How ready are you to walk into the office of a lender and ask them to borrow more than a quarter million dollars? If it were for anything other than a house, they would probably laugh at you. Every year, many people apply for a loan and a large percentage of them get turned down. But why? What are some things that you can do to make sure you get the loan you need to buy a home? This is a list of some questions you can ask yourself before applying.

It used to be that banks and finance companies were the only ones that pulled credit reports. This is no longer true. Just about any place where you are going to be making monthly payment will pull your credit report to see how you pay your bills. Do you know what your credit report says about you?

UK financial regulators in recent times have identified numerous problems with mis sold PPI policies (Payment Protection Insurance). These policies were sold by certain banks, building societies and other institutions to borrowers taking out loans and credit agreements.