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Gemma Louise's Articles

  • Life insurance – what price privacy?
    Insurance companies are trying to push back the boundaries on private information to which they believe they should have free access.
  • Endowment policy – careful cancellation essential
    You may be better off keeping your endowment policy. If you want to sell, get expert help to ensure the best price.
  • Incautious borrowing
    Debt is climbing in the UK at an alarming rate. Before you enter into a loan agreement make sure that you have complete information, to ensure a pain free exit if the need arises.
  • Find a great remortgage deal
    Could you be paying over the odds for your mortgage? Maybe you’re not aware of the fact that there may be better deals around? For most people, there are big savings, check them out.
  • Mortgages - Ad infinitum
    The Japanese do it. The Swiss do it. Now it’s the turn of the UK. Find out more about the inter-generational mortgage.
  • Mortgages. Pay back over 40 years.
    In the face of increasing house prices, mortgage lenders are offering longer mortgage terms. But at what cost?
  • Critical criticism
    Critical illness insurance claims are only successful in about 80% of cases. Read on to find out why……
  • Life Insurance – when you are gone
    You aren’t here for ever, so get that life insurance dealt with before it is too late. Your heirs deserve your consideration.
  • Credit scores explained
    Don’t rely on one off internet sites to recover your credit history, instead, just understand how your credit ratings work. It’s especially important when you apply for a loan.
  • Life Insurance - Smoke signals
    If you’re an ex-smoker or in the process of giving up, there’s some encouraging news for you. Lowered life insurance premiums and better health are there for the taking.
  • Life Insurance – When Only The Best Will Do!
    Good life insurance can protect your dependents should you die. Here we discuss how to find the perfect policy – and get a great deal too!
  • Heavy drinking can increase life insurance costs.
    The rate of binge drinking in the UK is still rising, so does that mean more people are going to have trouble getting reasonable premiums for Life Insurance?
  • Smoking – more expensive than you think?
    Looking for extra income? A pound saved is a pound earned, and with reduced insurance costs you can save much more than that if you can stop smoking.
  • A stake in the future for older people.
    A more secure future could be on the cards for older generations if a small change in the rules for selling insurance goes ahead.
  • First mortgage – steps to saving
    The all-important first step on the property ladder can be hard to achieve. Here are some suggestions to help you make it.
  • Mortgage Outfits Challenged On Exit Fees
    Getting out of a mortgage can be a costly business because of exorbitant exit fees. But exit fees could soon be brought under control if the Financial Services Authority has its way.
  • Buy to Let Mortgages. Landlords face new Rules.
    A buy to let mortgages may become a more viable option for larger properties as a result of the new regulations affecting properties in multiple occupation. This article explains.
  • Headline rates are not everything
    Headline interest rates don’t necessarily add up to the cheapest mortgage. It’s the way the calculations are made that makes the difference.
  • Watch that mortgage
    Interest rates stay the same, but watch this space regarding rising mortgage payments.
  • Mortgages – Buy to Let a wise bet
    The purchase of a property to let can offer benefits in two ways. There’s the income from letting, added to the investment growth in the property. Lots more private individuals are taking on the role of landlord. Find out more.
  • Foreign Mortgages - New Horizons?
    More and more people are investing in foreign property. Local regulations and practices are different in every country. Make sure you get the right advice.
  • Mortgages - Home Condition Reports will not be mandatory
    The much-publicised Home Condition Report will not be a mandatory part of the Home Information Packs – this article explains.
  • Your mortgage – time to switch?
    Switching to a cheaper mortgage deal can save you money. Re-mortgaging has never been easier and lenders are coming up some tempting offers. Here we consider the possibilities.
  • Re-mortgages – get up to date
    Off with the old and on with the new. Re-mortgaging is simple and there are a whole lot of choices out there. Find out more.
  • Re-mortgaging cuts costs
    Re-mortgaging is getting more and more popular. Lenders are looking for your business and brokers are giving attention to this area of the market. Is it for you?
  • Re-mortgaging – look into it
    Have you thought about re-mortgaging? More and more people are making this move and lenders are keen to help. See what’s in it for you.
  • Buy to let – decision time
    With the margin on yields in the buy-to-let property market tightening, could it be time to consider the pension path?
  • Mortgages - Short term memory
    Keep an eye on your diary. The end of your cheap-as-chips mortgage deal may be looming. Keep a step ahead and know where you’re going with your next plan.
  • Mortgages - An important date
    Your short-term mortgage may be coming to an end. Don’t forget to put arrangements in hand to renew or transfer. It could be an expensive memory-lapse if you do.
  • Everlasting mortgages
    To my children I bequeath my home, my assets and my mortgage? Read on for more on this revolutionary new mortgage product.
  • Investing in your children’s future
    There has been a big increase in the number of parents arranging loans to pay for their children to be privately educated. Whatever their income, parents are prepared for sacrifice for the sake of their child’s future.
  • Loan applications – what rate?
    Need to know what rate you’ll be charged for a loan? A quotation search will answer your question, with no potential damage to your “footprint”.
  • Loans and credit cards – and bankruptcy
    Bankruptcy is a growing problem, exacerbated by the loss of its original stigma. This article explains.
  • Loans - New cars for old
    Shopping around for finance for your new car can be very rewarding. Don’t just sign up to the first deal you’re offered, check it out first.
  • Loans – check your options
    There’s a new internet company who match borrowers and lenders. Find out more about this and whether it’s right for you.
  • UK debt increases: but it’s nothing to do with a mortgage
    Alarmingly so, Britons are now spending more than they are earning by use of personal loans and credit cards. Is the hole becoming too big to get out of?
  • Check your footprints
    Take only pictures; Leave only footprints. Good advice when visiting an area of outstanding beauty. Make sure the other footprints you leave are squeaky-clean too.
  • Life Insurance - Plan for life
    If you’re young, fit and healthy, this is the very best time to buy some life insurance. Read on to find out why.
  • Life Insurance - One more step on the insurance ladder
    When the family are off your hands and retirement beckons, what steps can you take to safeguard your children’s inheritance?
  • Life Insurance – think about it.
    Do you have life insurance? We hope the answer’s yes, but have you enough? If it’s no, what would become of your family if disaster were to strike?
  • Disabled in debt
    A new study has suggested that disabled people in the UK are having to borrow money in order to pay for essential everyday items.
  • Need a loan? Guess the interest rate
    Personal pricing is the latest process used by banks when deciding which interest rate to offer for a personal loan. The interest rate offered will depend on your credit rating. Find out how this works – or doesn’t.
  • Loan repayment – watch those extras!
    Payment protection insurance cover is often superfluous. Check out the facts.
  • Car loans – take your pick
    By choosing the way you finance your car as carefully as you select the car itself, you can save a lot of money. Here are some choices to consider.
  • Personal loans increase but at what cost?
    Personal loan lending has increased in the past couple of months, as personal loans have never been more easily available. Why is borrowing becoming easier?
  • Life Insurance. Cut the pounds – cut the premium
    Piling on the pounds can mean higher life insurance premiums. Insurers are getting tougher and are worried about your BMI. Check it out.
  • Life Insurance - Women furious over insurer gene testing
    Insurance companies now want the right to ask women applying for cover whether they have been tested for the gene mutations that predispose them to developing cancers.
  • Endowment policy another forgotten option
    Endowment policies can fetch thousands on the open market and selling endowment policies is big business but do you understand the ins and outs?
  • Life Insurance - Your family, who cares?
    There has been a worrying fall in the number of people taking out illness and life insurance. Maybe it’s time to check your own needs?
  • Life Insurance cover – a good deal
    How can you protect your dependants in the event of your death? Check the facts about adequate life insurance. There are some good deals out there.
  • Life Insurance - how well are you covered for skin cancer?
    Check your cover to see exactly what it includes, but remember that prevention is better than cure – covered or not.
  • Life Insurance – doctors reports improved.
    A satisfactory outcome for a long term insurance problem.
  • Critical Illness Insurance. How critical can you get?
    A new critical illness policy from the Prudential covers illnesses that others don’t even consider. In theory it sounds good, but check the extent of the cover and ask yourself if it’s right for you.
  • Life insurance and alcohol are not a good mix
    Alcohol befuddles the brain, but its attack on your wallet can be painful too – especially when life insurance is being considered.
  • Life insurance bargain time
    Is your life insured? There’s a lot of choice and premiums are very affordable at present. For your own peace of mind, isn’t it time you thought about it?

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