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Sam Twyford

Sam has a degree in Business Studies from Bristol University West of England, and is an Associate of the Chartered Institute of Credit Management. He is a County football player and has captained local teams at both Truro and St Ives.

The bank of mum and dad are now the 10th biggest mortgage lender


According to a recent survey conducted by Legal & General (L&G), the bank of mum and dad are now the 10th biggest lender in the UK, that’s if they were a mortgage lender.

Legal & General confirmed that the average parental contribution was up by over £6,000 on lending last year, providing their children around £24,100 towards a house deposit. In some parts of the country this figure was even higher and closer to £31,000.

Collectively this amounted to an eye watering £6.3bn, which was more than the 10th biggest mortgage lender, Clydesdale Bank who lent £5bn.

This was estimated to have supported more than 250,000 buyers, the equivalent of one in five of every properties purchased last year, although this has likely come a .....

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30 Aug 2019 by Sam Twyford Mortgages

Your First Credit Card


Obtaining your first credit card can be both exciting and frustrating at the same time, but it’s easy if you know how to go about it.

If this is your first credit card, chances are that you have very little credit history to prove your ‘creditworthiness’ – your ability to pay. Credit card lenders will be conscious that first-time users of credit cards can sometimes end up in trouble if they don’t grasp the basics quickly. But don’t worry, as I’ll explain, it’s not just your credit history that is used to decide if you get a card or not.

The essentials

The first step is to use our credit report service to find out the information held about you and to see your credit score. Our credit report subscription service is f .....

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