Mortgage Refinancing Help: Work

“If you have bad credit, find a lender who is willing to work with you and offer you reasonable loan terms. ”

Mortgage Refinancing Help : Regional: Europe: United Kingdom: Society and Culture: Issues : Work (10)

If there is a big difference between the initial interest rate and the APR listed in the ad, it may mean that there are high fees associated with the loan.

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Regional: Europe: United Kingdom: Society and Culture: Issues: Benefits (1)
Society: Issues: Business: Corporate Crime (12)
Society: Work (487)

workSMART »
On-line directory of rights at work, and where to find help with work-related problems.

The UK National Work-Stress Network »
An organisation that aims to educate and raise awareness of work-stress and to improve legislation on health, safety and employment rights in the UK and Europe.

LabourStart UK »
News for workers culled from the newswires. Includes online discussion forums and other resources.

Campaign Against Age Discrimination in Employment (CAADE) »
Formed by Philip and Bernice Walker in 1988 to fight for the rights of older workers. Includes statistics, legislative information and other resources.

Simon Jones Memorial Campaign »
The campaign seeks justice for the family of Simon Jones who was killed whilst working as a casual labourer in a dock. We have recently won a landmark Judicial Review challenging the crown prosecution services decision not to prosecute his employers for corporate manslaughter.

Ask the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.

There is a refinancing myth that says you should not refinance your mortgage unless your interest rate will be at least two points less. This myth is not necessarily true if there are other benefits to the refinance or other reasons behind it.

When lenders offer a "no-cost" loan, they may include a prepayment penalty to discourage you from refinancing within the first few years of the loan. Ask the lender offering a no-cost loan to explain all the fees and penalties before you agree to these terms.

Ask the company carrying your current title insurance policy what it would cost to reissue the policy for a new loan. This may reduce your cost.