Home & Money News

12/12/2007 by Charcol

A report critical of the way that mortgage lenders support struggling borrowers has been strongly rebutted by lenders.

Citizens' Advice (CA) examined the case studies of 1,200 people who had approached Citizens Advice bureaux, and...

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11/12/2007 by Charcol

UK consumers could be facing a financial hangover next year as higher credit charges hit home, analysts have said.

Peter Hahn, a former managing director of banking firm Citigroup, has warned that a continued reluctance among...

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11/12/2007 by Charcol

Borrowers moved away from fixed-rate mortgages in October in anticipation of an interest rate cut, figures released today suggest.

The Council of Mortgage Lenders (CML) says that the percentage of loans made at a fixed-rate fell...

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11/12/2007 by Charcol

UK house prices rose by 0.1% in October, according to government figures.

The department of Communities and Local Government says that the average price...

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10/12/2007 by Charcol

NatWest has denied introducing a charge by stealth for its credit card holders.

From 1 December, customers who are signed up to the bank's Your Points rewards scheme will pay a £3 charge in any month when they spend less than...

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07/12/2007 by Charcol

The Conservatives have announced a review into house buying in England and Wales, with the aims of speeding up the process and lowering costs and stress.

The review will be lead by Shadow Housing Minister Grant Shapps, with input...

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06/12/2007 by Charcol

UK mortgage lenders have responded positively to the Bank of England's decision to cut interest rates earlier today.

The Building Societies Association (BSA) said that the cut showed the Bank was aiming to prevent damage to the...

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06/12/2007 by Charcol

The Bank of England has decided to reduce interest rates today, taking the Bank rate down by 0.25 percentage points to 5.5%.

The news will be welcomed by borrowers, many of whom are facing the prospect of more expensive mortgage...

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05/12/2007 by Charcol

Raising a deposit is the biggest obstacle for first-time buyers, according to a new survey.

Deposits were ranked the most significant barrier to getting on to the housing ladder, ahead of making monthly mortgage repayments, stamp...

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04/12/2007 by Charcol

Home-buyers are interested in long-term fixed-rate mortgages, but the government needs to help make them more attractive, new research suggests.

In an online survey of over 2,000 people carried out for the Council for Mortgage...

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Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

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John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.