| Get an unsecured loan?
Unsecured personal loans are granted on a mixture of factors, the most important are your income and employment status and your credit history. The interest rates available vary widely depending on how much you borrow and the time period over which you pay it back. Most advertised rates are typical rates and so, if you only wish to borrow small amounts, you will normally be charged a higher rate than that advertised. Unsecured loans are only available for sums of 25,000 or less. Click here for more on interest rates. To get the very cheapest unsecured loan rates you will need to have a good credit history. Click here to find out more about credit ratings. .
Police discounts a potential concern
Police are back in the firing line for accepting discounted goods and services such as cheap home loans and cut-price cellphones. Although departmental policy clearly states that police officers are prohibited from accepting any form of inducement, the Herald on Sunday has learned some have been routinely taking advantage of special deals offered by the Police Association to attract members. The issue of police accepting freebies or discounted goods was highlighted in February when it was revealed fast-food joints were offering police officers discounted meals - with some store owners confessing it was a cheap method of providing in-store security. The official police code of conduct states that "no member of police shall solicit for personal gain, or accept a discount on any goods or services where that discount is offered because that person is a member of police".
Lucrative DIY
In the spring a householder's fancy lightly turns to thoughts of home improvements. Anyone moving into a new home will already be up to speed with the latest colour charts, lighting arrangements and bathroom fittings, because most people want to make their mark on their new abode and make it their own. But, what if you have been in your home for a while; it is cosy and just how you like it?
Should you be considering home improvements? And if you decide to go ahead, how will you finance them? The obvious answer is to consider a personal loan - and there are plenty of good deals on the market - but since the improvements are intricately tied up with the value of your home, you might find a better deal by remortgaging.
Remortgaging is a cheap way to borrow money.
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