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Financial Health check

 0845 466 0278

 

Mortgages
The mortgage market has never been so competitive, so much so that most mortgage companies currently offer cashback incentives or reduced interest rates to attract your business, which is great news for the general public, especially if you shop around regularly to obtain the best deal to match your circumstances. These incentives are often big enough to reduce debt problems to a manageable level, or to enable you to clear them completely. If you have not had your mortgage appraised within the last 24 months, we recommend you speak to one of our advisers, you may be pleasantly surprised at the savings you could make.

Credit Cards & Store Cards
Paying off the minimum amount of your credit cards each month costs you a fortune. If you were to borrow £1000 on a standard rate credit card, and pay the minimum payment each month, you would pay back approximately two and a half times the amount you borrowed, and it would take about eighteen years to pay it back!

If you were to tear up your credit cards and add the borrowing to a new mortgage or consolidation loan at a keen rate, you could save yourself literally thousands of pounds.

Overdrafts
As with credit & store cards, if you are constantly using an overdraft facility, you are likely to be paying very high interest charges. If this borrowing were transferred to a low interest rate loan or added to your existing mortgage, your monthly outgoings can be reduced significantly.

Finance Health Check form
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  2. Approx Overdraft
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  3. Approximate Mortgage Value
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  5. Your Name(*)
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  • Mr & Mrs A from Tewkesbury wrote:


    "We would like to thank you both very much for the handling of our financial situation and for making our lives so much easier. We were extremely impressed with your professionalism and knowledge of the system, and the way in which you both gave us advice and guidance throughout the negotiations – always there to answer our questions and put our minds at ease.

    We are thankful that a satisfactory agreement was reached and that we can look forward to the future with new enthusiasm. This could not have been done so swiftly and hassle-free without you both. Thank you.”

  • Mrs J from Sheffield writes:


    “Hi Wally, Just wanted to say many, many thanks for helping me get my IVA. This really is a fresh start for me now in every way. I feel very, very lucky and grateful that I picked up the phone all those months ago and spoke to you that day. You were always very positive which helped me a lot and you never judged me. You really do help change people’s lives for the better.”

  • Mr H from Solihull writes

    "What would I do without you? Well done and thanks again."

  • Mark S from Canterbury writes


    "Wally, your advice has been invaluable. I hadn't realised how much extra money everything was costing me due to the bank overdraft and my outstanding credit card bills. Now that I've cleared both, it's very much easier to stay within my budget. A simple bit of free information you provided to me has changed my life."

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News

Friday November 04 2011
  Personal insolvencies fell slightly in the third quarter of 2011, according to the Insolvency Service,...
Thursday June 02 2011
The Financial Services Authority (FSA) has announced a raft of measures to stamp out shoddy...
Thursday June 02 2011
  Online stores are charging shoppers almost twice the rate of major credit cards when they...

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Did You Know

  • According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.


    Britain's personal debt is increasing by £1 million every four minutes.