Tesco Mortgages
Introduction to Tesco Bank Mortgages
Tesco is one of the world's leading international retailers. Since the company first used the trading name of Tesco, in the mid 1920s, the group has expanded into different formats, different markets and different sectors.
The principal activity of the group is food retailing, with over 2,000 stores worldwide. However Tesco, combined with First Active (part of the Royal Bank of Scotland Group), also now offer two types of mortgage product.
- Fixed Rate
With a fixed rate mortgage, the interest rate of the mortgage remains the same for a period of time – often 2 years, but can be longer. In recent years, the Government has tried to stimulate interest in long-term fixed rate mortgages, but borrowers’ habits indicate that they prefer not to be tied in to their mortgage for too long. The fixed rate mortgage is favoured by those who like to know exactly what they are paying each month - Discount
Discount mortgages offer a discount off the mortgage lender’s standard variable rate (SVR) for a specified period of time, e.g. 1.5% below the mortgage lender’s SVR. Like tracker mortgages, discount mortgages tends to suit those who are looking for the best mortgage deal, but who can absorb any increases to their monthly payments. Discount mortgages are often amongst the cheapest available deals.
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- Getting a fair deal on a mortgage
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IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]