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Finance Directories and Portals
Personal Loans UK
- Personal low cost secured loans Mortgages and remortgages - What is a self cert or self declaration mortgage ?Self employed people can often be unable to prove income for a variety of reasons. A self certification mortgage , also known as a self declaration of income, self cert or self dec mortgage, lets self employed people state their income with no proof. This means that sole traders and company directors can apply for a mortgage in the same way that employees with payslips can IVA - Individual Voluntary Arrangement - What is an IVA ?An IVA is an Individual Voluntary Arrangement which is designed to free you of all your debt after five years. An IVA is a legally binding arrangement with your creditors which allows you to repay your debts in affordable monthly payments over a fixed period of time, usually five years. An IVA is an alternative to bankruptcy, it is set up by an Insolvency Practitioner who is responsible for liaising with your creditors and ensuring that you make all of the agreed payments. IVA advice and information from an IVA Insolvency practitioner Debt Management - What is a Debt Management plan ?A
debt management plan is an informal arrangement between you and your
creditors, where you make an affordable monthly payment to repay your unsecured
debts. We speak to your creditors for you and once you are on a Debt Management
Plan, all calls or letters demanding payments should cease.
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