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borrowing through a credit union

Borrowing through a credit union

When you’re looking for credit, the most obvious places to apply are the bank and payday loan lenders. However, did you know borrowing through a credit union could be a better option? Credit unions often offer lower rates than other lenders and there are no third parties taking a cut of the profits. They have

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What is second mortgage borrowing

What is second mortgage borrowing

We all have an understanding of exactly what a mortgage is; where you gain the finances to buy a property through a bank or building society. However, it’s not always clear what is meant by a second mortgage and how this affects your initial borrowing. What is a second mortgage? A second mortgage refers to

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The best credit cards for spending

The best credit cards for spending

If you’re searching for a new credit card, then it can be hard to see exactly which the right one for you is. It’s beneficial to choose one that matches your particular needs, for example saving rewards or clearing existing debts. This way the interest rate and features will be more suited to your particular

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Ending a fixed term tenancy agreement

Ending a fixed term tenancy agreement

If you are planning to move home but have a fixed tenancy agreement with your landlord you may find it tricky to get out of. The nature of a fixed tenancy agreement means that you can’t simply give notice and move out. Instead, your landlord can insist that you continue to pay rent on the

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What is a 0% credit card

What is a 0% credit card

‘Credit’ has become a bit of a dirty word of late. Lenders have been lambasted for irresponsibly chucking money at people, with little thought or care for how mounting debts can wreck lives. But hang on a sec – let’s not forget that credit originated as a way of giving people access to cash in

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credit card do's and dont's

Credit card do’s and dont’s

We have a love:hate relationship with credit cards, those innocuous little plastic rectangles that sit in our pockets. On the one hand they offer instant access to all our heart’s desire – well, up to our credit limit anyway. And on the other hand they can quickly become the root of untold financial difficulties through

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