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Jourge Brown's Articles

  • How are life insurance premiums calculated?
    When a life insurance provider assesses an application, they load a policy according to certain criteria. The department responsible for this is called underwriting.
  • Mortgages - how much can be borrowed
    The most important factor when applying for a mortgage is its affordability. Before applying for a home loan, the potential applicant should work out how much money they have left over each month after paying living costs such as utility bills and leisure time expenses
  • Large loans for homeowners - secured borrowing
    Individuals who need to borrow a large sum of money may be well advised to consider a secured homeowner loan. Such a loan can allow the borrower access to large amounts of borrowing, of up to £100,000 or more in some cases.
  • Whole Life Assurance versus Term Life Insurance
    Securing the best life policy can be a daunting task. The type of policy that best suits an individual will depend on their personal circumstances and financial situation. Whilst some people need comprehensive life long cover, others needs are fulfilled by cheaper and more simple, short term cover.
  • Good ways to find and compare Bad Credit Loans
    In recent decades, more and more people are facing financial adversity. This can be attributed to a variety of factors, including the rising cost of living and increased expectations in terms of leisure time pursuits and material possessions
  • Reverse Mortgages
    A reverse mortgage offers the homeowner a cash amount, the value of which is based upon the equity value of their property. To qualify for such a mortgage an applicant’s property should have an equity value of at least 50 percent and they should be aged over 62 years.
  • About Life Insurance
    The purpose of life insurance is to provide financial protection for the family of the life insured, should the life insured die early. Upon death of the insured a life policy will payout a lump sum of money, called the death benefit.
  • About Life Insurance
    The purpose of life insurance is to provide financial protection for the family of the life insured, should the life insured die early. Upon death of the insured a life policy will payout a lump sum of money, called the death benefit.
  • The three routes to mortgage insurance
    Both first time buyers and experienced buyers should seek mortgage insurance. If a mortgage payer becomes unable to work after an illness, accident or redundancy, such a policy will continue to pay their mortgage for up to two years
  • The considerations and benefits of whole life insurance
    Whole life insurance is a type of permanent life cover. With such, in addition to lifelong cover, a policy will have a savings account attached. The premium paid goes towards both buying the insurance, the insurer’s administration and management fees and funding the savings account.
  • Mortgages: Shop around to find a good deal
    When looking for a mortgage, there are a number of factors to consider. Firstly, a homebuyer should work out how much they can afford to borrow and repay monthly. To do this they should look at their income and expenditure

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