Your annual statement
Use your annual statement to check that your mortgage details are as you would expect them to be. The statement will include:
* The date and amount of payments you have made during the year, compared to those that were due, including payments for any tied products that you took out through your lender (e.g., building insurance).
* The cost of paying off the mortgage, including any early repayment charges.
* The term remaining on the mortgage.
* The balance of the loan still owed, at the statement date.
* The amount of interest you have been charged, over the year.
* Where early repayment charges apply, the date that they will stop.
A self-certification mortgage is a special type of mortgage designed for self employed people. Normally a bank or mortgage lender will want to see pay slips from the mortgage applicant's employer. However since self employed people do not have pay slips this type of mortgage enables the applicant to apply without proof of earnings, instead submitting earnings forecasts sometimes backed up by an accountant.
Most cyclists, perhaps surprisingly, have no kind of insurance against theft or accident, but with numbers of cyclists killed and injured on the roads increasing year on year it is worth spending that little extra for the peace of mind.
With the total cost of a degree averaging out at nearly ?29,000 per student (post-degree debts can be ?10,000 and over) it is vital to mitigate against any unnecessary expenditure. One of your first decisions as a student is to select a bank account, remembering that tempting introductory incentives may blind you to more practical factors, such as the account's overdraft interest rate - important as most students invariably built up large overdrafts during their time at university.
If you are organised, there is the potential to make some quite tidy profits through the cunning use of credit cards and those who provide them. The following is one technique that you may find effective, but it does require you not to have any previous credit card debts outstanding.
The Quickest Way To Repay Debts
Yes, it sounds obvious but the quickest way to repay your debts is to make sure the amount you pay is the smallest possible. So repaying ?1,000 at 17.9% interest is going to be far more expensive than an interest rate of 5%.
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