Welcome to Refinance Home. The place to find information on how to refinance your home. Whether you have bad credit and need a home loan, or whether you are in good credit you will find articles, links and information aimed at helping you decide which service you will require. When you refinance your home you need to be aware of common mistakes people make and loan sharks, make sure you read and bookmark us so you don't miss this vital information.
Millions of pensioners gripped by fuel poverty
A growing number of UK pensioners are falling into fuel poverty as a result of high gas and electricity prices, according to a new study from Age UK.
An ICM survey conducted on behalf of the charity found that nearly half of the 1,000 pensioners polled said they turned their heating down when not warm enough in an effort to save money.
The study also revealed that 2 million pensioners around the country are regularly going to bed when they are not tired just to keep warm.
Mervyn Kohler from Age UK was quoted in the Guardian as saying, ‘The figures are stark and show that people have been shaken rigid by the enormous rise in prices we saw in the second half of last year, and for individuals living on fairly straitened incomes, that hike in one of the two essential areas – the other being food – has really put the frighteners on our older population,’
She continued, ‘People who are cutting back on the amount of fuel they are using are jeopardising their health. They are going to… Continue To Read This Post..
Cape Verde – The Country With No Recession and Huge Tourism Growth !
Cape Verde – The Country With No Recession and Huge Tourism Growth !
Cape Verde is a fantastic place to invest and has seen a huge growth in GDP over the last few years as shown in the chart below :
At the same time the rate at which the country’s GDP is growing is consistently much higher than the UK :
Tourism growth is running at a recent rate of 20% per annum and this is set to continue but even long term growth in tourists runs at 7.2% per annum which is helping keep the country in a continuous state of undersupply and healthy returns for investors in well managed resorts.
In addition Boa Vista is clearly the island everyone wants to be on and it has eaten into market share rapidly as new hotels open with Sal in particular losing out.
Cost of raising a child hits £218,000
The cost of raising a child to the age of 21 rose by 3.3% to£218,024 over past year, according to a study by LV=.
The insurer’s annual Cost a Child report found cash-strapped British parents now have to fork out £10,382 a year, £865 a month or £28.44 a day on each of their children. The study also found that 76% of parents said they had been forced to make cutbacks to their budgets due to financial pressures over the past 12 months.
Although the rise in the cost or raising a child is considerably above the increase in average incomes over the last 12 months, it is below the Consumer Prices Index (CPI) of inflation, which fell last month to 4.2%. This year’s total is up from the £211,113 annual cost of child-rearing recorded in last year’s study.
The overall cost of bringing up a child has risen by 55% from £140,000 in 2003 when the insurance firm first published the report.
Education is the biggest drain on parents’ back accounts before their offspring reach 21. The amount mothers… Continue To Read This Post..
Conveyancing for Remortgaging
The Conveyancing process for remortgaging
Re-mortgaging is the transaction or process of transferring your mortgage from one product to another. A re-mortgage can be with your existing lender, where you are moving to a different rate or deal, or perhaps borrowing more money to pay for a loft conversion for example. Alternatively, you may wish to move to a new lender entirely, to take advantage of better rates.
If you are considering re-mortgaging let our qualified mortgage advisers do the work for you.
Get a Quote – Request a callback call now on
If you have decided to go ahead with a re-mortgage, your next step will be to instruct a qualified conveyancer.
Use our free Conveyancer Comparison service to find the best conveyancer for you
Below is a step by step guide as to what happens in the re-mortgage process.
Firstly, chose a mortgage product and instructed a conveyancer.
Your conveyancer will then request your property title deeds from your existing lender. They will also request a redemption statement. This will establish exactly
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UK families increase debt by half
Cash-strapped UK families increased their levels of personal debt by 48% over the past year, according to a report from a leading insurance firm.
Aviva’s Family Finances report found the average British family currently owes some £7,944 in unsecured borrowing, compared with just £5,360 in January 2011. The increase in debt levels is in spite of the fact that the typical monthly net income of families in the UK rose by 7% to £2,066 over the last year, up from £1,937 in January, 2011.
The Aviva report said rising incomes had failed to keep pace with soaring prices for essential items such as food and fuel, even though the increase in average incomes it reported outstripped the rise in the Consumer Prices Index (CPI) measure of inflation over the past year.
Worryingly, the number of families saving nothing each month rose to a record high of 42% over the past year, according to Aviva’s research. The average amount saved by households that do manage to put something by each month fell slightly from £22 in January 2011 to £21 this year. Despite… Continue To Read This Post..
The Time is Right for Fully Comprehensive Cover!
Whether you’re new to the world of UK insurance or you’ve had a policy for a while, it never hurts to know all of your options. One of the options that people skip over is fully comprehensive car insurance. In the US, this is what’s often referred to as full coverage insurance. Either way, its meaning is simple: it covers virtually every potential claim. If you have gotten into an accident and you’ve damaged your car as well as someone else’s, your insurance cover would handle both sides of the accident (if you are deemed to be at fault, it will protect you against damages from the other party), including your own injuries.
It goes without saying that fully comprehensive insurance is one of the most expensive types of car insurance you can choose. On average, it’s about fifteen and twenty-five percent more than third party fire and theft cover. It does protect your car from total loss — where it costs more to repair the vehicle than to just buy a new one. In addition, all of your car… Continue To Read This Post..
Looking for the best remortgage rates information and deals? Mortgage deals in the UK are constantly changing due to the financial climate. On this site you will find the latest information for getting the best remortgage deals to help you save money.