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Mortgage Market News Getting a mortgage is going to be a lot tougher - particularly for people with a less-than-perfect credit history or anyone whose income has previously been self-certified. The money saving expert recently heard the account of a lady who had missed one credit card payment and a council tax payment in the last twelve months. Her mortgage broker was unable to place the new remortgage at 86% loan-to-value.

How to Beat ID fraudsters It makes sense to get wise to the dirty tactics played by the Identity fraudsters and start protecting your identity by following our money saving expert to protect your finances today.It’s never been more gruelling to stay ahead of the criminals who compete to steal your ID, take over your accounts and run up debts in your name. From the moment your post is delivered in the morning to the time you log off a favourite social network at night, there are hazards built into your routine. Getting past them safely is a 21st century equivalent of winning an old-fashioned obstacle race

As the editor and the money saving expert here at talk money blog I am often asked if now is the best time to take on a new mortgage and buy a new home, here are my money saving tips . Ask ten people whether they think the time is right to venture back into the property market and you’re likely to get a different answer from every one

Cheques, utility bills and credit card payments, loan payments and mortgage payments may be held up or returned to their senders during the round of postal strikes that are causing backlogs and confusion around the country - and your credit rating could suffer as a result say the money experts who offer money saving tips . Unless you have set up direct debits for all your regular payments, you could miss a payment or discover too late that the cheque you posted in plenty of time failed to reach its recipient by the latest acceptable date.

The days of easy credit are long gone - if they ever existed.

Were you mis-sold your Mortgage Payment Protection Insurance? HERE ARE A FEW REASONS WHY YOU CAN CLAIM

See your Experian credit report for free with a 30-day trial of CreditExpert According to the Bank of England’s Credit Conditions survey, most lenders expect to see a small increase in the amount of credit on offer in the coming months. But this good news needs to be tempered by the thought that would-be borrowers need a better-than-ever credit rating, especially if they want credit cards or loans. So are you ready for a credit check?  Take this quiz to find out if you can apply today - or have work to do before you get the offer you want.

Recessions come and recessions eventually go but if you were born in the 1980s or 1990s, you may not know what to expect or how to cope during a period of financial uncertainty. This guide gives all you first-timers a few pointers to surviving until the next boom comes around. Your attitude Stick to the essentials Decide what’s essential and what’s not

see your Experian credit report for free with a 30-day trial of CreditExpert Redundancy may be a worry for many people right now but it’s not necessarily the main cause of our financial woes.

Britain struggles under the weight of historic debt caused in part by the banks irresponsible lending policies and the public’s belief that they could control their high mortgage costs, credit card debts and loan repayments.