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Whether you are experiencing hard times or in the midst of a money-flush, it is always a good idea to plan for the future – because who knows what it may bring.

Most people in the UK are familiar with the word mortgage; but how many know exactly what the word means and how mortgages work? (…)

The credit crunch doesn’t have to mean the end of first time buyers entering the mortgage market. Indeed, with a bit of preparation and the right knowledge, they can actually use it to their advantage.

How does your mortgage match up when compared with other providers? Taking the time to compare your mortgage with other offers on the market can save you money, which is guaranteed to put a smile on your face.

Totting up the weekly shopping whilst pushing a trolley around the local supermarket may not be too much of a challenge; but where the sums are considerably larger and the stakes so much higher – like with monthly mortgage repayments – it may be wise to opt for the assistance of a calculator. (…)

Buying your first home can simultaneously be the most exhilarating and the most terrifying decision you will ever make. (…)

Purchasing a property is, for the majority of people, the biggest single financial obligation of their lives, so it pays to research the market heavily as the scale of the commitment means getting the wrong mortgage is something you simply cannot afford to do. (…)

Arranging a mortgage is one of the biggest financial decisions you can make in your life and as such it pays to know exactly what all the terminology means. (…)

If you feel muddled by the different mortgage options on the market don’t despair as help is available. (…)

Up until 2007, 100% mortgages were commonplace; in fact, 110% and 120% mortgages were also available, but since the credit crisis struck lenders have become a lot more strict with their lending conditions, with 75% LTVs (loans to value) becoming more and more common. (…)