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Leonard Pokrovski

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2025-09-27 16:39:04 -

How much can I borrow? (especially for home loans)
How much can I borrow? (especially for home loans) When buying a home, one of the first questions most people ask is: How much can I actually borrow? The answer isn’t one-size-fits-all—it depends on your income, expenses, credit profile, and the lending policies of the bank or lender you approach. Understanding these factors can help you set realistic expectations and prepare for...

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Leonard Pokrovski

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2025-09-27 16:43:05 -

What is the difference between PCP and PCH (auto financing terms)?
What is the difference between PCP and PCH (auto financing terms)? When shopping for a new car, you’re likely to come across two common auto financing terms: PCP (Personal Contract Purchase) and PCH (Personal Contract Hire). Both are forms of car finance that allow you to drive a vehicle without paying the full purchase price upfront, but they differ significantly in structure,...

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Leonard Pokrovski

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2025-09-27 16:48:35 -

What is a balloon payment?
What is a balloon payment? A balloon payment is a large, lump-sum payment due at the end of a loan term, typically much larger than the regular monthly installments made throughout the loan. This structure is common in certain types of mortgages, auto loans, and business loans, and it allows borrowers to make smaller payments initially before facing a substantial final obligation. How a...

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Leonard Pokrovski

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2025-09-27 17:32:42 -

What does Bank of England base rate mean?
What does Bank of England base rate mean? The Bank of England base rate, often simply called the "base rate," is the UK’s official interest rate. Set by the Bank of England’s Monetary Policy Committee (MPC), it serves as a benchmark for the cost of borrowing money across the economy. In other words, it’s the rate that influences how much people and businesses pay on loans and...

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Leonard Pokrovski

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2025-09-27 17:33:48 -

What is equity release?
What is equity release? Equity release is a financial product that allows homeowners—typically those over the age of 55—to unlock some of the value tied up in their property without having to sell or move out. In simple terms, it gives you access to a portion of your home’s worth while you continue to live in it. How does it work? Your home is often your most valuable...

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Leonard Pokrovski

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2025-09-27 17:35:48 -

What is Negative Equity?
What is Negative Equity? Negative equity is a financial situation where the value of an asset, most commonly a property, falls below the outstanding balance on the loan used to purchase it. In simpler terms, it means you owe more money on your mortgage or loan than the asset is currently worth. How Negative Equity Happens Negative equity typically arises when property values drop due to...

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Leonard Pokrovski

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2025-09-27 17:36:53 -

Difference between Money Transfer and Balance Transfer
Difference between Money Transfer and Balance Transfer When it comes to managing finances, many people encounter terms like money transfer and balance transfer. While they may sound similar, these two financial tools serve very different purposes. Understanding the distinction can help you make better decisions about your personal finances. What is a Money Transfer? A money transfer...

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Leonard Pokrovski

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2025-09-27 17:39:08 -

What is Capital Gains Tax?
What is Capital Gains Tax? Capital gains tax (CGT) is a government levy on the profit made when you sell, transfer, or otherwise dispose of an asset that has increased in value. Simply put, if you purchase an asset for one amount and later sell it for more, the difference between the buying price (also called the cost basis) and the selling price is your capital gain—and this is what may...

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Leonard Pokrovski

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2025-09-28 21:18:01 -

What’s a Credit Score?
What’s a Credit Score? A credit score is a numerical representation of your creditworthiness, or in simpler terms, how likely you are to repay borrowed money on time. It plays a significant role in your financial life, influencing your ability to get loans, credit cards, or even rent an apartment. Understanding your credit score and how it’s calculated can help you make smarter...

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Leonard Pokrovski

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2025-09-28 21:34:04 -

Difference Between Direct Debit and Standing Order
Difference Between Direct Debit and Standing Order Managing regular payments has become a crucial aspect of personal and business finance. Two common methods to automate payments are direct debits and standing orders. While they may seem similar at first glance, they have distinct features, advantages, and limitations. Understanding the difference can help individuals and businesses choose the...

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