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Freqently Asked Questions
Articles and Information
Information
Articles on Loans, Mortgages and Financing:
What is
Credit? - Buying on Credit means having something now and paying for
it later. You will usually end up paying back more than you borrow as the
lender will probably charge interest. The lender is in business and aims
to make a profit. Read more about credit on this page.
Getting Credit - There are lots of ways of getting credit. You can buy a bike on hire purchase; use a credit card to fill up the petrol tank; open a budget account to buy clothes; take out a personal loan with a finance company to pay for furniture; take out a loan from a bank to pay for a holiday or take out a mortgage from a building society, bank or finance house to buy a flat. Before you try any of them, it's important you know how they work so that you understand what you're letting yourself in for before it's too late to change your mind.
Consumer credit act 1974 - There are very strict rules about lending and borrowing and most of them are laid down in the Consumer Credit Act. They're there to protect you! Most of the rules in the Act apply to credit agreements, whatever the type of credit, where the amount you borrow (the amount of credit) is £15,000 or less. Read about the Consumer credit act on this page.
Money and Credit - Before you borrow - Provides some guidelines for borrowers. before you take out a loan, you might want to read this information. Published by the Office of Fair Trading. On this page find out how to work out what you can afford to borrow and how much the repayments will really cost you.
Methods of Borrowing - Read about different methods of borrowing money including Hire Purchase, Bank loans, Overdraft, Finance company personal loans, Insurance policy loans, Credit cards, Moneylenders/pawnbrokers and more.
How to shop around for credit - Read about how to shop around for credit including what to consider before you borrow money.
Money and credit - if you borrow - If you decide that you are going to take out a loan or buy something on credit this page tells you about applying for credit, ways to borrow and what happens after you've signed the agreement.
Do you have a loan? Are you thinking of getting a loan? - Explains some important changes to the Consumer Credit Act of 1974, which provides a range of protection to consumers and covers most loans, credit card agreements, and hire agreements.
Money and credit - if you've borrowed too much - This page should help you take control of your finances by using a step by step approach to sort out your finances. Includes information about about getting debt advice, balancing your books and making an action plan.
Money and credit - where to go for help - List of organisations that provide debt help in the UK.
Credit Concerns - Read about credit issues that concern you.
Budgeting - Tips on Budgeting - Whatever the source of your income, you probably need to spend your money sensibly, so careful budgeting is very important. This page gives tips on budgeting.
Getting a Fair Deal on A Mortgage - Before you decide which mortgage would suit you best, here are 10 questions the Government suggests you should ask on issues which have caused problems for consumers.
Money and credit - what type of plastic? - If you decide to use a card to buy goods or services use this list to decide which one is best for you. There are hundreds of cards available but most fall into one of these categories.
Using an estate agent - selling a property - Using an estate agent can be a complicated business, so it makes sense to know your rights, the pitfalls and how to get problems sorted out. Here you can find out about using an estate agent when you are selling a property and when you are buying a property, and there's advice on what to do if things go wrong.
Using an estate agent - buying a property - Estate agents provide advice and property details to buyers. This page provides a guide on buying property using an estate agent. Read about property particulars and viewing, making an offer, gazumping, repossessed properties, deposits, mortgages, surveys and valuations, legal advice.
Using an estate agent - if things go wrong - Read about what to do if you are unhappy with your estate agent's services or feel you are being treated unfairly.
Using a pawnbroker - how it works and what your rights are - You can go to a pawnbroker for a loan, but you will have to leave something valuable (the pawn) as security. This page provides a guide on this topic.
Using a pawnbroker - if things go wrong - On this page you'll find advice on what to do if you lose your pawn-receipt or if you cannot pay what you owe.
Money and Credit - Before you borrow
Do you have a loan? Are you thinking of getting a loan?
Getting a Fair Deal on A Mortgage
Getting Credit - There are lots of ways of getting credit. You can buy a bike on hire purchase; use a credit card to fill up the petrol tank; open a budget account to buy clothes; take out a personal loan with a finance company to pay for furniture; take out a loan from a bank to pay for a holiday or take out a mortgage from a building society, bank or finance house to buy a flat. Before you try any of them, it's important you know how they work so that you understand what you're letting yourself in for before it's too late to change your mind.
Consumer credit act 1974 - There are very strict rules about lending and borrowing and most of them are laid down in the Consumer Credit Act. They're there to protect you! Most of the rules in the Act apply to credit agreements, whatever the type of credit, where the amount you borrow (the amount of credit) is £15,000 or less. Read about the Consumer credit act on this page.
Money and Credit - Before you borrow - Provides some guidelines for borrowers. before you take out a loan, you might want to read this information. Published by the Office of Fair Trading. On this page find out how to work out what you can afford to borrow and how much the repayments will really cost you.
Methods of Borrowing - Read about different methods of borrowing money including Hire Purchase, Bank loans, Overdraft, Finance company personal loans, Insurance policy loans, Credit cards, Moneylenders/pawnbrokers and more.
How to shop around for credit - Read about how to shop around for credit including what to consider before you borrow money.
Money and credit - if you borrow - If you decide that you are going to take out a loan or buy something on credit this page tells you about applying for credit, ways to borrow and what happens after you've signed the agreement.
Do you have a loan? Are you thinking of getting a loan? - Explains some important changes to the Consumer Credit Act of 1974, which provides a range of protection to consumers and covers most loans, credit card agreements, and hire agreements.
Money and credit - if you've borrowed too much - This page should help you take control of your finances by using a step by step approach to sort out your finances. Includes information about about getting debt advice, balancing your books and making an action plan.
Money and credit - where to go for help - List of organisations that provide debt help in the UK.
Credit Concerns - Read about credit issues that concern you.
Budgeting - Tips on Budgeting - Whatever the source of your income, you probably need to spend your money sensibly, so careful budgeting is very important. This page gives tips on budgeting.
Getting a Fair Deal on A Mortgage - Before you decide which mortgage would suit you best, here are 10 questions the Government suggests you should ask on issues which have caused problems for consumers.
Money and credit - what type of plastic? - If you decide to use a card to buy goods or services use this list to decide which one is best for you. There are hundreds of cards available but most fall into one of these categories.
Using an estate agent - selling a property - Using an estate agent can be a complicated business, so it makes sense to know your rights, the pitfalls and how to get problems sorted out. Here you can find out about using an estate agent when you are selling a property and when you are buying a property, and there's advice on what to do if things go wrong.
Using an estate agent - buying a property - Estate agents provide advice and property details to buyers. This page provides a guide on buying property using an estate agent. Read about property particulars and viewing, making an offer, gazumping, repossessed properties, deposits, mortgages, surveys and valuations, legal advice.
Using an estate agent - if things go wrong - Read about what to do if you are unhappy with your estate agent's services or feel you are being treated unfairly.
Using a pawnbroker - how it works and what your rights are - You can go to a pawnbroker for a loan, but you will have to leave something valuable (the pawn) as security. This page provides a guide on this topic.
Using a pawnbroker - if things go wrong - On this page you'll find advice on what to do if you lose your pawn-receipt or if you cannot pay what you owe.
Money and Credit - Before you borrow
Do you have a loan? Are you thinking of getting a loan?
Getting a Fair Deal on A Mortgage
Other useful web sites to visit:
Secured Homeowner Loans - provides free information about secured home owner loans. You can apply online in minutes.
Home Equity Loans - Provides information about Home equity Loans and equity release loans for UK home owners and mortgage payers.
Best Debt Consolidation Loans - Information about about how best to consolidate your debts and how to apply for a cheap debt consolidation loan.
Council Right To Buy Mortgages - Offers useful information about council right to buy mortgage scheme. Probably the only site with a complete guide on council right to buy mortgages.
UK Loans and Mortgages - Provides a quick way to apply for a UK loan online. One application form for any type of loan. Includes bad credit loans and mortgages.
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Venister Finance is a Licensed Credit Broker, Licensed by the Office of Fair Trading. Our License Number is 523776. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Loans secured on property. Written details on request.
Contact Details: Venister Finance, Intermediary Service, Kings Gardens, Huntingdon, PE29 7LL
Telephone: Mobile: 07779 577884
Fax: 07092 309561
Thanks for visiting Venister Finance - The UK Loans and Secured Loans web site.