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According to the Council of Mortgage Lenders Mitch Morse Color Rush Jersey , first-time buyers are the most susceptible group of homeowners to debt, as they are more likely to have higher loan-to-value ratios and commit a higher proportion of their income to mortgage repayments. Despite their susceptibility to debt, there is evidence which indicates that insurance take-up and employee benefits provide recent first-time buyers with a safer foundation than the general population of mortgage borrowers.


The Council of Mortgage Lenders (CML) has become increasingly concerned about the ability of current and future home-buyers to pay back mortgages in the event of changing circumstances. Over the past five years, the CML and its partners within the Sustainable Home-ownership Initiative Chris Jones Color Rush Jersey , have sought to improve this issue. Contributing factors to the problem include increasing personal debt levels and a less certain economic environment. This has provoked concern about the sustainability of home-ownership and consumer understanding of financial products, ensuring that the issue of mortgage risk is at the top of the agenda for the UK Government, industry regulators and public as a whole.


Over the last year, the Sustainable Home-ownership Initiative has debated the most effective move forward to increase home-buyers? awareness of potential debt and protection from unforeseen events with insurance products Kareem Hunt Color Rush Jersey , specifically Mortgage Payment Protection Insurance (MPPI). The Financial Service Authority is leading the way to help raise awareness of debt prevention with the ?Debt Test? initiative.


According to research carried out by the Council of Mortgage Lenders, two thirds of recent first-time buyers say that an online debt test designed to help them assess potential triggers of debt and highlight future borrowing risk would be useful.


The mortgage market is also watched very closely by the consumer research website, moneynet. In addition to tracking market behaviour, property values and homeowner incomes Tanoh Kpassagnon Color Rush Jersey , moneynet have endeavoured to become increasingly proactive about educating their visitors, so they fully understand the complexity of the relevant financial products. In addition to their mortgage comparison service and mortgage protection options, moneynet published a comprehensive mortgage guide earlier this year, as part of its series of consumer product guides. Moneynet isn't the only site to offer enhanced information services; Which? also offers a detailed mortgage guide and mortgage search tool powered by Moneyfacts. Both ?Switch with Which?? and moneynet take the consumer through the types of deal available Patrick Mahomes II Color Rush Jersey , detailing the different interest rate structures including fixed rates, capped rates, discounted rates, stepped rates and standard variable rates.


The CML state that there is much evidence to show that first-time buyers appreciate this information Breeland Speaks Color Rush Jersey , including the 'debt test?, more so than older households. This is perhaps due to the fact that many first-time buyers have to borrow much more for their initial property, due to high prices, and that they have generated more personal debt than their parents? generation. Whilst personal debt remains a major concern for the finance industry Travis Kelce Color Rush Jersey , the government and the public, financial stability remains possible with education.


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The Alicante Beaches

Posted On : Jan-29-2012 | seen (122) times | Article Word Count : 420 |

El Postiguet beach is within the city of Alicante and this beach has a beautiful promenade located in front of the sea. Postiguet Beach:

El Postiguet beach is within the city of Alicante and this beach has a beautiful promenade located in front of the sea. There are many palm trees planted along this promenade.

This beach is well equipped with the municipal infrastructure and people love to spend leisure time on this beach.

Playa del Saladar Beach:

El Saladar is a reasonably big and quiet beach. This beach is situated at a distance of five kilometers towards south of Alicante, while going down on the road to airport of El Altet.

Playa de Urbanova beach is a beautiful sandy beach with all kinds of attractions for the visitors. You can find number of restaurants and shops on the beach, along with some nearby houses and fun areas.

This beach is almost one and a half kilometers long and the parking is easily available at this beach. Here you will find many places at the bay Spencer Ware Color Rush Jersey , to enjoy the beautiful scenes of the sea and the city of Alicante.

San Juan Beach:

San Juan Beach is one of the best beaches of the province and it is located at a distance of ten kilometers north of the city of Alicante. This beach is a long beach and stretches over an area of seven kilometers. San Juan beach has received the Blue Flag award for being one of the clean beaches in the area.

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