Scottish mortgage lending increases in third quarter

According to recent figures, mortgage lending in Scotland increased in the third quarter of this year, rising by 8 percent compared to the previous quarter with 12,400 loans. However, whilst this is encouraging news, lending is still low with the figure for the third quarter coming in at 7.5 percent lower on a year on [...]

Are you talking to the wrong consumer? Without customer segmentation, you might be

In marketing, talking to the right consumers is essential for success. Whilst this is easy to say, in practice finding and defining the ‘right people’ is not so simple. Customer segmentation is a method of creating groups from your customers that contain certain similarities, to allow you to speak to each of [...]

Life and Illness Cover – Price Comparison Versus Insurance Brokers?

Life used to be so simple. When you wanted money, you went to the bank. When you wanted meat, you went to the butcher. And when you wanted insurance, you went to an insurance broker. But things have changed, in the modern world you could pop down to Sainsbury’s and buy [...]

Hundreds of thousands of homes in negative equity

According to a recent report by High Street banking giant HSBC, more than 350,000 homeowners are now in negative equity, as the property market continues experiencing turbulence. It is thought that up to 360,000 homeowners who purchased their homes in 2007 are now stuck in their homes to due being in negative equity. Plummeting property [...]

Brits using all sorts to secure their loans

As most people in Britain are well aware, it has become increasingly difficult to secure a loan over the past couple of years due to the difficult financial climate. Many people who may have been able to get a loan relatively easily prior to the financial crisis are now experiencing difficulties in getting the finance [...]

Many hoping to sort out finances with lottery win

Despite the minute odds of ever winning big on the lottery, a worrying number of people are said to be relying on a substantial lottery win to sort them out in the event that they lose their jobs and have their income suddenly cut off. A recent study has shown that a large number of [...]

Is there a way to prevent the student debt culture

Much of the recent debate on student debt has been around increasing tuition fees and the prospect of paying back the money for years or even decades. But even without fees, many students get into debt just from living costs: even with careful budgeting, this can easily run into several thousand pounds a year.
Student debt [...]