UK Resident Doctors and Dentists - 7 Tax Saving Tips for the Next 12 Months by Ray Prince
Well, here we are again. The start of a new tax year is upon us, bringing with it many opportunities to save tax (legally) and keep as much of your money in your hands, and away from Gordon Brown's. The budget was a bit of a damp squib, so let's look at some of the best ways to save tax! ... If you have, or are considering buying life cover, you can now get tax relief on your contributions. ... So, instead of paying £100 pm for protection, you may be able to get the same level of cover for £60 pm.

What is an Unsecured Loan? by John Mussi
An unsecured loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500... This is because they have no guarantee that you can repay the loan, and therefore charge you more in interest to cover the cost of insurance policies that they need to take out to protect them should you default on repayments.

Time Limits for Making Mortgage Endowment Complaints in the UK by Martin Nolan
There is much discussion in the financial sector regarding the endowment mortgage misselling scandal that has affected up to 8.5 million policyholders in the UK. Endowments policies were sold heavily in the UK during the 80’s and 90’s as a cheap yet secure method of repaying your mortgage debt. ... In addition to this you also had the benefit of life insurance covering the full target amount payable upon death. ... Endowment providers (the large banks, building societies and insurance companies) must now send warning letters advising the customer of a possible shortfall.

Endowments and Endowment Shortfalls - What You Need To Know by David Miles
Endowments and endowment mortgages have received a lot of bad press in recent years, amid concerns over falling policy values and accusations of endowment miss-selling. This article attempts to answer some of the questions and concerns you may have about the way endowments work, what's happening... If you do this, you will need to make sure you still have sufficient life cover to protect your mortgage. ... Firstly, the insurance company may add a bonus to your policy each year. ... If the policyholder dies during the life of the endowment, it pays out the sum assured.

Unsecured Home Improvement Loans Make Your Home a Better Place to Live by Pamella Scott
In the present era, a home is not just a place where you live together with your family. It has become more of a status symbol that reflects your lifestyle. Every one competes to make his home look better than others. However, lack of funds must be pulling you back in this race. ... A lender by charging a high interest rate intends to cover the cost of insurance policies that they need to take out to protect them in case borrower fails to repay the loan amount. ... A credit score of 680 and above is considered a good score.

Glossary of Common Terms Used During the Mortgage Process by Michael Challiner
APR - This stands for Annual Percentage Rate. It enables you to compare the full cost of the mortgage. Rather than just being an interest rate, it includes up front and ongoing costs of taking out a mortgage. The formula for calculating APR is set by Government Regulations and therefore... Life Insurance - This can also be called Term Insurance or, when specifically linked to proprty purchase, as Mortgage Protection Insurance. ... There are a number of variants such as Level Term Life Insurance and Decreasing Term Life Insurance.

One Stop Shop for Buy to Let by Jennifer Tweed
As the buy to let market continues to go from strength to strength, a unique selling opportunity has been created for landlords looking to dispose of both residential and commercial buy to let property with the ability for transactions to take place directly between landlords. ... Learn how to secure the best buy to let mortgage products and source the most competitive furniture and insurance products for your investment property. ... It may be to try an investment in another area. ... Perhaps to raise capital for other investments.

5 Steps to Successful Property Investment by Timothy Wright
When looking to invest in property it’s always important to take a structured approach to ensure you get only what you are looking for. Over the years I’ve developed the following structure and I’ll always stick to it so that I know I have done all the homework necessary to make a sound... Insurance policies can cover you for loss in the case of structural damage, theft, flooding and many other instances. ... Landlord insurance policies are also available for extra cover of instances such as malicious damage, legal fees, loss of rent etc.

Get The Finance You Need With UK Secured Homeowner Loan by Andrew Baker
Not every-one of us is born with a silver spoon in his mouth. Most of us live life as it comes. Our hard earned money provides us with the basic necessities and indulgences. Generally, we manage things with our finances but sometimes an emergency or once-in-a-lifetime opportunity sticks out its... It provides a cover up to loans of value £ 25,000. ... Various types of insurance schemes are available from different lenders, which accompany the secured homeowner loan. ... The lenders will use credit reference agencies to assess your creditworthiness.

Handling Mortgage Arrears by Geoff Hibbert
I have listed below some of the best ways you can cope with mortgage arrears and threatened repossession. Do not forget to get proffessional advice if you are experiencing problems. As every persons circumstances are different this guide should not be read as a be all and end all. ... Occasionally such policies do not cover the whole of the outstanding mortgage so that if the property is repossessed, sold and the plan cashed in you may still owe the lender money if there is a balance outstanding.