A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.



Get Half Your Deposit Back on a Buy to Let <- click to read


Find in Mortgages August 20th, 2010 - 161 views

If you are:
1/ An experienced landlord
2/ Can afford a 30% deposit
3/ Want to buy a Buy-to-Let property that needs some work
Then it may be possible to get over half the deposit back once a bit of redecorating work has been done as well as recoup some of the cost of the redecorating.
There is a mortgage product available known [...]

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Sky Upgrade Letter <- click to read


Find in Household Bills & Expenses July 28th, 2010 - 289 views

I had a letter from Sky the other day which told me that I’d gone over my broadband usage allowance for the second time in 6 months so they had automatically upgraded me to ‘Sky Broadband Unlimited’
The letter then went on to say this new service should be more suited to my needs, I can [...]

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Beware the Knotweed <- click to read


Find in Mortgages July 22nd, 2010 - 363 views

There has been some news about this in the past but I have now experienced the affects of Japanese Knotweed on a mortgage application first hand so I can now add to the melting pot.
My client had found a house they wanted, we put their application in, the mortgage lender contracted a surveyor to value [...]

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Life Insurance Provides Diet Incentive <- click to read


Find in Insurance July 21st, 2010 - 214 views

I could sum up the rest of this article in one paragraph but to make the post a bit more fulfilling I feel as though I ought to pad it out a bit like a real news article.
There are three types of people in the world;
i) those who see life insurance as a vital part [...]

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How Do MBNA Fund All the 0% Offers <- click to read


Find in Credit Cards June 25th, 2010 - 430 views

How do credit card companies manage to offer 0% interest rates?
I haven’t spoken to any credit card companies about this so this is purely speculative but I would imagine they borrow funds at a set interest rate for a set term. They then take on new customers at 0% in the knowledge that some of those [...]

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Considering a Recession Proof Career? <- click to read


Find in General June 16th, 2010 - 746 views

Unemployment is still rising and currently stands at 2.47 Million or 7.9% of the working population. In the last quarter another 23,000 people found themselves out of work.
Many have been out of work for months already and are still struggling to find a steady source of income and the indication is that things are going to [...]

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Falling into a ready made company <- click to read


Find in Business Costs June 8th, 2010 - 295 views

Every now and again bloggers can be found using the internet for their own personal gain. And why not. The internet is massive, the marketing potential is huge and the target audience is sometimes ready made and although the internet is really about information there is no doubt it’s also a great money spinner.
Therefore, having [...]

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Mortgages for Millionaires <- click to read


Find in Mortgages May 29th, 2010 - 474 views

Now a millionaire doesn’t necessarily have to have £1 million in the bank. It’s possible to be considered a millionaire if you own assets like a house/yacht/racehorse that are worth a million or so.
Owning a house worth £1 million or more with a mortgage of £750,000 doesn’t technically make you a millionaire until the mortgage [...]

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Tribute Paid to Cash Machine Inventor John Shepherd-Barron <- click to read


Find in Banking May 20th, 2010 - 432 views

This is an article I’ve been sent so apologies if you’ve read it somewhere else.
There is no doubt the cash machine has had a massive impact on the way we access and ultimately spend cash across the world and so respect is most definitely due.
‘Tribute Paid to Cash Machine Inventor’ – Good one! Wish I’d [...]

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Currently on the Lips, it’s Over for the HIPs! <- click to read


Find in Mortgages May 20th, 2010 - 499 views

……..and, they’re gone. HIPs are no longer required when selling a house.
Did they make much difference while they were around? It’s possible a number of houses remain unsold due to a poor energy rating (although the hole in the roof was obvious) and they will stay that way because Energy Performance Certificates are still required.
EPC’s were [...]

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Any information shared on UKMoneyPot does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser.