and Sutton, Macclesfield, Madeley, Maghull, Maidenhead, Maidstone, Maldon, Malmesbury, Maltby, Malton, Malvern, Manningtree, Mansfield, Marazion, March, Margate, Market Bosworth, Market Deeping, Market Drayton, Market Harborough, Market Rasen, Market Weighton, Marlborough, Marlow, Maryport, Masham, Matlock, Medlar with Wesham, Melksham, Meltham, Melton Mowbray, Mere, Middleham, Middlesbrough, Middleton, Middlewich, Midhurst, Midsomer Norton, Mildenhall, Millom, Minchinhampton, Minehead, Minster, Mirfield, Mitcham, Mitcheldean, Morecambe, Moretonhampstead, Moreton-in-Marsh, Morley, Morpeth, Mossley, Much Wenlock

N

Nailsea, Nailsworth, Nantwich, Needham Market, Nelson, Neston, New Alresford, New Mills, New Milton, New Romney, Newark-on-Trent, Newbiggin-by-the-Sea, Newbury, Newcastle-under-Lyme, Newent, Newhaven, Newlyn, Newmarket, Newport, Newport, Newport Pagnell, Newquay, Newton Abbot, Newton-le-Willows, Normanton, North Hykeham, North Petherton, North Tawton, North Walsham, Northallerton, Northam, Northampton, Northfleet, Northleach with Eastington, Northwich, Norton-on-Derwent, Norton Radstock, Nuneaton

O

Oakengates, Oakham, Okehampton, Oldbury, Oldham, Ollerton and Boughton, Olney, Ongar, Orford, Ormskirk, Ossett, Oswestry, Otley, Ottery St Mary, Oundle

P

Paddock Wood, Padiham, Padstow, Paignton, Painswick, Partington, Patchway, Pateley Bridge, Peacehaven, Penistone, Penkridge, Penrith, Penryn, Penwortham , Penzance, Pershore, Peterlee, Petersfield, Petworth, Pickering, Pocklington, Polegate, Pontefract, Ponteland, Poole, Porthleven, Portishead and North Weston, Portland, Potton, Poynton-with-Worth, Preesall, Prescot, Princes Risborough, Prudhoe, Pudsey

Q

Queenborough-in-Sheppey

R

Ramsey, Ramsgate, Raunds, Rawtenstall, Rayleigh, Reading, Redcar, Redruth, Reepham, Reigate, Richmond, Richmond, Ringwood, Ripley, Ripon, Rochdale, Rochester, Rochford, Romford, Romsey, Ross-on-Wye, Rothbury, Rotherham, Rothwell, Rothwell, Rowley Regis, Royal Leamington Spa, Royal Tunbridge Wells, Royal Wootton Bassett, Royston, Rugby, Rugeley, Rushden, Ryde, Rye

S

Saffron Walden, St Austell, St Blaise, St Columb Major, St Helens, St Ives, St Ives, St Just-in-Penwith, St Mawes, St Neots, Salcombe, Sale, Saltash, Sandbach, Sandhurst, Sandiacre, Sandown, Sandwich, Sandy, Sawbridgeworth, Saxmundham, Scarborough, Scunthorpe, Seaford, Seaham, Seaton, Sedbergh, Selby, Selsey, Settle, Sevenoaks, Shaftesbury, Shanklin, Shefford, Shepshed, Shepton Mallet, Sherborne, Sheringham, Shifnal, Shildon, Shipston-on-Stour, Shirebrook, Shoreham-by-Sea, Shrewsbury, Sidmouth, Silloth, Silsden, Skegness, Skelmersdale, Skelton-in-Cleveland, Skipton, Sleaford, Slough, Smethwick, Snaith and Cowick, Snodland, Soham, Solihull, Somerton, South Cave, South Elmsall, South Kirkby and Moorthorpe, South Molton, South Petherton, South Shields, South Woodham Ferrers, Southam, Southall, Southborough, Southend-on-Sea, Southgate, Southminster, Southport, Southsea, Southwell, Southwick, Southwold, Spalding, Spennymoor, Spilsby, Stafford, Staines-upon-Thames, Stainforth, Stalbridge, Stalham, Stalybridge, Stamford, Stanley, Stanhope, Stapleford, Staveley, Stevenage, Steyning, St Mary Cray, Stockport, Stocksbridge, Stockton-on-Tees, Stone, Stonehouse, Stony Stratford, Stotfold, Stourbridge, Stourport-on-Severn, Stowmarket, Stow-on-the-Wold, Stratford-upon-Avon, Stretford, Strood, Stroud, Sturminster Newton, Sudbury, Surbiton, Sutton Coldfield, Swaffham, Swanage, Swanley, Swanscombe and Greenhithe, Swindon, Syston

T

Tadcaster, Tadley, Tamworth, Taunton, Tavistock, Teignmouth, Telscombe, Tenbury Wells, Tenterden, Tetbury, Tewkesbury, Thame, Thatcham, Thaxted, Thetford, Thirsk, Thornaby-on-Tees, Thornbury, Thorne, Thorpe St Andrew, Thrapston, Tickhill, Tidworth, Tipton, Tisbury, Tiverton, Todmorden, Tonbridge, Topsham, Torpoint, Torquay, Totnes, Tottenham, Totton and Eling, Tow Law, Towcester, Tring, Trowbridge, Twickenham, Tynemouth

U

Uckfield, Ulverston, Uppingham, Upton-upon-Severn, Uttoxeter, Uxbridge

V

Ventnor, Verwood

W

Wadebridge, Wadhurst, Wainfleet All Saints, Wallasey, Wallsend, Wallingford, Walsall, Waltham Abbey, Waltham Cross, Walthamstow, Walton-on-Thames, Wantage, Ware, Wareham, Warminster, Warrington, Warwick, Watchet, Watford, Wath-upon-Dearne, Watlington, Watton, Wellingborough, Wellington, Wellington, Wells-next-the-Sea, Wem, Wembley, Wendover, West Bedlington, West Bromwich, West Ham, West Malling, West Mersea, West Tilbury, Westbury, Westerham, Westhoughton, Weston-super-Mare, Wetherby, Weybridge, Weymouth, Whaley Bridge, Whitby, Whitchurch, Whitchurch, Whitehaven, Whitehill, Whitnash, Whittlesey, Whitworth, Wickham, Wickwar, Widnes, Wigan, Wigton, Willenhall, Willesden, Wilton, Wimbledon, Wimborne Minster, Wincanton, Winchcombe, Winchelsea, Windermere, Windsor, Winsford, Winslow, Winterton, Wirksworth, Wisbech, Witham, Withernsea, Witney, Wiveliscombe, Wivenhoe, Woburn, Woburn Sands, Woking, Wokingham, Wolsingham, Wolverton and Greenleys, Wood Green, Woodbridge, Woodley, Woodstock, Wooler, Workington, Worksop, Worthing, Wotton-under-Edge, Wragby, Wymondham

Y

Yarm, Yarmouth, Yate, Yateley, Yeovilk

 

 

Government Backed Mortgages

Government Backed Mortgages

The British Government is launching a revolutionary scheme to unstick the stagnant UK housing market. It intends to underwrite first time buyer mortgages so that they can access the housing market with as little as a 5% deposit.

The scheme is coming under heavy criticism from some quarters, however the majority of UK mortgage lenders have signed up to the new deal. It also means that the British taxpayer is funding the project should the borrowers default. Many banks and building societies currently insist that first-time buyers put down a deposit of 20 percent of the value of their prospective property. However, the Government will now underwrite loans worth up to 95 percent of a property’s value. Housebuilders will also have to pay about three percent of the value of the new property into a fund to help cover the scheme’s liabilities.

The aim is that around 450,000 new homes will be built by 2015. To speed things up, the government is planning to back several building projects that have already begun – called “shovel-ready” projects – but have been put on hold due to funds drying up. At the same time, empty properties will be brought back into residential use and social housing tenants will be able to buy their homes for up to 50 per cent of the market price, with the money raised being spent on creating even more affordable housing.

Offset Mortgage Calculator

Offset Mortgage Calculator

An offset mortgage calculator is a very handy tool to see in a visual format how effective offset mortgages can be at saving you thousands of pounds in mortgage interest over the shortened life of the mortgage.

An easy to use one can be found here:

http://www.rbs.co.uk/microsites/calculators/offset/default.asp

and quotes for different offset mortgage lenders can be accessed at the link in red below:

http://www.mortgagearrangers.co.uk/offset_mortgage/offset_mortgages.html

 

 

 

 

Offset Mortgage Quotes and Advice

 Offset Mortgages Quotes and Advice

 

“An offset is one of the most hard-working but under utilised products in the mortgage market.”

A quote from a leading mortgage journalist.

It works by offsetting any money you hold in a linked current bank savings account against the mortgage balance before the monthly mortgage interest payments are calculated. This means you pay less mortgage interest each month and because you gain no interest on the savings in the  bank account you also pay no tax on the on the savings.

Its a very tax efficient way of combining mortgage and savings accounts.

For it to work effectively, it is generally accepted that the amount of savings you use to offset must be “significant”

Best to get a free quote and see the benefits for yourself.

Click to get a quote for an offset mortgage

Mortgages with an offset facility attached – Yorkshire Building Society, Leeds Building Society, First Direct, Scottish Widows, Norwich and Peterborough Building Society, Woowich, Market Harborough,

It may be easier to use a broker (click above) to get all the quotes in a single format that makes it simple to compare them.

A good offset mortgage calculator can be found here:

http://www.rbs.co.uk/microsites/calculators/offset/default.asp

Liability Insurance For Ex Offenders with Previous Convictions or Criminal Record

Liability Insurance for Ex Offenders with Criminal record or Previous Convictions

Getting public, professional or employers liability insurance when ex offenders previous convictions have to be revealed can be a difficult task and one where a specialist can be of tremendous use.

Clicking the logo on the left will give an instant quote for public liability insurance or enable a call back from a specialist who has many years experience in obtaining insurance cover for difficult cases.