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Money rss

Savers squeezed out by low interest rates

THEY pledged to get Britain saving again. In reality they’ve achieved quite the opposite, punishing prudence and removing incentives to save.

Experts are mystified as to why more homeowners havent unlocked their mortgage and taken a cheaper loan. Picture: TSPL

Homeowners miss cheaper loan deals

HOMEOWNERS in Scotland are missing out on a golden opportunity to slash costs by failing to take advantage of rock-bottom mortgage rates, it has been claimed.

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Edinburgh's Capital Credit Union offers member short-term, easy-access loan products. Picture: Jon Savage

Credit unions take on payday lenders

CREDIT unions in Scotland are targeting both banks and payday lenders following the launch of a scheme aimed at boosting membership of the mutuals.

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Jeff Salway: Anger growing over behaviour of banks

WE CAN call it the “Goodwin effect” if you like. I’m referring to the growing propensity of people in Scotland to complain about the banks.

How to boost your chances of getting a mortgage

THE days of lying to obtain a mortgage are back as a growing number of borrowers and brokers respond to stricter lending criteria by filing false loan applications.

Jeff Salway: Flood victims face insurance nightmare

HOME insurance is one of those financial products that’s taken for granted; it’s essential but it’s easily available and usually affordable. Where would homeowners be without it?

Jeff Salway: Chancellor’s schemes set for disaster

OUR Chancellor may this weekend be pondering Robert Burns’ observation that “The best-laid schemes o’ mice an’ men / Gang aft agley”.

Jeff Salway: Band freeze extends IHT net

FOR a tax that very few people have to pay, so-called “death duties” inspire a rare degree of hostility and fear. But with the government freezing the threshold above which inheritance tax (IHT) is charged at 40 per cent, a growing number of Scots are planning ahead to ensure their beneficiaries aren’t landed with a hefty bill when they pass on.

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Friday 24 May 2013

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