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Free banking is 'outmoded concept', senior regulator warns
FSA executive Martin Wheatley, who will run the new consumer regulator next year, refuses to say whether he advocates end to free bankingFree banking could become the victim of the industry's attempts...
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At £501, is this the UK's cheapest house?
Unloved end-terrace shows the gulf between UK prices - but also the opportunities for those prepared to leave the over-heated south eastUpdate, 27 March 2012: So, how much did it go for in the end?...
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Should I overpay the interest-only or repayment part of my mortgage?
Q I am trying to calculate the impact of paying off £20,000 of my mortgage. I owe £28,000 on a repayment basis and £30,000 on an interest-only basis, and the mortgage has 10 years left to run.I am...
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£501 house goes for £8,250 - still the cheapest in UK, say auctioneers
Forlorn terrace gets a better price by traditional auction than online, but not by a vast amount. Compare London garages...Old-fashioned auctioning in a crowded hotel lounge has jacked up the price of...
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Live justice live blog: day two
The legal system can be both baffling and daunting, so we want to demystify the process. Today we focus on repossessionsIntroductionIn 2011, 36,000 homes were repossessed by lenders after borrowers...
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IMF: governments should help with mortgages to avoid prolonged slump
Rapid buildup of household debt during boom leads to deeper downturn when bubble bursts, World Economic Outlook arguesGovernments should step in to help struggling households write off part of their...
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How repossessions reveal the hidden truth about modern housing
Mortgage lenders fail to support homeowners when they get into difficulty, pushing to take back the keys far too soonI was prompted to write this blog after reading an article by Jon Robins from...
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Holding Bank of America to account | Amy Goodman
A wave of shareholder activism is shining light on the shabby role of banks in the subprime crisis and financing dirty coalShareholder meetings can be routine, unless you are Bank of America, in which...
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Debt advice live
The credit crunch, rising unemployment and high inflation have put the squeeze on household budgets, pushing many into debt. Our reporters are live with three debt organisations to show how easy it is...
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Young homeowners have lower arrears, says debt counselling charity
Household budgets of people in 20s are managed better thanks to cheap deals, says Consumer Credit Counselling ServiceCheap mortgage deals have "dramatically improved" the household budgets of young...
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London housing crisis: repossession variations
New research from Shelter shows London's local variations in mortgage woesShelter's new report on home repossession risk hotspots in England shows London boroughs distributed intriguingly throughout...
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Five of UK's worst repossession areas are in the north west
Cheaper prices do not mean better times for housing. Nicola Hughes of Shelter introduces a new reportThe much debated north-south divide could hardly be more apparent than when it comes to housing....
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UK house prices fall for third month
Slump in demand for homes comes as government launches Funding for Lending scheme to assist first-time buyersHouse prices have fallen for the third month in a row as a summer slowdown in demand...
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Jill Kelley shows that personal debt has become a national-security issue
The David Petraeus scandal contains everything America obsesses about: power, sex... and personal debtThe David Petraeus scandal seems to present in microcosm everything that America obsesses about:...
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House market up 5% on previous year
New figures show more houses sold in 2012 than expected, as Funding for Lending scheme kicks inMore homes have been sold in the UK in 2012 than previously thought, as a result of greater mortgage...
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Housing costs push tenants and homeowners towards payday loans
Research for housing charity Shelter shows 1.4 million people in the UK risk losing homes after falling behind with paymentsAlmost two thirds of the population are struggling to pay their rent or...
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How to protect your income
If you are worried illness or injury could leave you without enough to pay bills, there are ways to protect your incomeIt's most families' worst nightmare: the main breadwinner loses their job and all...
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Halifax is chasing me for mortgage debts on home I left decades ago
I fled my home after a violent relationship years ago but am I liable for £16,508 of outstanding mortgage debt?In 1991, I bought a house with my boyfriend for £33,620. He became violent as soon as we...
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How can I remove black marks on my credit file?
Q I am having a real problem getting a mortgage. I am 52 years old and currently renting. I'd like to take on a 15-year mortgage to buy a property for my retirement, and I am able to pass the...
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Interest-only mortgages: how to tackle the shortfall
As 1.3 million interest-only mortgage borrowers reach their loan term owing an average £71,000, we look at what can be doneAround 1.3 million interest-only mortgage customers may reach the end of their...
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