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3: Carney: Rates to stay at 0.5% until unemployment drops below 7%

When will the Bank rate rise? That is the question on many people’s lips, although before August, when new Bank of England governor Mark Carney launched his programme of forward guidance, trying to predict when rates would rise would have been a fool’s game. While there is still an element of guesswork going on, the UK has a rough idea of any future rate change for the first time in its history.

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Caption Competition

Can you put the boot in to your nearest and dearest to win a delicious box of Hotel Chocolat milk chocolates? Submit a witty caption for the photo above and you will be automatically entered into our prize draw. Remember, the funnier it is, the more likely you are to win. What are you waiting […]

Christmas financial pressure

Why do we put ourselves under so much financial pressure at Xmas?

According to the Office for National Statistics, UK retail sales during the run up to Christmas rose by 0.3 per cent this year. It does not sound a lot but every year the figure increases. As expectations for the latest gadgets or games console grow, so do stress levels in parents desperate not to disappoint. […]

Experian credit ratings ‘misleading’

Brokers say scores from credit rating agency Experian are misleading potential borrowers by rating them as ‘excellent’ when their credit history shows otherwise. Firms say clients are obtaining ‘excellent’ ratings from Experian when they may end up being turned down for a mortgage, due to factors such as defaults or county court judgments. Perception Finance […]


Marketwatch – The Big 100

I find myself at a bit of a milestone – this is my centenary Marketwatch column, the big 100, and I couldn’t have timed it any better coming at the end of another year of hard graft for brokers and lenders alike. What is most pleasing, apart from the fact I have not lost quite […]


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