Knowledge Hub

If you want to sell your house with a secured loan on it, you can either pay it off or move it to a new property. This will depend on your personal circumstances and how much you owe.

Rachel Lacey

The Key Worker Living Programme ended in 2019, but there are a number of other mortgage initiatives available to key workers to help them get on the property ladder. Read on to learn how to get a mortgage as a key worker and support schemes available.

Rachel Lacey

A professional mortgage may offer enhanced terms to those within certain professional occupations. Flexibility on affordability, loan amounts and deposits are all potential benefits of mortgages for professionals.

Rachel Lacey

Despite there not being a specific teacher mortgage product, some lenders look favourably on the teaching profession and offer flexibility when assessing the affordability of mortgages for teachers. There are also schemes that could help if you’re a teacher who wants to get on the property ladder.

Rachel Lacey

You may be looking for a specific NHS staff mortgage, and although there isn’t an NHS mortgage designed just for NHS workers, some providers offer products that make the path to homeownership more flexible and affordable.

Anthony Beachey

Despite factors such as varying income meaning it may be more complex, there are mortgage options for doctors. Medical professionals may also be able to borrow more than a standard mortgage applicant by using professional mortgage schemes. Read on to find out how to apply.

Anthony Beachey

The Forces Help to Buy Scheme is designed to help Armed Forces personnel on to the property ladder. It means that servicemen and women can borrow up to 50% of their salary, up to a maximum of £25,000. Read on to find out if you’re eligible and what you need to do to apply.

Connor Campbell

Creating a student budget isn’t likely to be the first thing on your mind when you go to university. But, used in tandem with a student bank account, it can make your finances a lot stronger, and life a lot easier, as you earn your degree and have fun (not necessarily in that order).

Tim Leonard

A land mortgage can help you secure the plot of land you want, whether it’s for a self-build project, commercial development, or an agricultural mortgage for farmland. Find out more about how these mortgages work and what you can do to improve the chances of your application being approved.

Holly Bennett

If you’re planning a getaway, here’s what travel insurance will and won't cover if Covid-19 disrupts your plans – and what to look for in a policy.

John Fitzsimons

A guarantor mortgage can help applicants who are unable to secure a mortgage on their own, perhaps because they have bad credit. There are various pros and cons of guarantor mortgages but a guarantor should remember they will be liable should the applicant default on their repayments.

John Fitzsimons

To tempt those buying a property or remortgaging, some lenders offer cashback mortgages. This type of deal involves the lender paying a cash lump sum to the borrower. Read on to find out more about the pros and cons of this incentive.

John Fitzsimons

If you have savings, an offset mortgage can help you to use them to reduce your monthly mortgage repayments. It works by linking the sum you have borrowed and the money you have in a linked savings account with your mortgage lender. Read on to learn how they work and whether they are right for you.

John Fitzsimons

A residential mortgage is used to purchase a property that you plan to live in. The loan is taken out against the property and can come in various forms, such as fixed or variable rate deals, and repayment or interest-only options. Read on to learn more about how they work.

Holly Bennett

Funerals aren't cheap and the cost has been rising, so it makes sense to consider how your final goodbye will be paid for. Here are the average costs of a funeral and how you can reduce the financial impact on your loved ones, when the time comes.

Jeff Salway

The liabilities of directors differ depending on the type of company. In general, a director of a limited company has protection, however there are exceptions. Read on to find out more.

Jeff Salway

Dissolving a company refers to the process of removing or “striking it off” the Companies House register. Once a company has been dissolved, it becomes illegal for it to continue trading. Read on to find out why this may happen and whether HMRC can still pursue a dissolved company.

Jeff Salway

If a company is unable to pay the money it owes, maybe due to cash flow problems, or if its liabilities outweigh the assets on its balance sheet, it can be described as business insolvency. There are some warning signs to look out for if you are worried about insolvency – read on to find out more.

Jeff Salway

Insolvency describes the situation where a person or company cannot pay its debts. This means the value of assets and income will not cover what is owed. Read on to find out more about the implications you need to know.

Ruth Jackson-Kirby

Although it may leave you a little red faced, cards can be declined for a number of reasons, these could include reaching spending limits, being abroad or getting your information wrong. Learn what it could mean if your card has been declined.

Ruth Jackson-Kirby

If you have credit card debt with multiple providers you could consolidate it into one place. Read on to discover more about credit card debt consolidation and the pros and cons of it.

Ruth Jackson-Kirby

Money borrowed from a credit card provider is credit card debt. As long as you pay your monthly repayments in full, you will not accrue interest on the amount borrowed. Learn more about credit card debt, including how it compares to other types of debt and the consequences of building it up.

Ruth Jackson-Kirby

Credit card debt can quickly mount up, leaving you wondering how to pay it off. Read on to learn how to assess how much you owe, how to stop your debt from growing, how to pay off your credit card, and the steps to take if you can’t afford the repayments.

Tim Leonard

Getting a mortgage as a contractor may require you to jump through a few more hoops than if you’re employed, but don’t let this put you off. Contractor mortgages might be available if you have a certain level of stable earnings and proof that your services are in demand.