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MoneyExpert TV with Andrew Montlake of Cobalt Capital

Added: 19 Aug 2008

Infocus: Mortgages

Latest News

UK mortgage lending in August broke records for the tenth consecutive month, the Council of Mortgage Lenders (CML) has announced.
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Despite shrill complaints from lobbyists and fevered media speculation on the next move, most Britons say that they are entirely unaffected by the recent interest rate rise.
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Homeowners could raise the initial costs of a holiday home in an up-and-coming investment market simply through smart remortgaging, says research for New Skys.
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Our arrangement fee explaned

As with many financial services there are costs involved in the setting up of the product.
By charging an arrangement fee we can offer;
no hidden costs during the lifetime of your loan more competitive rates
Part of the arrangement fee covers our costs, which include;
property valuations surveys legal costs administration and overheads land registration costs credit searches
What is our fee and how is it calculated?

Our arrangement fee is &pound995, we will add it to your loan and you will be charged interest on it.
Product Details Loan Amount Typical % APR Monthly Repayment Total Repayment Interest Rate Apply
Moneyback Bank Moneyback Bank Personal Loan £10,000.00 7.8% £201.81 £12,108.49 7.8% [image]
Lombard Direct Lombard Direct (internet) £10,000.00 7.8% £201.81 £12,108.49 7.8% [image]
AA AA Personal Loan (Internet) (Non-Members) £10,000.00 8.5% £205.17 £12,309.92 8.5% [image]

* Applicants seeking a homeowner loan are more likely to be accepted although typical APR's may vary.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME.

Expert Panel

Looking for the latest money advice and tips?  Wondering who to trust?

Help is at hand - MoneyExpert has joined forces with four well respected national newspaper journalists who will together bring you the latest money stories, tips and advice, exclusive to MoneyExpert.com.

Every week our panel of journalists will post two articles on the hot money issues of the moment to help you keep on top of your finances.

View all articles by Clinton Manning

Clinton Manning

View all articles by Myra Butterworth

Myra Butterworth

View all articles by Emma Simon

Emma Simon

View all articles by Charles Batchelor

Charles Batchelor

No nonsense, no jargon, no fear. Just caustic comment and simple advice. A broadsheet brain with a tabloid tongue.

Clinton Manning,
Business Editor,
Daily Mirror

Don’t get yourself in a big fix

The credit squeeze is panicking huge numbers of homebuyers into long-term mortgage deals. The number of people signing up for 10-year loans has almost doubled in the past year. ...
Read more from Clinton's latest article

I spend my days writing about your money. Far too often people are overwhelmed by the serious and stressful nature of money, but my articles aim to provide you with an entertaining and thought-provoking read, while at the same time offering you some practical solutions to your financial challenges.

Myra Butterworth,
Personal Finance Reporter,
Daily Telegraph

Don’t rule out standard variable rate mortgages

Slipping onto the standard variable rate (SVR) at the end of your initial mortgage deal used to be something that less savvy borrowers found themselves doing. The thousands of mortgage deals that were available meant if you were organized you could remortgage onto another deal without going anywhere near your lender’s much higher SVR....
Read more from Myra's latest article

I juggle writing about finances with family life. Like most busy people I understand that it is easy to let money matters slide to the bottom of the 'to do' list. So I hope my articles here are practical, easy to understand and above all concise.

Emma Simon,
Deputy Personal Finance Editor,
Telegraph Media Group

Don’t get caught in your overdraft for long

Banks used to trawl through your credit history looking for good reasons to lend you money. Now the reverse is true, and they are scouring the small print for excuses to turn you down flat. Not surprisingly more people are turning to overdrafts to help make ends meet....
Read more from Emma's latest article

Managing your personal finances is vital for peace of mind but is regarded by many people as a chore. My articles are intended to provide a painless way into the subject.

Charles Batchelor,
Former Deputy Personal Finance Editor,
Financial Times

Cheap energy deals hard to come by

The latest round of steep increases in gas and electricity prices has given an added urgency to the search for attractive deals. Unfortunately for consumers, the situation is changing so rapidly that many of the best fixed-rate offers are being withdrawn. At least seven fixed-rate tariffs have been scrapped in recent times....
Read more from Charles' latest article

You don't need to be a rocket scientist to understand money matters, but financial jargon can make it feel that way. My aim is to produce articles which are always clear, concise, and above all, in plain English.

Melanie Wright,
Money Editor, Sunday Mirror

Don’t get caught out by student account gimmicks

There are just weeks to go before A level results are out, when school-leavers will discover if they have made the grades to get to university. Banks offer plenty of tempting incentives to entice students to join, but it’s important not to get side-tracked by these and instead to focus on the more important things, such as the interest-free overdraft....
Read more from Melanie's latest article

Feature Articles

Preparing For A Worst Case Scenario

If you’ve ever applied for credit, whether in the form of a personal loan, mortgage or credit card then the chances are that your provider has tried to sell you payment protection insurance too. ... Read more

Full base rate cut passed on by Halifax

Halifax is passing on the full Bank of England base rate cut along with Birmingham Midshires, Bank of Scotland, Intelligent Finance and the Mortgage Business. ... Read more

C&G and Lloyds TSB to pass on full interest rate cut

Lloyds TSB and Cheltenham & Gloucester (C&G) are amongst the banks to cut fixed-rate mortgages for existing customers following the Bank of England's 1.5 per cent base rate reduction last week. ... Read more

AFTER THE ICELANDIC THAW

For those with savings frozen in Icesave, the last few weeks may well have involved the odd sleepless night. Despite Government assurances there has been little confirmation of how and when savers will regain access to their funds. ... Read more

BALANCE TRANSFER MERRY-GO-ROUND IS GRINDING TO A HALT

Borrowers planning to transfer credit card debts are facing a clampdown by card firms as the number and length of deals are cut, according to new analysis ... Read more

View all Feature Articles

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