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Needing mortgage advice?
In today's world of the internet many customers suffer from information overload. In the mortgage market with 100s of sites promoting which product is best and which is not, Sometimes it's hard to know who to believe.
This site is different - Independently run by a Fully qualified Cemap mortgage expert. It offers a personal service in an impersonal world of the internet. If you require a mortgage we let you decide which is the most suitable. If you visit the mortgage advice section you will find descriptions of each mortgage type in plain English, letting you make an informed choice before you even make an enquiry.
If it's just information you're after then the mortgage section gives you enough advice without confusing you with industry jargon. If you are serious about remortgaging, getting a 1st time mortgage or a commercial mortgage and want to get expert help then we suggest you make an enquiry.
Needing Loan advice?
Unfortunately anyone with no qualifications and no financial experience can put up a website on loans. This causes a problem for the consumer as they don't know which sites are genuine and which are untrustworthy.
www.NeedingAdvice.co.uk is different. Owned independently by a fully qualified Cemap mortgage adviser who as worked in the loans industry for many years. The information and advice you receive here is not just tailored to what pays us the highest one off commission, but instead we aim to build a relationship that will last for a lifetime.
To start with we let you decide which finance type is best by clicking through to the loan advice section. Here you will find plain English descriptions of each kind of loan. Going deeper into each category will list the advantages and disadvantages of each loan type. Therefore you can make an informed decision before you even make an enquiry.
Once you have checked the relevant loan type to ensure that it is what you are looking then make an enquiry, there is still no obligation and we promise to give you a friendly professional advice service.
Needing Insurance Advice?
Big savings can be had with insurance. Shopping around on the internet and using price comparison sites can lead to cheaper policies. Although in many cases a cheaper policy is because the broker or loan provider was charging excessive fees in many cases it is because of inferior coverage. The world of internet makes comparing policy features and prices easy. Making a saving is what everyone is after whether that be on car, home, travel or another form of general insurance. Life insurance policies are not as straight forward as car and home insurance. The internet and the customers state of mind being price conscious can lead to under insurance and the wrong type of protection being in place.
Here at needing advice we do things differently, whether you need travel insurance or a more complicated suite of life insurance polices covering income protection to critical illness covering your mortgage and dependents.
Rather than you choosing which product suits you use our one simple form and a friendly chat either online, or through the phone, ensures the most suitable product from the market is sourced. No hard sell but just good advice is what we provide. Fill in the simple form now and see how much savings we can offer along with the correct amount of cover you need.
Needing Debt Advice?
Debt help and advice is not as easy as buying an insurance policy. Everyone's situation is different and what is most suitable for one person is not always the correct option for another. The year 2008 will be a challenging year for many with thousands of families coming off of fixed rate mortgages and many with debts both unsecured and secured getting out of control.
The increase in monthly payments that a remortgage may bring will force many in to debt management programs and possible IVA solutions. For those who still have good credit history and the income available to make repayments a debt consolidation may prove a suitable alternative.
Rather than going it alone we suggest you use our 1 minute enquiry form. If you think you could benefit from either a debt consolidation, an IVA or debt consolidation loan either on a secured basis or unsecured basis then we will provide you with guidance and advice to help you.
Needing business leasing advice?
Many businesses need to use expensive equipment such as car vans or other commercial vehicles. Many need other expensive equipment such as machinery, computer, equipment, medical equipment or costly assets. Rather than paying out lump sums of cash many companys choose to lease the equipment and thus use the companys liquid cash for to help expansion and grow the business.
When leasing is done right it can help expand the business and growth can be massive. When leasing is done wrong it can tie the business to leases for excessive time frames and can damage the business.
We suggest you speak to a business adviser who has helped many commercial businesses expand and knows commercial finance inside out. To do just that take in minute and fill in the 1 minute enquiry form.
Needing Factoring Advice?
Another tool that many business's take advantage of is invoice debt factoring. This is where a business that has outstanding invoices uses a factoring company to raise cash against the invoices. This method is usually a lot cheaper than using a bank overdraft.
The factor runs the collection of debts and will chase any bad debt payers. This frees up your company and allows it to concentrate on what it does best providing products or services.
Another type of finance that is similar to factoring is discounting this works the same way as factoring but with your company retaining control of debt collection. Both of these tools can help your business with cash finance although with around 60 factoring companies in the UK it is important to find the most suitable one for you.
Take 1 minute to fill in the business finance form to see how factoring or discounting can aid your business.
Needing Commercial Mortgage Advice?
Commercial mortgages are not regulated by the FSA and for this reason when you get one you need to be careful. Some brokers charge excessive fees 1% or even 2% of the loan amount are not uncommon. On top of this many lenders also charge set up fees and very large early redemption charges.
You need to find a broker that charges a fair price for the work the put in and in this regard you will find us accommodating. No matter what kind of commercial mortgage you require be it a buy to let or a large commercial premises used for a factory we can assist.
Fill in the 1 minute enquiry form to see how we can help you find the most suitable commercial mortgage you need.
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Knowledge Centre
Loans
Bad Credit Loans - A Look at secured and unsecured loans for people with bad credit history.
Bridging Loans - An overview of bridging loan finance who it suits and several examples of when to apply.
Business Commercial Loans - A popular way for business to raise finances for any purpose here we explore these loans in more detail.
Car Loans - Whether you have an a1 credit score or have an adverse credit history such as CCJs, IVAs, defaults we look at the alternatives available.
Payday Loans - Certainly used mainly by those with poor finance management but a tool that is beneficial in the right circumstances.
Secured Loans - A tool to lower monthly outgoings a real alternative to remortgages here we look at some secured applications.
Mortgages
100% Mortgages - Articles giving general overview about 100% mortgage advantages and features.
Bad Credit Mortgages - Here we examine what bad credit mortgages are and how they can be used to repair you credit.
Base Rate Tracker Mortgages - Who do they suit best? What as the main benefits and drawbacks?
Business Mortgages - A wide variety of mortgages used for commercial purposes. Here we explore the main features.
Buy To Let Mortgages - For many a full time business is renting property, for others it's a means to retirement. Here we explore buy to let products.
Capped Rate Mortgages - Certainly very advantageous for certain customers, but are they the right choice for everyone?
Cashback Mortgages - Certainly very attractive especially for first time buyers but are they really that good.
Commercial Mortgages - From butcher shops to shopping centres finance is required for secured properties here we explore the features.
Current Account Mortgages - These mortgages are very flexible but not suitable for everyone we explore who's suited and who's not.
Discounted Mortgage Rates - These mortgage types offer a genuine discount but again not suitable for everyone learn whether you're suited or not.
Fixed Rate Mortgages - Certainly a popular choice buy fixing a mortgage can be the wrong choice for many so read before fixing.
Flexible Mortgages - What makes a mortgage flexible and what features may attract you to a flexible mortgage.
Homeowner Loans - To fix or not to fix that is the question that we try to explore within this article.
ISA Mortgages - A good option for some but can be disastrous if used incorrectly we look at the disadvantages and advantages.
Lifetime Mortgages - A website could be dedicated to these in their own right but here we cover the basics.
Offset Mortgages - A tool to get the most out of your savings for some, but a temptation to spend for others. Here we review.
Remortgages - Nowadays a regular activity done every few years or so. But remortgaging is not always the best choice.
Right to Buy Mortgages - An excellent choice for those in council accommodation whether that be a flat or house.
Self Certification Mortgages - Traditionally only used for high risk self employed people but now used by people on bonuses and company directors. The rates aren't bad either.
Shared Ownership Mortgages - For those with lower incomes or living in high priced property areas, this is a real good way to get on the property ladder.
Insurance
Term Life Insurance - Fixed cover for a fixed term.
Payment Protection Insurance - Cover for unemployment accident or sickness normally used to cover a loan payment.
Income Protection Insurance - Protects you're income if you are made unemployed or have an accident or become sick.
Mortgage Protection Insurance - Pays you're mortgage for 12 - 24 months if you become sick have and accident or become unemployed.
Critical Illness Insurance - Pays out a lump some if you get a dread disease such as cancer.
Debt
Debt Management - A company normally makes temporary arrangements with your creditors.
Debt Consolidation - A big loan or mortgage is taken to pay off all your debt and give a smaller lower monthly payment.
IVAs - Individual Voluntary Arrangement an alternative to bankruptcy.
Bankruptcy - When all other alternatives are not suitable.
Leasing
Equipment Leasing - Here you can lease almost any kind of equipment your business needs.
Commercial Vehicle Leasing - Buying trucks, vans or coaches means a big financial outlay leasing vehicles is the alternative.
Operating Leasing - Usually for a shorter period than a finance lease.
Transportation Leasing - Larger businesses such as airlines and ferry companies use leases to use aircraft, ships, boats and trains.
Factoring and Discounting
Invoice Factoring Information - Information for commercial businesses looking in to factoring.
Export Invoice Factoring Explained - Allows you to raise cash on export invoices.
Asset Based Factoring Services - Similar to factoring but also allows you to take into consideration stock and property assets.
Factoring vs Discounting - Here we way up the pros and cons of factoring and discounting.
Using a Factoring Broker - Why use a broker and not just visit your bank.
Recourse and Non Recourse Factoring - Non recourse and recourse factoring differences are examined here.
Account Receivable Factoring - There are several benefits to account receivable factoring.
Invoice Discounting Advantages - To keep in control of your credit discounting may be the answer.
Confidential Invoice Discounting - Discounting allows you to issues and collect debts and so is confidential.
Commercial Mortgages
Limited Liability Partnerships getting commercial mortgages - These business types are treated differently.
Getting a commercial mortgage with a limited company. - Limited companies may need director guarantees.
Buy to Let Commercial Mortgages - Buy to let are classed as commercial mortgages too.
Semi Commercial Mortgages - For example a shop owner that lives above the shop.
Commercial Mortgage Refinance - Getting refinance on a commercial mortgage can sometimes give cost savings.
Commercial Remortgages Vs Secured Loan - Remortgaging is not always the best finance option.
Non Status Commercial Mortgages - No proof of earnings no problem.
Getting a Self Cert Commercial Mortgage - No accounts required.
Commercial Mortgages Deposits and LTVs - 85% LTV is normal although 90%, 95% and even 100% can be sourced.
Commercial Mortgage Intrest Rates - How commercial mortgage intrest rates work.
Fixed Rate Commercial Mortgages - A look at fixed rate options.
Variable Rate Commercial Mortgage Advantages - Sometimes variable rates are best.
Commercial Mortgages and The LIBOR Rate - London Interbank Offer Rate and commercial mortgages.
Repayment or Equal Payment Commercial Mortgages - When a repayment mortgage should be used.
Interest Only Commercial Mortgages - When an interest only mortgage should be used.