With so much interest rate uncertainty in the market borrowers are facing a dilemma as to whether they should fix their home loan interest rate or not by applying for a fixed rate mortgage. A fixed rate mortgage will provide absolute security against interest rate rises ensuring that monthly repayments remain constant regardless of what the money market is doing.The interest rate, and therefore the interest payments, on the fixed rate product...more
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Variable rate mortgages have an interest rate that may fluctuate throughout the term of the loan. Interest rates attached to variable rate mortgages usually move in line with either the Bank of England Base Rate (BoEBR) or the lender's Standard Variable Rate (SVR) and is quoted as a fixed percentage above one of them. An example of this is a variable rate home loan with an interest rate equalling BoEBR plus 0.25%.Fixed rate mortgages, on the other hand, have a static rate of interest that is locked in for an agreed period of time. Changes in the base rate or the lenders SVR will not affect the interest rate attached to this type of home loan making this type of product less risky to the borrower as their monthly mortgage payments will not increase.There are several different types of variable rate mortgage products including tracker rates, discount rates, and capped rates. Tracker rate mortgages and discount rate products have no upper or lower limit and therefore offer the borrower no protection against excessive interest rate rises. They also, however, offer the borrower the potential for substantial decreases in the interest rate attached to the variable rate home loan helping...more
Discount mortgages are a type of mortgage product that have a variable interest rate which moves roughly in line with the lender's Standard Variable Rate (SVR). The discounted interest rates attached to this type of home loan product are genuine and will normally apply for a set period of between one to five years. The discounted interest rate is...more
The quickest debt consolidation loan is for anyone with debt who is looking to liquidate their current debt as soon as possible. This might be someone who is in danger of losing their home to foreclosure, or someone who is facing the threat of repossession of their property. It could also just be someone looking to get their credit back so that...more
When deciding on quick debt consolidation loans it is best to know what you are looking for. You will want to make sure that you have figured out how much debt you would like to consolidate and what type of collateral you plan to use to get the best deals on the loans. The whole point of these loans is to get the money you need fast and easy. The more prepared you are the better off you will be and the quicker you will get your debt consolidation loan. What you will need to have for the application process can vary lender to lender as well as with lender type. Quick debt consolidation loans can be very hard or easy to apply for depending on where you choose to go. You can expect to need more information and a longer process when applying with more traditional large and small lenders. You will find yourself filing a lot of paper work and possibly paying huge fees for it and not even be guaranteed a loan from any lender you apply to. Online lenders have smaller applications. These applications require only the most critical information such as your employment, banking, and collateral information. Once you have filled it out it only takes seconds to submit applications online. Quick...more
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One of the easiest ways to fix your financial woes is by taking out a quick debt consolidation loan. You can find them virtually anywhere online these days and the entire process from start to finish can be as short as a few hours. This makes them...more
With millions of people today finding the cost of living and keeping things balanced hard, is it not nice to know that there is relief available today through an online debt consolidation loan? It is very easy for people to get caught up in the...more
Low rate consolidation loans can help reduce your stress and stop the harassing phone calls. Being in debt can create a lot of stress and sleepless nights. When creditors are constantly calling your home, it is hard to know when it is safe to pick up...more
A low rate debt consolidation loan is a loan that allows you pay off all your creditors at once. It offers the convenience of knowing your debts are paid, paying only one bill each month, as well as paying less interest on your debt. With this type...more
There are many ways to get low interest debt consolidation loans. The first thing you will want to concern yourself with is to check out your credit score. The better your credit rating the more offers and likelihood of approval. You will always want...more