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stephenmorgan's Articles

  • Overdue Refunds Now Provided by Banks
    In the UK, Banks have been ordered by the financial watchdog, the Financial Services Agency (FSA) to refund Mortgage Exit Fees to clients they have overcharged when they redeemed a Mortgage. This is of major significance to those involved within the areas of Debt Management, Debt Settlement and Bankruptcy in general as these figures could be quite substantial overall.
  • Basic Issues to Consider When Purchasing Your First Home.
    When you finally decide to make the first decision to purchase a home the chances are you will probably find yourself feeling very nervous and slightly on the pressure.Once you've made the decision to purchase you'll probably find yourself eager for whatever information you can find.

    Before you buy a home, it always helps to learn all that you can. The first thing you’ll need to do when buying a home is to find out just how much you can qualify for or afford to borrow.
  • Mortgage Lenders Concerned to avoid Crisis
    Cash-strapped offspring are increasingly turning to their parents for help, with almost half of first-time buyers now reliant on their families to help fund their first property, according to the Council of Mortgage Lenders.
  • A Basic Guide to Buying Your First Home
    For a first time home buyer, the process can get quite overwhelming, giving you the feeling that the financial decisions are rapidly spinning out of control. When it comes to real estate, most people don’t have a lot of experience or know a lot about it. In all actuality, buying a home is actually a simple process. All you need to do is understand the basics, which will go a long way in helping you buy your very first home.
  • Bulgaria – Real Estate Hotspot in Europe
    The general perception in real estate and property investment circles is that at the moment the place to be involved in is Bulgaria.
  • Key Real Estate Investment Information Packs Facing Legal Challenge
    A key policy that was once the cornerstone of the new Labour manifesto in 1997 is facing an important legal challenge. The Home Information Packs or HIP’s for short that are due to become law in England and Wales in June 1st run the risk of becoming a complete and utter non-starter.
  • Getting a “Real” Real Estate Agent Could Help You Sell Your House Properly
    It might not be rocket science but it is safe to assume that actually selling your home is not necessarily that easy an undertaking. The logic behind this assumption is fairly simple in that if it is was then there would be no need for Real Estate Agents.
  • The Hidden Cost of Bankruptcy
    Bankruptcy is a contentious word for a whole number of reasons. Firstly it relates to a situation whereby a Debtor not being able to satisfy or compound to his Creditors a suitable amount has to turn to the Courts for protection and at the end of the day everyone loses out. Let me repeat that - no one is a winner here.
  • Beware Bank Robbers on the horizon
    I have a client who at this time of year has financial problems. Christmas tends to encourage more expenditure than is good for you.. Christmas tends to leave all of us with bills at the end of the day that we would rather not have.

    It is usually at this moment in time when we are in need that the Banks make a killing trying to offer us even more money, offering us deals left right and centre to help us smooth our way out of debt into even more debt (if the truth and the small print be known).
  • Avoiding the hidden pitfalls and traps of certain types of Debt Consolidation
    “It’s very easy sir, we can help with debt consolidation in a number of ways. Let us know exactly how much you owe, who the debts are to and for a fixed fee we take care of all of the rest. Your credit record will start to be rectified the moment you put down this telephone. So begins your escape from Credit hell...or does it?

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