Jim Kersey
Jim brings together unique data insights, contextual knowledge and thought provoking themes, to shed new light on important issues affecting both UK businesses and individuals.
Articles by Jim Kersey:
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Short-term vs long-term loans
If you are considering taking out a short-term loan, make sure you check whether a longer-term loan might make more sense, or vice-versa. Here, we take a look at both these options in more detail.
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What is your debt-to-income ratio?
Banks and other lenders use your debt-to-income ratio to evaluate your suitability as a borrower. This means comparing your monthly debt payments to your income before they approve a loan for you. Use our simple calculator to get your results instantly.
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How do interest-only mortgages work?
If you’ve ever wondered what an interest-only mortgage is, or are considering choosing one, read on to find out how it works.
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Important tips to consider when remortgaging
Remortgaging can be a tempting option if you’re looking at ways to free up cash or move to a better deal on your loan. But is remortgaging always the best course of action? Here are seven things to consider when remortgaging.
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Variable vs fixed rate mortgages
There are significant differences between variable rate mortgages and fixed rate mortgages. Before entering into a mortgage loan agreement, make sure you do the research to find out what the best type of mortgage loan is for you.
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A Guide to UK Self-build Mortgages
Self-build mortgages are home loans taken out on a property that you are building yourself, typically paid out in stages. We explore the differences between self-build mortgages and standard residential mortgages.
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A Guide to UK Home Improvement Loans
A home improvement loan can be used as an upfront payment for work you need to carry out on your property, whether you want to increase its value or simply improve your living situation.
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How can I pay off my overdraft quickly?
Discover the ways that you can quickly pay off your overdraft, to help you better manage your short-term borrowing. If you’re finding that you’re dipping into it at the end of every month, these tips could help you manage your spending.
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How to buy breakdown cover for multiple people or vehicles
Skilfully navigate the confusing waters of multi-person and multi-vehicle breakdown cover with our in-depth guide. Discover how you could save money and reduce the hassle of buying breakdown cover for more than one person or car.
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Understanding debt consolidation
Taking out a loan for debt consolidation allows you to turn multiple debt payments such as credit cards and student loans into one ‘consolidated’ loan and monthly payment. This can potentially offer you a better interest rate and added convenience, saving you time and money.
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The lowdown on same day loans
Cash in your bank account within a day can seem like an attractive prospect but what should you know before applying for a same day loan? Our guide will help you make the right choice.
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How much should I put down on a mortgage deposit?
Many first-time buyers are confused about how much deposit money they need before they can get a mortgage. While there are advantages to having a large deposit, sometimes this isn’t always possible. So what are your options when it comes to mortgage deposits?
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Can I get a mortgage if I’m self-employed?
Getting a mortgage if you are self-employed is possible, but you will need to pay closer attention to mortgage lending criteria and jump through a few extra hoops. Here is how you can get a mortgage if you’re self-employed.
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Essential things you need to know when choosing a mortgage
It can be incredibly difficult to choose the right mortgage to suit your needs. From the basics of the loan, to the technical details involved in the process, to the provider, there’s a lot to get straight when you look at how to choose a mortgage.
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Going self-employed: what you need to know
Making the shift from regular employment and a PAYE salary at the end of every month to working for yourself is a big decision no matter what your circumstances. Here are the essentials to consider carefully before taking that leap into self-employment.
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Do I need a business bank account?
So you’ve made the decision to become self-employed and are considering how best to organise your finances. One question looms above all: do I need a business bank account?
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Letting agent fees ban: 2018 rules change overview
In 2016, the government announced they would ban letting agent fees to tenants. What progress has been made and where are we now?
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