Commonly overlooked factors when choosing a home loan
As the mortgage lending industry becomes more and more competitive, lenders have started to offer ingenious, complex and sometimes downright confusing loan structures. That’s right folks, structure is one of the most overlooked factors when choosing a home loan.  Typically, the basic differences are clear to most of us lay people. We usually look at…

Many of us who worry about our credit know this simple fact: qualifying for a new loan is never a given. Having a poor credit history, low or inconsistent income can be a massive barrier to getting a new loan. While I would often advocate borrowing from friends and family for small loans, sometimes the…

Often on this blog, I talk about how payday loans are one of the options you can consider when you find yourself in a financial pinch. I talk about these things because some readers find themselves in desperate situations where they need financial help to tide them over, even after they’ve taken steps to help their…

We recently spoke about the best way to finance a budding startup. However, funding options are necessary at every stage of a business’ life cycle. For strong, established businesses with a track record of profitability this step is relatively straightforward. In fact, most banks would be clawing to give you a loan. You’re a low…

On this personal finance blog, we sometimes speak of increasing wealth through entrepreneurship. A side hustle such as selling your crafts or blogging can really help to line your pockets, but it certainly won’t make you a millionaire quickly. That’s why many people would still like to explore the path of the startup – a…

I Have Bad Credit but Need a Loan – Is there any hope?
If you’ve been following my blog, you’d be aware that a financial crisis can strike us at any time. An unexpected and unforeseen expense, (like a medical emergency or urgent car repairs) can make every day living all the more challenging. I usually advise that one of the first steps towards financial security is to…