Mortgages and cancer. Useful information for cancer patients. Contents
|
|
- Kory Wiggins
- 8 years ago
- Views:
Transcription
1 Mortgages and cancer Useful information for cancer patients Contents This information is on mortgages for people affected by cancer. There are sections about Getting mortgage advice Taking out a mortgage and the different types Mortgage Payment Protection Insurance (MPPI) Guarantors If you have a mortgage Help with mortgage repayments Further information and advice You can view this information in a larger print on our website. An adviser must always tell you if they are tied to a particular company or agent because this means they can only advise you on products offered by that one company. Some advisers work to a whole of market panel. This is still restricted to a group of lenders. Independent advisers can give advice on products from a range of different companies. To find a financial adviser you can trust, ask friends or family for any contacts they may have. If this is not possible then you can get a list of local independent financial advisers (IFAs) from the organisation listed at the end of this information. The Council of Mortgage Lenders ( has a code of practice which governs banks, building societies, brokers and authorised financial advisers. According to the code, they should make every effort to find the very best policy for you from what is available. Everything should be kept as simple as possible. Mortgages can be very complicated and you need to be able to make an informed choice on the type of mortgage that suits you. Getting mortgage advice It is always best to try a number of mortgage lenders or authorised financial advisers if you are looking for a mortgage. You will need to explain your circumstances, needs and concerns to get the best advice and find the best deal possible. Financial Advisers may be restricted or independent, but all have to be authorised by the financial services regulator if they give advice on financial products. Taking out a mortgage and the different types The amount of money you can borrow, whether it's a small personal loan or a home loan (mortgage), depends on your ability to pay it back. So the lenders will want to check your income, regular outgoings and expenses, age, financial history and security for the loan (your assets, or what you own). Mortgages and cancer 01
2 Repayment mortgages Repayment mortgages are the standard type of mortgage. You repay the amount borrowed plus an agreed rate of interest over a given term. The rate of interest usually varies throughout the term of the mortgage, but you are now more likely to be offered a fixed rate mortgage, which stays the same over a specified number of years. You can get repayment mortgages without having to give your medical history. The lender's greatest concern is your ability to repay the loan. But the lender may want you to protect the loan with insurance. And you will need to tell the insurer of any medical condition you have or have had in the past. Even if your lender does not insist you have insurance, it really may be in your best interests to protect the loan in this way. Talk to your financial adviser about it. If you already have life insurance or critical illness insurance then check to see what the policy offers. It may be that your existing policies already cover the full repayment of a mortgage if you die before it is paid off. You may be able to add this benefit to an existing policy by arranging to pay extra premiums. You should talk this through with your financial adviser or insurer. If you have income protection insurance you will probably have to increase your premiums to cover your mortgage repayments. If you do not already have one or more of these forms of insurance then you may find it very difficult to protect the loan. If you have to stop working because of illness, you may be unable to meet the repayments. If you don't keep up the payments, your mortgage lender will be able to repossess your house, as it is the security for the mortgage loan. This is usually the last resort, but it is better to avoid this situation by arranging some sort of insurance. Interest only mortgages (endowment mortgages) Interest only mortgages require the payment of interest during the term of the loan, and then the payment of the full sum of the loan at the end of the term. Recently, it has become more difficult to get one of these mortgages. One form of interest only mortgage is the endowment mortgage. This is an endowment policy and interest payment combined. These mortgages aren't as popular now as they used to be as they involve more risk than a repayment mortgage. Payments have to be made into the endowment policy to build up savings or investment so that you can accumulate the full amount of the lump sum to repay your loan. The payment of the lump sum is dependent on these savings or investments growing at an assumed and adequate rate. Performance is not guaranteed. If the investment doesn't perform as planned, there may not be enough money in your pot at the end to cover the original sum you borrowed. Many people have had problems with endowment mortgages where they have not produced enough money at the end of the term to pay off the mortgage. So if you already have an endowment mortgage, it is a good idea to get some advice about it from a financial adviser. They will help you to check how well your endowment has performed, and advise you if you need to take any further action. Endowment policies include life insurance. Because this is a necessary element of the policy, you will need to disclose your medical history in order to get this type of loan. Even if you have cancer, it is not necessarily impossible to get an endowment policy. But your premiums may be higher. As with all aspects of insurance, it is best to ask a number of brokers, insurers and authorised financial advisers before making a decision. For a list of potentially suitable insurers contact the British Insurance Brokers Association (BIBA). Mortgages and cancer 02
3 Interest only ISA mortgages In recent years, there has been bad press for endowment mortgages, so there has been less demand for them. A new type of mortgage has been introduced called an Individual Savings Account (ISA ) mortgage. This is really another way of saving efficiently. It doesn't have any medical underwriting as it doesn't have any insurance attached to it. It is more flexible than an endowment as you don't have to continue with it for a fixed term and you can increase your savings at any time. You can also add lump sums of money up to the ISA limit for that tax year. This type of mortgage usually has lower charges and so should provide a better return for your money. Do remember that you will need a separate insurance policy in order to protect the mortgage. Offset mortgages The idea of an offset mortgage is that any money that you have in your current account or savings is used to offset your mortgage debt. So money that you would not normally pay in to your mortgage account can be deposited in to the offset account and you can still withdraw it at anytime. This means that you only pay interest on what you owe overall. This can save you money on interest payments, and help to pay off the mortgage quicker. You also avoid paying tax on any interest that you would have got on your savings, and this interest might have been at a lower rate than your mortgage interest anyway. And you can make overpayments without being penalised. The downside of these mortgages is that interest rates have not been as good as on other types of mortgage. And you need to be quite well organised with your money to avoid getting yourself into difficulties. There are 2 types of offset mortgage available. A current account mortgage (CAM) keeps all your finances in one account. So if you have 2,000, but you owe 80,000 on your mortgage, then you are basically 78,000 overdrawn. In other offset mortgages, your current account, savings and mortgage are kept in separate pots, but are linked to calculate your interest. Mortgage Payment Protection Insurance (MPPI) This is sometimes called Accident, Sickness and Unemployment Insurance (ASU). You pay monthly premiums and the policy pays your mortgage repayments for up to 12 months if you become seriously ill or lose your job. This can be important, because unless you took your mortgage out before October 1995 you cannot get help from the Benefits Agency until you have been claiming benefits for 9 months. Mortgage Payment Protection Insurance can help until you qualify for benefits. However, you will still need some money put by. There is usually a period of notice (between 60 and 90 days) before the policy takes over the repayments. So the first 2 or 3 payments will still be down to you. If you have this insurance, you should put in your claim for help as soon as possible, including documents confirming your financial situation and medical condition. This policy can also pay off a mortgage if you die. If you already have cancer, you may be able to take out this insurance depending on the type of cancer you have and the stage you have reached in its treatment. Guarantors If you can't take out a mortgage yourself because of your illness, then it may be possible to have someone stand guarantor for you. This is someone who guarantees to pay your mortgage if you can't. The guarantor may also have to arrange any necessary insurance. A suitable guarantor must have enough income to cover your mortgage and their own, if they have one. Your financial adviser, potential lender or insurance company will be able to explain the possibilities to you. Mortgages and cancer 03
4 If you have a mortgage If you are diagnosed with cancer, you are not obliged to tell your mortgage lender. If the mortgage can be paid as usual then you don't need to do anything. But your mortgage repayments may be affected by your illness. You may have to take time off work and your income may drop. You may then have trouble meeting your mortgage payments. If you are having financial difficulties or are behind with your repayments, then tell your mortgage lender as soon as possible. The code of practice produced by the Council of Mortgage Lenders says that lenders should be sympathetic towards borrowers' financial problems and should offer positive solutions. This will almost always be the case. After all, it is in the lender's interests to help you out. Repossession of a house or flat as security for a mortgage is usually the last resort. Your lender may be able to Suspend your repayments for a short period Reduce your payments to interest only for an agreed period If you have a repayment mortgage, reduce your repayments and extend the term or duration of your mortgage Many mortgages are issued with some form of insurance which will cover repayments for a certain period of time. If you are off work, you may wish to call on this insurance to help cope with or to maintain your mortgage repayments. You should contact your insurer as soon as possible. This can be very important as it is usually 2 or 3 months before the insurance pays out (this is called the 'period of notice'). If you have an endowment mortgage, it is a good idea to get some advice about it from a financial adviser. Many people have had problems with endowment mortgages where they have not produced enough money at the end of the term to pay off the mortgage. A financial adviser or mortgage expert will help you to check how well your endowment has performed, and tell you if you need to take any further action. Help with mortgage repayments If you are having financial difficulties and have no insurance, tell your mortgage lender as soon as possible: they may be able to suspend repayments for a short period, reduce your payments to interest only for an agreed period, or for repayment mortgages, reduce your repayments and extend the term (duration) of the mortgage. If you have mortgage payment protection insurance, you should let your insurers know as soon as possible that your circumstances have changed and you may need to make a claim. Further information and advice Here are sources of help in finding a financial adviser, getting a mortgage, getting insurance or help if you are having difficulty meeting payments. To find independent financial advisers: Unbiased.co.uk Website: Provides an online search to find an independent financial adviser or mortgage adviser. If you are having financial difficulties, then you should also tell your mortgage lender. Your lender can offer advice if they are aware of your situation and can put in place temporary measures (such as suspending or reducing your repayments). Mortgages and cancer 04
5 For advice and guidance on mortgages available in person, over the telephone, by post or online: The Money Advice Service Holborn Centre 120 Holborn EC1N 2TD Helpline: (Monday to Friday, 8am to 8pm, Saturday 9am to 1pm) Website: An organisation set up by the government to give clear, unbiased money advice. For help in finding an insurance broker: British Insurance Brokers Association 8th Floor John Stow House 18 Bevis Marks, EC3A 7JB Phone: Website: For information about insurance, including different types of cover: Association of British Insurers 51 Gresham Street EC2V 7HQ Phone: Website: For help and advice if you are having difficulty making mortgage repayments: Citizens Advice look in the Yellow Pages under Counselling and Advice for your local branch. Or you can search for one on their website. Website: The Money Charity (formally Credit Action) 15 Prescott Place SW4 6BS Phone: Website: This organisation aims to help people to avoid getting into debt. Their sister organisation, the Step Change Debt Charity (see below), is more appropriate if you are already having debt problems. Step Change Debt Charity (formerly the Consumer Credit Counselling Service) Wade House Merrion Centre Leeds LS2 8NG Phone: (freephone) Open 8am to 8pm, Monday to Friday, Saturday 8am to 4pm Website: National Debtline Tricorn House Hagley Road Edgbaston Birmingham B16 8TP Phone: (freephone) Open 9am to 9pm, Monday to Friday and 9.30 to 1pm on Saturdays Website: Mortgages and cancer 05
6 Notes For more information, visit our website You will find a wide range of detailed, up to date information for people affected by cancer, including a clinical trials database that you can search for trials in the UK. Our information is based on the best current scientific evidence and reviewed regularly by leading clinicians and experts in health and social care. For answers to your questions about cancer call our Cancer Information Nurses on am till 5pm Monday to Friday. Adapted from Cancer Research UK s website in August Cancer Research UK s website is not designed to provide medical advice or professional services and is intended to be for educational use only. The information provided through Cancer Research UK s website and our nurse team is not a substitute for professional care and should not be used for diagnosing or treating a health problem or disease. If you have, or suspect you may have, a health problem you should consult your doctor. Copyright Cancer Research UK Cancer Research UK is a registered charity in England and Wales ( ), Scotland (SC041666) and in the Isle of Man (1103) Mortgages and cancer 06
Understanding mortgages
This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 7. Contents What
More informationHB(LHA)8. Local Housing Allowance: Money advice for tenants. www.westwiltshire.gov.uk
HB(LHA)8 Local Housing Allowance: Money advice for tenants www.westwiltshire.gov.uk What is Local Housing Allowance? Local Housing Allowance is a new way of working out new claims for Housing Benefit for
More informationCan t Pay Your Mortgage?
Can t Pay Your Mortgage? Helpful advice from the BSA and the Money Advice Trust Can t Pay Your Mortgage? Having problems paying your mortgage can be one of the most stressful and traumatic problems that
More informationMORTGAGES4REAL LIMITED
WELCOME TO MIKE ROGERSON.CO.UK ESTATE AGENTS SURVEYORS LETTINGS MANGEMENT MIKE ROGERSON MORTGAGES4REAL LIMITED We know that taking out a mortgage will probably be the biggest financial commitment you can
More informationKeeping up with mortgage repayments
Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you
More informationGet advice now. Are you worried about your mortgage? New edition
New edition July 2009 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
More informationGet advice now. Are you worried about your mortgage?
Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, or you think it will be difficult to pay more when your fixed-rate deal ends, act now to stop your situation
More informationGet advice now. Are you worried about your mortgage? New edition
New edition July 2010 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
More informationHousing Benefit under the Local Housing Allowance arrangements: money advice for tenants
Housing Benefit under the Local Housing Allowance arrangements: money advice for tenants The Local Housing Allowance was introduced from 7 April 2008 and is used to work out claims for Housing Benefit
More informationRemortgaging it may be your best decision
Remortgage Guide Remortgaging it may be your best decision Why do I need to consider a remortgage? For most homeowners, a mortgage is probably your largest financial commitment so it s essential to ensure
More informationUnderstanding insurance. A guide to different types of insurance and making a claim
A guide to different types of insurance and making a claim Introduction If you re living with a terminal illness, you may be able to make a claim on any insurance policies you have. This could be for medical
More informationTypes of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance
This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Types
More informationJOINT AND SEVERAL LIABILITY. Partnership responsibilities
JOINT AND SEVERAL LIABILITY Partnership responsibilities March 2014 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How
More informationAL amyoidosis Infosheet
AL amyoidosis Infosheet Myeloma UK Broughton House 31 Dunedin Street Edinburgh EH7 4JG Tel: 0131 557 3332 Fax: 0131 557 9785 Myeloma UK Infoline 0800 980 3332 www.myeloma.org.uk/ amyloidosis Charity no.
More informationYour mortgage with us. Helping you feel at home
Your mortgage with us Helping you feel at home Your mortgage now and in the future Your mortgage shouldn t be complicated you apply for a loan and we lend what we think you can afford. Simple. It s a valuable
More informationIn Debt? Dealing with your Creditors
In Debt? Dealing with your Creditors for FREE advice call 01535 64 00 00 This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service
More informationLoan Protection Insurance. Your Loan Protection Insurance policy summary.
Loan Protection Insurance Your Loan Protection Insurance policy summary. Policy summary What is Loan Protection Insurance? Loan Protection Insurance, which is optional and not a condition of taking out
More informationAdviceguide Advice that makes a difference
Payment Protection Insurance What is Payment Protection Insurance When you take out a loan, credit or store card, you're often asked to take out an insurance policy at the same time. The policy is meant
More informationMortgages Things You Should Know
Mortgages Things You Should Know Moving and Money So you re starting to talk about moving out of London or perhaps you ve made the decision already and you ve started the search in earnest. One of the
More informationA consumer guide to payment protection insurance
A consumer guide to payment protection insurance www.fla.org.uk Company Name and Contact Details This leaflet is published by FLA on behalf of its members. If you would like to discuss your payment protection
More informationHelp yourself to manage your mortgage
Help yourself to manage your mortgage If you are worried about paying your mortgage, there may be steps you can take to make your mortgage easier to manage. This leaflet gives you some ideas. For more
More informationJust the facts about dealing
May 2009 Our guides here to help you This guide is part of our Buying a home series. About the Financial Services Authority. Pensions andeveryday retirement. money. Saving and investing. If things go wrong.
More informationHow To Pay Your Mortgage
You can afford your mortgage now, but what if...? The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices. We try to ensure
More informationJust the facts about dealing
April 2008 Our guides here to help you This guide is part of our Buying a home series. About the Financial Services Authority. Pensions andeveryday retirement. money. Saving and investing. If things go
More informationMortgage problems. Separating the myths from reality
Mortgage problems Separating the myths from reality Struggling to keep up with your mortgage repayments? Does your debt get you down? Don t despair: separating mortgage myths from reality to help with
More informationDealing with debt. A guide for customers
Dealing with debt A guide for customers How you can get help Banks are here to help you run your finances smoothly in a complicated world. You can get help in good and bad times. Banks understand that
More informationDraft PAP for Debt Claims Consultation by Civil Procedure Rule Committee 1-30 September 2014
PRE-ACTION PROTOCOL FOR DEBT CLAIMS Table of contents Paragraph Introduction 1 Overview of the protocol general aims 2 Initial information to be provided by the claimant 3 Response by the defendant 4 Disclosure
More informationDealing with your mortgage shortfall
Dealing with your mortgage shortfall The options available Things to consider Helping you stay on track The Money Advice Service is independent and set up by government to help people make the most of
More informationOptions for dealing with debt
Options for dealing with debt This factsheet explains what you can do if you cannot afford your debts. It gives an overview of the options that you may have, but is not a suitable alternative to speaking
More informationSaffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.
Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England
More informationDealing with Debt How to petition for your own bankruptcy
Dealing with Debt How to petition for your own bankruptcy Contents Where can I get advice about bankruptcy?... 3 What are the alternatives to bankruptcy?... 3 How do I petition for my bankruptcy?... 4
More informationIn Debt. Dealing with your creditors
In Debt Dealing with your creditors 0 This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to thank the members
More informationMortgages Guide. From http://limetreefs.co.uk 1
Mortgages Guide Mortgages revealed... The explanations below are intended to give you an insight into some of the more common terms associated with the mortgage process. Repaying the Mortgage Whichever
More informationMortgage advice you can depend on
Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to
More informationAdequate Explanations
Adequate Explanations CCTA PLA 10.14 H&T Pawnbrokers are required by law to provide you with the following information in order for you to decide if the loan is suitable for your needs and to highlight
More informationGuidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears
Guidance For use in the United Kingdom Letter regarding mortgage debt or arrears Contents Purpose of this document What can you do about mortgage arrears? Mortgage rescue schemes Selling your property
More informationSelf Assurance. Your simple guide to protection
Self Assurance Your simple guide to protection Your simple guide to protection Peace of mind for you and your family None of us really knows what the future has in store, but like millions of other people
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance
More informationPaying for your own residential care
Paying for your own residential care June 2015 Page 1 Contents How will I know whether my needs have to be met by residential care?... 3 How do I find a home?... 3 How much will I have to pay towards the
More informationManaging your money. A resettlement checklist and guide. Nacro s Resettlement Plus Helpline 0800 0181 259
A resettlement checklist and guide Managing your money A resettlement checklist and guide If you will be leaving prison in the next few months and you are worried about how you will cope with money on
More informationDealing with your mortgage shortfall
Dealing with your mortgage shortfall The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices. We try to ensure that the
More informationAdviceguide Advice that makes a difference
Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or
More informationMORTGAGE ADVICE YOU CAN DEPEND ON
MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and
More informationTravel insurance. 2010 fact sheet. Getting travel insurance
2010 fact sheet Macmillan and Cancerbackup have merged. Together we provide free, high quality information for all. Travel insurance People who have cancer, or have had cancer in the past, can find it
More informationMaking a fresh start. A handout and guide to help you manage your money
Making a fresh start A handout and guide to help you manage your money Contents About this handout page 1 About this handout Managing your money page 3 Budgeting page 3 Managing debt page 6 Understanding
More informationProblems paying your mortgage
Problems paying your mortgage What you need to do now and how to get back on track Steps to take now What your options are Get free impartial advice The Money Advice Service is independent and set up by
More informationNo selling. No jargon. Just the facts about borrowing money. Our guides here to help you. No selling. No jargon. Just the facts.
June 2009 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving and investing. Pensions and retirement. If things go
More informationA Shelter guide. Updated July 2013. Mortgage arrears. How to cope with mortgage arrears
A Shelter guide Updated July 2013 Mortgage arrears How to cope with mortgage arrears Mortgage Arrears This guide provides information on how best to cope with mortgage arrears. It will help anyone who
More informationYOUR MORTGAGE ESSENTIAL GUIDE - Residential Home Mortgages
YOUR MORTGAGE ESSENTIAL GUIDE - Residential Home Mortgages Since the financial crisis in 2008 and Euro debt crisis in 2010, western countries financial systems have been damaged seriously. All governments
More informationThe Social Fund. Part of the Department for Work and Pensions
The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social
More informationThis guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to
This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to thank the members of the IVA Standing Committee for
More informationMarch 2008. Cyflwyniad i Denantiaid. Lleol. Y Lwfans Tai
Y Lwfans Tai Lleol Cyflwyniad i Denantiaid March 2008 Local Housing Allowance Money advice for Tenants March 2008 Local Housing Allowance: Money Advice for Tenants Local Housing Allowance is a new way
More informationa SUPPLEMENT to Learn About Money Personal Budgets YOUR MONEY
a SUPPLEMENT to Learn About Money Personal Budgets YOUR MONEY PB A Supplement to Learn About Money Personal Budgets Managing your money Section 1: How to plan your money 1.1 What are the benefits of preparing
More informationEquity release. Money matters. Deciding whether equity release is right for you. AgeUKIL6
Equity release Deciding whether equity release is right for you Money matters AgeUKIL6 Information and advice you need to help you love later life. We re Age UK and our goal is to enable older people across
More informationThe provider should tell you the cost of the loan and the separate cost of the PPI.
A consumer guide to payment protection insurance Introduction We have produced this leaflet to help you understand: what payment protection insurance (PPI) is and where you can buy it; how you pay for
More informationSwitching your mortgage deal
Switching guide 1 Switching your mortgage deal We re with you every step of the way Switching guide 2 Why switch? If you re thinking about switching your mortgage, you might not have to shop around. You
More informationBreathing Space Scheme
A guide to Regional Mortgage Assistance Loan Scheme Breathing Space HOMEOWNERS: IN DANGER OF LOSING YOUR HOME? Breathing Space Scheme www.wakefield.gov.uk Introduction If you are an owner occupier and
More informationFinancial protection for you and your family
Financial protection for you and your family Introduction Most of us believe life and other forms of protection insurance is a good thing. Protecting your family should underpin financial planning and
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance
More informationINSURANCE AND DIABETES TRAVEL INSURANCE. What is the best way to buy travel insurance? Things to remember
INSURANCE AND DIABETES People living with diabetes can encounter difficulties arranging insurance. Although diabetes can be treated, people with diabetes are more likely to develop medical complications,
More informationGovernment mortgage rescue scheme What will it mean for me and my family?
Government mortgage rescue scheme What will it mean for me and my family? What is mortgage rescue? Mortgage rescue is help that the Government is offering if: you are struggling to keep up with your mortgage
More informationRoll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage
Lifetime Mortgages Roll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage Using the value in your home for a better retirement Just Retirement s Lifetime Mortgages Who are we? Just Retirement Limited
More informationAdditional borrowing guide 1. Additional borrowing. We re with you every step of the way
Additional borrowing guide 1 Additional borrowing We re with you every step of the way Additional borrowing guide 2 What is additional borrowing? Sometimes you may be able to borrow extra money from your
More informationCroydon Housing Service Information Sheet 12
Croydon Housing Service Information Sheet 12 Money Matters how to deal with debt Mortgage Arrears If you're struggling to pay your mortgage, you need to act quickly - even if the problems are only temporary.
More informationHousing options for single parents
Formed from the merger of the National Council for One Parent Families and Gingerbread Factsheet For single parents in England and Wales February 2012 Freephone 0808 802 0925 Gingerbread Single Parent
More informationWork and cancer financial issues
Work and cancer financial issues This information is an extract from the booklet, Work and cancer. You may find the full booklet helpful. We can send you a copy free see page 7. Contents Taking time off
More informationYour endowment and your mortgage
Your endowment and your mortgage Helping you understand If you have an endowment mortgage you may be concerned about whether your endowment policy will provide sufficient money to repay your mortgage when
More informationGenetic conditions and insurance. What you need to know and what you need to tell
Genetic conditions and insurance What you need to know and what you need to tell About this booklet This information booklet has been produced to provide accessible and impartial information for people
More informationYour Mortgage Guide. The Exchange. Property Services Mortgage Services Letting & Management Services Conveyancing Services
The Exchange Property Services Mortgage Services Letting & Management Services Conveyancing Services Your Mortgage Guide Contents: Introduction... 3 The Financial Services Authority (FCA)... 3 What is
More informationInterest Only Mortgages Toolkit. Introduction
Interest Only Mortgages Toolkit Introduction The Money Advice Service gives free impartial advice and provides tools, calculators, videos and other resources across a wide range of money topics and life
More informationPrepayment Meters ( Pay As You Go ) A ScottishPower Charter
Prepayment Meters ( Pay As You Go ) Page 1 Introduction This charter tells you what you need to know about using a prepayment meter to pay for your electricity or gas. Section Contents Page 1 What You
More informationGetting financial advice
Getting financial advice The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices. We try to ensure that the information
More informationDebt Options Information guide
Debt Options Information guide Debt & Money Advice Support CIC (DMAS CIC) is authorised and regulated by the Financial Conduct Authority FRN: 631799. A company registered in England & Wales 9203918. 1
More informationA Guide to Releasing Capital from your Home
Advice for older people A Guide to Releasing Capital from your Home Advice provided by Advice for older people FirstStop Advice brings together the expertise of some of the most trusted and respected organisations
More informationConfident living. Managing your money. Confident living series: Managing your money
Confident living Managing your money Confident living series: Managing your money Managing your money Five top tips 1 Ask a shop what special offers they have. 2 Speak up for your rights, services should
More informationOther options for dealing with your debts
Other options for dealing with your debts This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can
More information197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT
www.metrofinance.co.uk Fourth Floor, Wards Exchange, 197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT ON THE FOLLOWING PAGES YOU WILL FIND INFORMATION TO HELP YOU
More informationKey Features Document
Key Features Document Customer Services Freephone: 0800 169 7733 Main switchboard: 020 8546 7733 Office hours: Monday to Friday, 9am to 6pm E-mail csd@uk.combined.com Website www.combinedinsurance.co.uk
More informationMORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE
MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE All you need to know about buying and protecting your home THE FSA More Choice Financial Ltd, The Rufus Centre, Steppingley Road, Flitwick Beds MK45 1AH is authorised
More informationHALIFAX CASH ISA. Conditions and information
HALIFAX CASH ISA. Conditions and information Welcome to Halifax 3 Section 1 How these conditions work 5 Section 2 Special Conditions 7 ISA Saver Variable 12 ISA Saver Online 13 ISA Saver Fixed 14 Junior
More informationKEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu
KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery
More informationKEY GUIDE Financial protection for you and your family
Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.
More informationResidential mortgages general information
Residential mortgages general information Residential mortgages general information 2 Contents Who we are and what we do 2 Forms of security 2 Representative Example 2 Indication of possible further costs
More informationDealing with Debt. How to petition for your own bankruptcy
Dealing with Debt How to petition for your own bankruptcy Contents 1. Where can I get advice about bankruptcy? 2. What are the alternatives to bankruptcy? 3. How do I petition for my bankruptcy? 4. How
More informationCredit explained. Data Protection. What is on my credit reference file? What are credit reference agencies? How do I get my credit reference file?
Data Protection Credit explained What is on my credit reference file? What are credit reference agencies? How do I get my credit reference file? What is credit scoring? How do lenders decide if they will
More informationMortgages explained. Call 01635 555777 Visit newbury.co.uk with effect from 1 January 2013. Mortgages. NEWBURY building society
Mortgages explained Mortgages Call 01635 555777 Visit newbury.co.uk with effect from 1 January 2013 NEWBURY building society About this booklet This booklet sets out all the information that you may need
More informationManaging bills and bank accounts
Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We
More informationHelp yourself to sort out your debts
Help yourself to sort out your debts You owe money on your credit card, your bank account is overdrawn and you re struggling to pay back a loan what can you do? This leaflet gives you some ideas. For more
More informationIntelligent Finance Conditions June 2014
Intelligent Finance Conditions June 2014 Introduction This booklet sets out how your Intelligent Finance plan works and the conditions that apply to it and the jars within it. Intelligent Finance no longer
More informationS t. James s P lace B ank C onditions June 2014
S t. James s P lace B ank C onditions June 2014 INTRODUCTION R This booklet sets out how your St. James s Place Bank account works and the conditions that apply to it and the facilities within it. If you
More informationhow the One account works all your questions answered 08456 000 00 1 oneaccount.com
how the One account works all your questions answered 08456 000 00 1 oneaccount.com Contact us By telephone 08456 000 00 1 By typetalk 08456 000 00 1 By textphone 08456 10 10 56 By post By web The One
More informationDealing with Debt. How to petition for your own bankruptcy
Dealing with Debt How to petition for your own bankruptcy Contents Where can I get advice about bankruptcy? What are the alternatives to bankruptcy? How do I petition for my bankruptcy? How much will it
More informationCCCS Debt Advice Guide
CCCS Debt Advice Guide Introduction As a registered charity, we help people with financial troubles by giving them free, impartial advice. If you need debt help, you have come to the right place; whatever
More informationAdviceguide Advice that makes a difference
Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or
More informationLOANS THAT ARE CLEAR AND SIMPLE.
CLARITY LOAN LOANS THAT ARE CLEAR AND SIMPLE. So the only surprises you get are nice ones. TALK TO US TODAY A Halifax Clarity Loan could be the answer to making some home improvements, replacing your car
More informationIf you have Parkinson s, or care for someone who does, you may have
Work, Symptoms money and and practical lifestyle matters General information about benefits If you have Parkinson s, or care for someone who does, you may have some concerns about how you will manage financially.
More informationFurther information about your mortgage
Do you need extra help? We want to help our customers in any way we can. If you have a hearing or speech impairment you can use Text Relay (previously Typetalk) or Textphone on 08457 32 34 36 (lines are
More informationDO YOU HAVE DEBT WORRIES. Where to get free debt advice
? Where to get free debt advice East Cambridgeshire District Council www.eastcambs.gov.uk Large Print, CD and other formats are available on request Polish Portuguese If you need this leaflet to be translated
More informationA guide to overpayments and debt
If you have any questions about Housing Benefit or Council Tax Benefit please contact us by: Phoning us on 0300 123 70 70 Visiting your local council office, or looking at our website www.durham.gov.uk
More informationHelp first-time buyers get on the protection ladder
For advisers only Help first-time buyers get on the protection ladder Affordable cover for your clients Mortgage opportunities. Protect more than just the bricks and mortar. What s inside 1 Helping your
More information