It’s everyone dream – to be debt free and to be able to spend all your money on you and your family rather than on servicing debt. But how is that possible in the 21st century? A good place to start is by taking out an offset mortgage.
An offset mortgage works by using the security [...]

A fifth of Brits could do with taking out an offset mortgage to encourage them to save because right now they are saving nothing at all.
Nationwide has found that in January 2010, the number of regular and occasional savers increased to 79% – the highest since September 2008. But one fifth of people still not [...]

Offset mortgages will benefit from a renewed interest in saving as the amount hoarded by UK savers more than doubled over the last 12 months.
 
New research from Birmingham Midshires has revealed Brits increased their savings pots and reduced their raiding in 2009 – and now, on a quarterly basis, they are saving 136% more than [...]

The Government has launched a scheme to help people with lower incomes start saving.
The Gateway to Greater Savings will help those on lower incomes to save by topping up every pound saved with a Government contribution. It aims to kick-start a saving habit and to get more money into the financial industry.
Angela Knight chief executive [...]

The UK’s previously burgeoning saving pile has begun to diminish as more Brits face up to their huge debt problems.
According to unbiased.co.uk, savings levels fall by over £19bn over the last quarter as Britons pay off a net £23bn of debt.
It says for the first time in eight-year study the nation’s focus shifts towards paying [...]

Offset remortgages are not simply a matter of signing on the dotted line again. A mortgage needs to be pored over and considered carefully, even if it is a remortgage there is much to consider. But what is important when it comes to offset remortgages? You may have enjoyed huge savings over the course of [...]

2008 has been a tough year for mortgage holders. Rates are on the rise and more people are coming to the end of their cheap, easy two-year fixed rate products. So there are going to be a few rate shocks: many homeowners could see their mortgages rising by hundreds of pounds a month. That’s why [...]

Many mortgages may seem like they are a financial coffin – unrelenting payments again and again every month, regardless of how your life is going. If you are in financial difficulty, or just want to take control of your finances it might seem like the mortgage chain around your neck is heavier than ever. But [...]

After shopping for a mortgage for a short time you will have discovered that finding the best mortgage is a bit of a balancing act, you want a low rate but you also want flexibility and they never go together. A low rate mortgage will be loaded with fees, limitations and nasty clauses while a [...]

Flexible discount mortgages can be a godsend, a mortgage that allows you to call the shots whether that means overpaying, underpaying or even not paying at all for a limited period. Its the perfect product for those whose income is up and down, month by month. Maybe you are self employed, maybe you rely on [...]