Independent.ie - Personal Finance RSS Feed

    Brexit pensions saved after deal between Irish and UK governments

    Brexit pensions saved after deal between Irish and UK governments


    The governments of Ireland and Britain have guaranteed the continued payment of state pensions, child benefit and other social welfare payments in the event of the UK crashing out of the EU without a...

    The governments of Ireland and Britain have guaranteed the continued payment of state pensions, child benefit and other social welfare payments in the event of the UK crashing out of the EU without a deal.
    Almost half of properties snapped up by cash buyers

    Almost half of properties snapped up by cash buyers


    Almost half of all the residential properties bought last year were purchased with cash or...

    Almost half of all the residential properties bought last year were purchased with cash or savings.
    Thousands seek green cards to drive in UK as insurers waive fees

    Thousands seek green cards to drive in UK as insurers waive fees


    Thousands of drivers are applying for green cards needed to travel to the North and UK if there is a crash-out Brexit, with insurers now waiving the...

    Thousands of drivers are applying for green cards needed to travel to the North and UK if there is a crash-out Brexit, with insurers now waiving the fees.
    David Fahy: 'Jury still out on European and US stocks as global recession looms'

    David Fahy: 'Jury still out on European and US stocks as global recession looms'


    During the best part of the noughties, European stocks outstripped their US peers. However, since the global financial crisis of 2008, there has been a distinct divergence in the opposite...

    During the best part of the noughties, European stocks outstripped their US peers. However, since the global financial crisis of 2008, there has been a distinct divergence in the opposite direction.
    Should I hold on to investment property?

    Should I hold on to investment property?


    Query: I have a two-bed investment property which I rent out for €19,200 a year. My tax returns cost €7,200 a year, management fees are €2,000, property tax is €800, the cost of the mortgage repayments on the investment mortgage is €13,200 a...

    Query: I have a two-bed investment property which I rent out for €19,200 a year. My tax returns cost €7,200 a year, management fees are €2,000, property tax is €800, the cost of the mortgage repayments on the investment mortgage is €13,200 a year, mortgage protection insurance is €800 a year, and the term left on the investment mortgage is 151 months. I have paid €157,000 off my own mortgage on my own house. I am a PAYE worker with income of about €60,000. Should I pay extra off the investment mortgage and keep the investment property - or should I sell the investment property? I've worked out that this investment property is costing me €24,000 a year - and I only get €19.200 rent so I'm making an annual loss of €4,800. David, Dublin

    Charlie Weston: 'Tracker redress scheme far from finished, contrary to what banks would have us believe'


    The banks would have us believe that the tracker mortgage scandal is nearing an end. Don't believe it for a minute. The tracker mortgage rip-off story was first broken by yours truly just short of a decade ago. Given the way some of the cases are being...

    The banks would have us believe that the tracker mortgage scandal is nearing an end. Don't believe it for a minute. The tracker mortgage rip-off story was first broken by yours truly just short of a decade ago. Given the way some of the cases are being handled it has a year or two to go yet.
    Rental, refunds and romance...beware of the scams designed to fleece you of thousands

    Rental, refunds and romance...beware of the scams designed to fleece you of thousands


    A good friend of mine was caught out by a scam before Christmas. He received a call on his home phone from an individual who claimed to be from Mastercard. The individual told him that a fraudster had got his hands on his debit card and used it to steal...

    A good friend of mine was caught out by a scam before Christmas. He received a call on his home phone from an individual who claimed to be from Mastercard. The individual told him that a fraudster had got his hands on his debit card and used it to steal money from his account.

    Can 'Big Brother' technology clean up palm oil's image?


    Some of the world's major palm oil users, including Nestle, Unilever, and Mondelez, are trying out new satellite technology to track deforestation, as pressure grows on them to source the ingredient...

    Some of the world's major palm oil users, including Nestle, Unilever, and Mondelez, are trying out new satellite technology to track deforestation, as pressure grows on them to source the ingredient responsibly.

    Your Questions: We're off on a cruise, but do we need extra insurance cover?


    Question: A few months ago I booked a five-week Mediterranean cruise as an anniversary gift for myself and my husband. I decided not to opt in to the insurance add-on on the booking form as we already have annual multi-trip holiday insurance. The trip is...

    Question: A few months ago I booked a five-week Mediterranean cruise as an anniversary gift for myself and my husband. I decided not to opt in to the insurance add-on on the booking form as we already have annual multi-trip holiday insurance. The trip is in July and I am getting worried that I might not be fully covered for the specifics of a cruise. Will I need to arrange separate cover, or a policy add-on?

    Ulster Bank seeing more customers paying arrears


    ULSTER Bank has seen an increase in payments from borrowers who are in deep mortgage arrears, following last year's sale of a €1.4bn portfolio of distressed home loans to the US investment giant...

    ULSTER Bank has seen an increase in payments from borrowers who are in deep mortgage arrears, following last year's sale of a €1.4bn portfolio of distressed home loans to the US investment giant Cerberus.

    Your Money: Cash in on online bank shake-up


    They're called disrupters - online banks using technology to unseat the traditional players. It's changing the face of banking as we know it, especially among younger people who want to 'tap and go', and are mystified by the thought of actually visiting...

    They're called disrupters - online banks using technology to unseat the traditional players. It's changing the face of banking as we know it, especially among younger people who want to 'tap and go', and are mystified by the thought of actually visiting a bank branch, or waiting for money to leave or arrive in days rather than seconds. They don't exist in bricks and mortar, but are hoovering up customers and becoming serious players in the money market. Are they worth it? Are they safe?
    Rent-free: How do you get away with not paying mortgage for nine years?

    Rent-free: How do you get away with not paying mortgage for nine years?


    The case of Ronan Ryan and Pamela Flood has attracted lots of attention after a court was told that the last payment on their mortgage was in...

    The case of Ronan Ryan and Pamela Flood has attracted lots of attention after a court was told that the last payment on their mortgage was in 2010.
    Consumers hit by hikes in pub, restaurant, energy and rent costs

    Consumers hit by hikes in pub, restaurant, energy and rent costs


    The price of alcohol and food in pubs and restaurants increased last month as the hospitality sector passed on higher...

    The price of alcohol and food in pubs and restaurants increased last month as the hospitality sector passed on higher taxes.
    Property prices still rising but at slower rate

    Property prices still rising but at slower rate


    Property prices are continuing to rise but the rate of increase is slowing, indicating a slight cooling...

    Property prices are continuing to rise but the rate of increase is slowing, indicating a slight cooling off.
    On the money: Ireland's minimum wage is now the second highest of all EU countries

    On the money: Ireland's minimum wage is now the second highest of all EU countries


    POLICY makers across developed economies have struggled to lift wages since the great crash - a big factor in the slow return of inflation. While it suits many employers, it's seen as one reason overall growth remains dangerously...

    POLICY makers across developed economies have struggled to lift wages since the great crash - a big factor in the slow return of inflation. While it suits many employers, it's seen as one reason overall growth remains dangerously sluggish.

    Bank of Ireland 'resists calls to give 200 staff tracker rates it promised'


    Bank of Ireland is denying trackers to a large number of its own staff, despite evidence that they were promised they would be put on the low-cost mortgage...

    Bank of Ireland is denying trackers to a large number of its own staff, despite evidence that they were promised they would be put on the low-cost mortgage rate.
    Ulster Bank to bring in transaction charges for customers

    Ulster Bank to bring in transaction charges for customers


    Ulster Bank is to introduce transaction charges for operating its current accounts, a move that is likely to see thousands of customers hit with higher...

    Ulster Bank is to introduce transaction charges for operating its current accounts, a move that is likely to see thousands of customers hit with higher costs.
    Economic boom pushes average Irish wedding bill up to €30,000

    Economic boom pushes average Irish wedding bill up to €30,000


    The cost of an Irish wedding has increased by almost €10,000 since the recession, with the typical bill for the big day now coming in at around...

    The cost of an Irish wedding has increased by almost €10,000 since the recession, with the typical bill for the big day now coming in at around €30,000.
    'The Galway Races is the ruination of me every year'

    'The Galway Races is the ruination of me every year'


    Doireann Ní Ghlacáin is a presenter with TG4 - as well as a musician and Sean-nós singer. Originally from Clontarf in Dublin, she is now living in...

    Doireann Ní Ghlacáin is a presenter with TG4 - as well as a musician and Sean-nós singer. Originally from Clontarf in Dublin, she is now living in Galway.
    Can bank end tracker deal after move?

    Can bank end tracker deal after move?


    Query: Following a change in family circumstances, we moved out of the family principal primary residence in 2015. We've rented elsewhere since but are now looking to buy another house. We had a tracker mortgage on the property which we moved out of in...

    Query: Following a change in family circumstances, we moved out of the family principal primary residence in 2015. We've rented elsewhere since but are now looking to buy another house. We had a tracker mortgage on the property which we moved out of in 2015 - which we continued and still continue to repay. (We still own that property). We are now planning to sell that property and get a mortgage to buy another property. Our bank has a tracker retention product which allows people to retain their existing tracker mortgage rate on a new mortgage loan. However, our bank has informed us that we will not be entitled to the tracker retention product it offers as we no longer reside in the residence for which the mortgage applied. Is this permissible? We would not have moved had we known it would result in the loss of the tracker mortgage. Andrea, Co Meath

    Your Money: What to expect financially if expecting


    All eyes are on Meghan Markle as she prepares to give birth to her first baby. Ignoring the #fakenews about her #fakebump emanating in some of the weirder online portals, it's probably fair to say that the Duchess of Sussex has exactly the same worries...

    All eyes are on Meghan Markle as she prepares to give birth to her first baby. Ignoring the #fakenews about her #fakebump emanating in some of the weirder online portals, it's probably fair to say that the Duchess of Sussex has exactly the same worries as any new parent about their baby's health and well-being, but will happily avoid concerns about how she's going to afford it all.
    Your Questions: Can I get an exemption from lending rules to buy a house this year?

    Your Questions: Can I get an exemption from lending rules to buy a house this year?


    Q: I'm going to buy a house in 2019, or at least I'm going to try. I previously owned an apartment with an ex. I have been saving hard for the last two years and have been keeping a clean sheet in terms of banking, credit history etc. But because of the...

    Q: I'm going to buy a house in 2019, or at least I'm going to try. I previously owned an apartment with an ex. I have been saving hard for the last two years and have been keeping a clean sheet in terms of banking, credit history etc. But because of the high rents, the one area I'm struggling with is the deposit - I simply won't be able to make up the 20pc. I am going to fall short by about 2pc or 3pc. I can't wait another year because a friend is selling their house and they say they will sell to me, for a certain price, but it has to be done before the year is out because they will be emigrating. I know there are some ways to bypass this deposit rule. Can you give me any advice?

    Financial adviser is banned after admitting to taking client funds


    THE former partner of a Galway financial brokerage has been banned indefinitely by the Central Bank from having any function in a regulated firm over what was described as the misappropriation of client...

    THE former partner of a Galway financial brokerage has been banned indefinitely by the Central Bank from having any function in a regulated firm over what was described as the misappropriation of client funds.

    Home Economics: 'I'm a pensioner and would like to rent out a room in my home. Do I have to report the rent I earn?'


    Q I bought a Section 23 property in 2005 on which I claimed the relevant tax relief at the time. This property now has losses in excess of €100,000. I have a second property which has a gain of a similar amount. I would like to sell these properties to...

    Q I bought a Section 23 property in 2005 on which I claimed the relevant tax relief at the time. This property now has losses in excess of €100,000. I have a second property which has a gain of a similar amount. I would like to sell these properties to my son but will I be able to offset the loss against the capital gain or does the Section 23 tax break affect this?

    Mortgage rates to remain low amid Brexit uncertainty


    Mortgage holders here can breathe a sigh of relief as the threat of an interest rate hike in the next two years is...

    Mortgage holders here can breathe a sigh of relief as the threat of an interest rate hike in the next two years is receding.
    Council wants more cash to pay for social housing in pricier parts of capital

    Council wants more cash to pay for social housing in pricier parts of capital


    Dublin City Council wants more money from the Department of Housing to pay developers for the 10pc of units it is entitled to in pricier parts of the...

    Dublin City Council wants more money from the Department of Housing to pay developers for the 10pc of units it is entitled to in pricier parts of the city.

    Murphy told to 'rethink plans' for solution to housing crisis


    Housing Minister Eoghan Murphy will be urged to return to the drawing board on the Government's housing policy in light of Brexit in a new report which will be signed off by a Fine Gael...

    Housing Minister Eoghan Murphy will be urged to return to the drawing board on the Government's housing policy in light of Brexit in a new report which will be signed off by a Fine Gael TD.

    Brendan Keenan: 'How the 'squeezed middle' gains from the value of home ownership'


    On the Ballyogan road, in the foothills of the Dublin mountains, there is a fine illustration of the past and future of housing. On one side are the houses built a couple of decades ago - the typical semi-detached, vaguely mock Tudor job, with garden...

    On the Ballyogan road, in the foothills of the Dublin mountains, there is a fine illustration of the past and future of housing. On one side are the houses built a couple of decades ago - the typical semi-detached, vaguely mock Tudor job, with garden front and rear.

    House prices fall in leading London areas amid political chaos and tax hikes


    Political chaos and a series of tax hikes pushed the average price of a home in London's most-desired districts down by almost 5pc last year, paring it to a low not seen since the start of...

    Political chaos and a series of tax hikes pushed the average price of a home in London's most-desired districts down by almost 5pc last year, paring it to a low not seen since the start of 2013.

    Mortgage arrears to remain persistently high in Ireland – S&P


    Mortgage arrears will remain persistently high here, despite improvements since the peak of the crisis, according to S&P Global...

    Mortgage arrears will remain persistently high here, despite improvements since the peak of the crisis, according to S&P Global Ratings.

    Can we limit tax on house-buying gift?


    Q Our son and his partner are in the process of buying their first house. They are not married and have two children. We are gifting my son a lump sum to assist with the purchase. We have not gifted a lump sum to our son previously and the amount is well...

    Q Our son and his partner are in the process of buying their first house. They are not married and have two children. We are gifting my son a lump sum to assist with the purchase. We have not gifted a lump sum to our son previously and the amount is well below the €320,000 tax-free threshold for gifts and inheritances from a parent to a child. Would there be a gift tax implication for his partner in this scenario? If so, how might we avoid or limit the gift tax implication? Michael, Co Cork

    I won €350 after putting wrong bet on football match


    Cork comedian Chris Kent gave up his day job as an electrician to pursue a career in comedy. Over the last 10 years, he has established himself on the Irish comedy scene, sharing the stage with comedians such as PJ Gallagher and Dylan Moran. He also...

    Cork comedian Chris Kent gave up his day job as an electrician to pursue a career in comedy. Over the last 10 years, he has established himself on the Irish comedy scene, sharing the stage with comedians such as PJ Gallagher and Dylan Moran. He also recently starred in The Young Offenders TV series.
    There's no place like home? returning expats forced to pay high price for time abroad

    There's no place like home? returning expats forced to pay high price for time abroad


    Returning emigrants are facing a financial minefield when they come back to Ireland - and the prospect of being out of pocket to the tune of thousands of euro, or more, a...

    Returning emigrants are facing a financial minefield when they come back to Ireland - and the prospect of being out of pocket to the tune of thousands of euro, or more, a year.

    Rules of thumb for investors when judging merits of share buyback


    The debate on corporate share buybacks continues in the wake of a year that saw share-repurchase schemes buy up an estimated $1 trillion in shares across the S&P 500 index. That's almost 5pc of the market cap of the S&P500...

    The debate on corporate share buybacks continues in the wake of a year that saw share-repurchase schemes buy up an estimated $1 trillion in shares across the S&P 500 index. That's almost 5pc of the market cap of the S&P500 index.

    Housing market could be facing a hit in 2019


    With mortgage approvals for first-time buyers down in December and new housing output in Dublin falling, the outlook for the housing market in 2019 is...

    With mortgage approvals for first-time buyers down in December and new housing output in Dublin falling, the outlook for the housing market in 2019 is uncertain.

    Charlie Weston: 'Credit unions deserve to be encouraged, as well as regulated, by the Central Bank'


    Are credit unions subject to too much regulation by an overbearing Central Bank hell-bent on keeping them down? That is certainly the view of many in the sector who feel that the locally-owned lenders are hampered at every turn by their regulators at a...

    Are credit unions subject to too much regulation by an overbearing Central Bank hell-bent on keeping them down? That is certainly the view of many in the sector who feel that the locally-owned lenders are hampered at every turn by their regulators at a time when the challenges they face have never been greater.
    Legal Advice: We're worried our daughter in law will have a claim over the farm

    Legal Advice: We're worried our daughter in law will have a claim over the farm


    Q My younger son announced his engagement at Christmas and is getting married next year. He farms the family farm with my husband, myself and our other son, who is unmarried. My younger son’s fiancée is not used to farm life and works as a nurse in...

    Q My younger son announced his engagement at Christmas and is getting married next year. He farms the family farm with my husband, myself and our other son, who is unmarried. My younger son’s fiancée is not used to farm life and works as a nurse in the town. We like her well enough but worry that if anything goes wrong in the future she would have some claim over the farm which we want to leave to our two sons to carry on. How do we protect against this?
    Ask Sinead Ryan: What rights do we have to charge a market rent on our granny flat?

    Ask Sinead Ryan: What rights do we have to charge a market rent on our granny flat?


    Q We have a ‘granny flat’ as a separate building beside our house which is a selfcontained unit. We had let it to a family friend for many years at a peppercorn rent just to cover utilities and he in turn provided a security presence, and also did...

    Q We have a ‘granny flat’ as a separate building beside our house which is a selfcontained unit. We had let it to a family friend for many years at a peppercorn rent just to cover utilities and he in turn provided a security presence, and also did painting/repairs etc, for us over the years. He is now moving on and we wish to rent out the place on a more formal footing. My concern is over the rent pressure zone we are in — 4pc above his very low rent would not make any difference but what rights do we have to charge a market rent?
    Your Questions: What is the tax relief available if we pay for a full-time carer?

    Your Questions: What is the tax relief available if we pay for a full-time carer?


    Q: My aunt’s health has been declining for some time and she now needs a full-time carer in her home. My cousin and I are willing to share the cost equally, which will be approximately €55,000 per year. I know there is tax relief available for this,...

    Q: My aunt’s health has been declining for some time and she now needs a full-time carer in her home. My cousin and I are willing to share the cost equally, which will be approximately €55,000 per year. I know there is tax relief available for this, but will only one of us be allowed to apply for it? And how much would we be entitled to?

    Space mission: how to declutter


    Tiny Japanese powerhouse Marie Kondo has got everyone spring...

    Tiny Japanese powerhouse Marie Kondo has got everyone spring cleaning.
    Customers loyal to PTSB told they must pay more

    Customers loyal to PTSB told they must pay more


    Bailed-out bank Permanent TSB is changing the rules for customers with its older current accounts, in a move that means thousands will have to pay...

    Bailed-out bank Permanent TSB is changing the rules for customers with its older current accounts, in a move that means thousands will have to pay fees.
    Credit unions 'struggling to compete with moneylenders'

    Credit unions 'struggling to compete with moneylenders'


    There is no effective protection for vulnerable consumers from the activities of moneylenders, it has been...

    There is no effective protection for vulnerable consumers from the activities of moneylenders, it has been claimed.
    Deficits in traditional company pension plans rise to €1.6bn

    Deficits in traditional company pension plans rise to €1.6bn


    DEFICITS in traditional company pension plans of quoted companies rose last year, in a move that could put pressure on the...

    DEFICITS in traditional company pension plans of quoted companies rose last year, in a move that could put pressure on the schemes.

    Thousands face fees as Permanent TSB changes conditions on free banking


    Bailed-out bank Permanent TSB is changing the rules for those with its older current accounts, in a move that will mean thousands of them will end up paying...

    Bailed-out bank Permanent TSB is changing the rules for those with its older current accounts, in a move that will mean thousands of them will end up paying fees.
    Bank of Ireland cuts some fixed mortgage rates, but increases others

    Bank of Ireland cuts some fixed mortgage rates, but increases others


    LEADING mortgage lender Bank of Ireland has cut some of its short-term rates, but also increasing fixed rates for those who want to lock in for five years or...

    LEADING mortgage lender Bank of Ireland has cut some of its short-term rates, but also increasing fixed rates for those who want to lock in for five years or more.

    Central Bank insists credit unions are not over-regulated


    Credit unions are not over-regulated and any suggestion that they are is outdated, the Central Bank official who oversees the sector has...

    Credit unions are not over-regulated and any suggestion that they are is outdated, the Central Bank official who oversees the sector has insisted.
    40,000 home loans drawn down last year

    40,000 home loans drawn down last year


    More people took out mortgages last year compared with the previous...

    More people took out mortgages last year compared with the previous year.

    Tax breaks plan to help over-55s downsize homes


    Tax breaks to encourage older homeowners to downsize are among a raft of new measures aimed at promoting dedicated housing for people over...

    Tax breaks to encourage older homeowners to downsize are among a raft of new measures aimed at promoting dedicated housing for people over 55.
    Can I inherit my parents' home tax-free?

    Can I inherit my parents' home tax-free?


    Query: My husband, daughter and I live with my elderly parents in my parents' primary residence. We have lived here for 18 months and I do not own any other properties. Can I inherit my parents' primary residence tax-free in 18 months (that is, after...

    Query: My husband, daughter and I live with my elderly parents in my parents' primary residence. We have lived here for 18 months and I do not own any other properties. Can I inherit my parents' primary residence tax-free in 18 months (that is, after three years of us living here) while my parents are still alive? Caroline, Co Dublin
    My Money: 'I was taught to save hard to get what I need'

    My Money: 'I was taught to save hard to get what I need'


    Fine Gael TD Tom Neville is from Limerick. Before his election in 2016, he was a councillor with Limerick City and County Council for a number of years. He is engaged to Fair City actress Jenny...

    Fine Gael TD Tom Neville is from Limerick. Before his election in 2016, he was a councillor with Limerick City and County Council for a number of years. He is engaged to Fair City actress Jenny Dixon.
    Charlie Weston: 'Property prices to keep rising this year - but increases now set to be more modest'

    Charlie Weston: 'Property prices to keep rising this year - but increases now set to be more modest'


    Property prices are continuing to rise, but the pace of the increases has slowed markedly. The annual increase of 7pc in November means price inflation is now at its lowest level in two-and-a-half...

    Property prices are continuing to rise, but the pace of the increases has slowed markedly. The annual increase of 7pc in November means price inflation is now at its lowest level in two-and-a-half years.

    Charlie Weston: 'Cost of my life cover has ballooned and I don't understand why'


    Q: I am giving myself a financial health check. So many direct debits come out of my account every month that I don't even know how much goes to who and why. This week I received a letter to tell me that my life cover is about to go up significantly and...

    Q: I am giving myself a financial health check. So many direct debits come out of my account every month that I don't even know how much goes to who and why. This week I received a letter to tell me that my life cover is about to go up significantly and I don't really understand why. I have what they call a unit- linked, whole-of-life policy. Any advice would be most welcome?

    The cost of going your own way


    While most of the 4,000 or so couples who decide to separate this year won't be splitting assets worth billions of euro, unlike Amazon's Jeff Bezos and wife MacKenzie, it is still a fraught time - and very...

    While most of the 4,000 or so couples who decide to separate this year won't be splitting assets worth billions of euro, unlike Amazon's Jeff Bezos and wife MacKenzie, it is still a fraught time - and very expensive.
    A touch of baroque in a stone mansion with its own stables for €795k in Kildare

    A touch of baroque in a stone mansion with its own stables for €795k in Kildare


    After a busy life in the hospitality industry, the owners of Arranmore House have decided that the time has come to put their feet up and enjoy retirement in warmer climes. It won't be easy for them to walk away from their home, however, after 16 years...

    After a busy life in the hospitality industry, the owners of Arranmore House have decided that the time has come to put their feet up and enjoy retirement in warmer climes. It won't be easy for them to walk away from their home, however, after 16 years of hard work and happy times.
    Lender ordered to pay €90,000 over 'oppressive' case

    Lender ordered to pay €90,000 over 'oppressive' case


    A couple received €90,000 in compensation from a mortgage provider after it adopted an "obstructive approach" when they went into arrears on their buy-to-let...

    A couple received €90,000 in compensation from a mortgage provider after it adopted an "obstructive approach" when they went into arrears on their buy-to-let loan.

    Firm to rent homes back to families hit by debts


    Debt-wracked mortgage holders who are in danger of having their homes repossessed are set to get a new...

    Debt-wracked mortgage holders who are in danger of having their homes repossessed are set to get a new lifeline.
    Nama provides land for Cairn JV to build 550 homes

    Nama provides land for Cairn JV to build 550 homes


    Nama has entered a joint venture with one of the country's largest developers, Cairn, to build 550...

    Nama has entered a joint venture with one of the country's largest developers, Cairn, to build 550 homes.
    How scheme will work for those at risk of losing home

    How scheme will work for those at risk of losing home


    A new option has been offered for those in deep arrears. Anyone considering the scheme would be wise to get independent financial advice. Here is how it...

    A new option has been offered for those in deep arrears. Anyone considering the scheme would be wise to get independent financial advice. Here is how it works:
    Applicants for court-approved debt deals fall

    Applicants for court-approved debt deals fall


    There has been a fall in the number of people applying for court-approved debt...

    There has been a fall in the number of people applying for court-approved debt deals.