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

If House Prices Drop Another 40% – Who’s at risk of Negative Equity?

Find in Mortgages June 27th, 2009 - 14,249 views

Negative equity is already playing it’s part in stifling the property market and it is set to make matters worse. If prices do drop by another 40% (according to MoneyWeek) or more, over the next few years the number of people finding themselves in negative equity is likely to increase substantially. The actual number of homeowners facing the […]

What’s your Loan to Value? – Take the survey.

Find in Mortgages June 27th, 2009 - 7,954 views

A recent report from the Bank of England has made it into the press suggesting figures for the number of UK homeowners in a negative equity situation. The report used information from a 2008 survey of just 1000 people and may therefore be misleading. To take part in this totally anonymous survey simply select the answer that reflects your […]

Payday Loans – Friend or Foe?

Find in Loans June 24th, 2009 - 8,261 views

I run a personal finance website and on this site I have affiliate programs and also direct access enquiry forms. An affiliate program allows me to display links to other websites and earn commission when someone clicks or applies. Like this: Virgin Credit Card – 0% for 16 months 2.98% fee (typical 16.6% APR) The […]

Is It Time to Fix Your Mortgage for the Next 10 Years?

Find in Mortgages June 15th, 2009 - 5,567 views

The dilemma of whether or not to get a long term fixed rate mortgage and ‘ride out the storm’ of impending inflation and interest rate rises or go for a cheap deal now and save in the short term…. It’s a matter of timing. http://www.creditmarket.co.uk/news/mortgages/long-term-fixed-rate-mortgages-10-year-5-year-deals-attract-interest.htm

The Recession is Over!

Find in General June 11th, 2009 - 6,345 views

‘The recession is over, according to one of the nation’s most respected economic think-tanks.’ http://www.independent.co.uk/news/business/news/analysts-the-recession-has-ended-1702147.html Phew! Thank goodness for that! And there was everyone thinking it was going to be deep, nasty and a long slow recovery! The first paragraph of the Independent story reads: ‘The UK’s surprising resilience is confirmed by the National Institute […]

House Prices Could Drop by 50% – But I’m not Convinced.

Find in General June 9th, 2009 - 10,828 views

There are varying predictions about the direction house prices will go in the coming months and years. Predictions range from up by 25% over the next 5 years (according to the National Housing Federation) to down 50% by 2011 (according to Houepricecrash.co.uk) It’s possible to approximate the anticipated extent of the house price crash by […]

Sky Box Warranty & Digital Services UK

Find in Household Bills & Expenses June 8th, 2009 - 22,661 views

I had a call from a company recently because my Sky TV 12 month warranty was due for renewal. The call wasn’t from Sky but a 3rd party company offering ‘repair or replace’ cover for the Sky equipment. I listened to the call and absorbed the information and by the end of the call I […]

BT Call Plan Offers with 0845 Numbers

Find in Business Costs, Household Bills & Expenses June 3rd, 2009 - 13,427 views

The heading of this post may lead you to think it will be about the various offers and deals available from BT. But it’s not. It’s about one particular offer seemingly available on BT’s own online Terms and Conditions but peculiarly unobtainable. BT have a great call plan offer, don’t get me wrong I think […]

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