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1). Credit And Store Cards Where once the choice of credit card in the UK was extremely limited, now there is a plethora of companies bombarding everyone with promises of low interest rates, balance transfers and cards which are a status symbol for the holder. In addition to this, most of the High Street stores now offer their own store cards, giving you credit to spend in t... 2). Do You Have To Have A Mortgage To Buy A Home? Buying a house is almost certainly the most expensive purchase you will ever have to make. Finding or saving the funds to buy your first home and get your foot on to the property ladder used to be almost impossible without taking out a mortgage to lend you the required funds. Although most people still don’t have access to the amount o... 3). It May Not Be Too Late To Avoid Bankruptcy Bankruptcy used to be seen as the absolute final straw if you were in financial difficulty. People would do everything in their power to avoid having to go down this route for many reasons – the fact it is a long, difficult and upsetting process for one and the social implications brought about by being declared bankrupt for two. As cr... 4). Secured Loans In The UK There are many reasons why a homeowner may decide they need to borrow money against the value of their home. Some possible reasons could include covering the cost of home repair or improvement, taking a holiday or to pay for a child’s university education. However, often people may decide to take out a loan to consolidate all of their existing debt... 5). Student Loans In The UK For many students in the UK their only option is to fund their studies with student loans. A company has been set up specifically for this reason and is logically called the Student Loan Company. Now that students do not get grants and have to pay their own tuition fees, a change which has only happened in the past few years, most stu... 6). The Two Basic Types Of UK Mortgage In the United Kingdom there are two main mortgages that people choose between when purchasing their home. Other options are available but for the large majority of people, it is one of either the fixed-rate mortgage or the adjustable-rate mortgage which is best suited to their requirements. The fixed-rate mortgage is the most simple of... 7). What Is A Building Society? Throughout the UK you can find branches of large, multinational banks on almost every High Street. These banks are well known, well recognised and generally well understood. Alongside them, though, you will often find a Building Society. Traditionally, these only offer their services to people who live within a local catchment area and the societie... 8). What To Remember When Taking Out A Loan If you find yourself in a position where you need to buy an item which is substantially out of your price range but is essential to you, such as a new car if you use it to go travel 20 miles to work every day and your old one has just given up the ghost, you may consider taking a loan. Loans are also great for expensive things like home repairs or ... 9). What You Need To Know About Your Credit Rating Every time you apply for a credit card, loan, finance or a mortgage your credit history will be checked. This gives the lender information from which they decide whether they feel you are likely to make your repayments and so whether or not to provide you with the funds you have requested. There are many ways in which you can have inadvertently dam... 10). Who Do You Go To For Your Mortgage? Mortgages are available from a number of different sources. There are specific mortgage brokers as well as banks, building societies and other financial institutions, all fighting to get your custom. This is because they make money out of it and so they all want you to sign up with them. It is now common to see advertisements for companies who want...