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Articles page 3 of 17 – Easy Settle Finance

Tips for Building Your Dream Home

Constructing your dream home from scratch can be one of the most complicated yet fulfilling projects you’ll ever undertake. You’ll need to determine your budget, finalise designs and explore financing options to cover your costs. These tips offer some useful pointers for the process.

Determine your budget

Work out how much you will need to spend for your new home. Some of the things to factor into the initial cost estimate is the cost of the land, building costs, landscaping costs, material costs, architectural costs, and fixtures and fittings.

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Tips for Refinancing Your Loan

Tips for Refinancing Your LoanRefinancing a loan can pave the way to lower interest rates and let you streamline the management of your debt. Whether it’s for debt consolidation or to obtain a better deal, refinancing offers many benefits for borrowers. However, you should check that refinancing will indeed provide you with the benefits you’re looking for before signing on the dotted line.

When to refinance

These are some of the benefits of refinancing a loan, including home loans:

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How to Create a Successful Budget

A budget is a plan for spending and saving. Without a budget, you’ll find it much harder to pay off debt, save for new purchases or for retirement, or achieve your financial goals. A successful budget involves the creation of a realistic plan for your money and regular reviewing and adjustments.

Track your spending for a month

Many people want to budget effectively but don’t know where to start. Tracking your spending for at least one month is a good starting point for creating a workable and realistic budget. By knowing exactly how you’re spending money, you can make better choices for your budget plan.

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Car Finance Tips

Buying a new car is a major purchase, so careful research and planning is essential. To get a good deal on your car loan, start by identifying how much you want to spend and exploring the various types of financing options available.

Determine budget range

Start by determining the budget range for your purchase. Consider the type and model of car you’re planning to buy. You should also estimate the annual running costs to determine affordability. Running costs include fuel, maintenance and servicing expenses. Compare these costs against your current income and you will have a good idea of how much you will need to borrow.

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A Guide to Debt Consolidation

If you’re struggling to pay off your debt, one viable option to consider is debt consolidation. Debt consolidation can help you save more on interest repayments, and it can make your debts and repayments more manageable. However, it’s important to first understand what’s involved and whether it is right for your financial situation.

Debt consolidation defined

Debt consolidation involves rolling or combining all of your current debts into a single loan. There are different ways to consolidate debt. For example, a borrower with two credit card balances could choose a balance transfer to consolidate the two debts on to one card, or a homeowner with personal debt and credit card debt could refinance their mortgage to consolidate all their debt.

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How to be a Successful First-Time Property Investor

How to be a Successful First Time Property InvestorProperty is one of the most secure forms of investment. With a well-developed investment strategy, it is possible for anyone to build wealth through their property investments. The great news is that it does not require massive sums of money to start on the property ladder.

Step 1. Approach a property investment as a business

Approach property investing with a business mindset in order to maximise profitability from investments. By approaching it as a business, you are less likely to make decisions based on personal preference and attitudes. Make sure that you structure your investments correctly, seek advice from tax professionals, do the numbers and comply with all legal regulations.

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The Benefits of Using a Private Lender

The Benefits of Using a Private LenderMost individuals and businesses usually think of traditional financial institutions such as banks when they think about obtaining a loan for a new business or house. While these types of financial institutions can offer great financing options, private lenders can be a more viable option if you find it difficult to secure a loan from a commercial lender. Also, borrowing from a private lender offers a number of advantages.

Quicker access to funds

By borrowing from a private lender, you can usually access funds more quickly. As the private lender will probably not be using a formal or fixed assessment process to approve your loan, you might be able to secure money much more quickly.

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What Your StartUp Needs to get Capital Financing

What Your StartUp Needs to get Capital FinancingYou have an exceptional product or service in mind and have identified the right business model, but you have no capital to bring your idea to market. Many entrepreneurs who find themselves in this position seek out venture capital to raise funds for their business idea. To secure venture capital, however, you need to be fully prepared for demonstrating why your product or service has potential.

Is venture capital financing for you?

Venture capital funds startups with billions of dollars every year. One thing to be aware of as you explore different options for financing is that a venture capitalist or firm will usually retain a degree of control over business decisions (along with receiving equity in the company). The venture capitalist becomes a partner or co-owner rather than a passive investor. This can be an advantage if you find a party whom you can work collaboratively with.

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How to Pay Off Your Loan Faster

How to Pay Off Your Loan FasterA loan can help you make a necessary purchase or fulfil a goal more quickly. However, loans must be repaid at some stage, and the sooner you fully repay a loan the less you pay in servicing it. Anyone can repay a loan faster with some strategising, planning and self-discipline.

Switch loans

When it comes to larger loans such as a home loan, switching can sometimes be a rewarding strategy. Switching to a lower-interest loan and/or consolidating a number of loans into the same home loan could enable you to save more on interest and shorten the repayment term. At the same time, it is important to check all of the fine-print terms and take fees and charges into account before making the switch.

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The Risks of Small Business Loans

The Risks of Small Business LoansLending to small businesses is usually considered to be riskier than lending to larger enterprises. However, small businesses that are finding it hard to access financing can improve their chances of getting a loan by broadening their lending options and submitting a good application.

Why are Small Business Loans Considered Riskier?

Small businesses play an important role in the economy. However, lending to small businesses is usually considered to be riskier than lending to larger businesses. This is due to the fact that small businesses tend to have fewer assets that can be used to finance repayments. Larger enterprises usually have a longer history and more assets that can be used as collateral for financing.

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