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Kelly Luff

Kelly has a degree in Media Arts from the University of Plymouth. A previous competitor in Masterchef, Kelly writes mostly on matters relating to personal finance and banking.

Ways to prepare for mortgage application


If you are planning on applying for a mortgage in the near future there are a number of factors that we recommend looking at a few months prior to application. Since April this year more stringent rules have come into force when your mortgage application is considered by lenders.

Historically it could be painfully easy to obtain what is for many people their largest and longest lasting credit agreement. With affordability rules now in place this has all changed and may leave many surprised at the thorough nature of the checks.

One of the first things you should check is your credit report. This is important to check for all applicants, as although one person may have an impeccable credit history others could be picked up for .....

Full Article

12 Jan 2015 by Kelly Luff Mortgages

Credit Card Limits Cut


Having your credit card limits cut unexpectedly can be demoralising, confusing and in some cases, stressful.

Often there is no reason given by the credit card issuer for this change, other than the generic ‘check your credit file’ answer that seems to be the go-to answer when lenders don’t want to tell you why they reached their decision.

Lenders can lawfully change your credit limit

It’s worth remembering that lenders are fully entitled to increase or decrease credit limits as they see fit and these decisions are often based on customer behaviours and use of the card. A scan through the lender’s terms and conditions will usually show that this is indeed a stipulated clause.


Full Article

7 Jul 2014 by Kelly Luff Credit Crunch

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