Cement industry to crash prices- BUA

1120
4435
Bags of cement

Cement industries are actively working hard to reduce the price of the commodity to boost the nation’s housing and the construction sector.

The Chairman of BUA Cement, Alhaji Andulsamad Rabiu, told the State House correspondents after a closed door meeting with the Acting President, Prof. Yemi Osinbajo, in the Presidential Villa, Abuja that plans are on to crash price.

He said the producers’ commitment to reduce the price of cement was in line with the Federal Government’s determination to meet the housing needs of Nigerians in no distance future.

According to him, the foreign exchange situation in the country and the high cost of Low Pour Fuel Oil (LPFO) are largely responsible for the escalating cost of cement in the country.

He, however, assured that some factors which led to the high cost of cement were being addressed by all stakeholders in the building industry.

He noted with delight that the foreign exchange situation had improved dramatically while “the cost of LPFO used by some cement companies including one of our own plants in Sokoto has also come down.

“The cement production requires quite a lot of energy. That is quite a significant part of the cost of cement production but has been addressed.

“The price of LPFO that we use has come down. I’m talking about Sokoto now.

“Of course, the other cement plants scattered all over the country are using gas which is actually much cheaper. But for Sokoto, for example, we are using LPFO and LPFO is quite expensive.

“We have to transport it either from Lagos or from Kaduna refinery if it is available. You know that impacts on the cost from time- to-time.’’

He gave the assurance that the three major companies producing cement in Nigeria were working very hard to see that the price of cement comes down in the very near future.

“So, I think we will see quite a reduction in the very near future,’’ he said.

Rabiu disclosed that he was in the State House to officially invite the acting president to commission BUA Cement Sokoto plant that has almost been completed.

“Well, I don’t think I’m here to discuss policies. Rather, the reason why I came here is to come and pay respect to His Excellency, the Acting President and to also solicit for his support in commissioning one of the projects that we are doing.

“Well, it is a project that we have actually almost completed. It is in Sokoto. It is Sokoto Cement and we are hoping to commission the plant very soon.

“We discussed that and he is looking into it and he’s promised to get back.” (NAN)

1120 COMMENTS

  1. Your posts customarily consist of a correct amount of truly up to date information. Everyplace accomplish you extend up with this? Emphatically declaring you are fantastically creative. Thanks again

  2. Wow, fantastic blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is magnificent, let alone the content!

  3. IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžd ought to talk to you here. Which is not some thing I do! I quite like reading a post which will make men and women believe. Also, many thanks permitting me to comment!

  4. You could certainly see your expertise in the work you write. The world hopes for more passionate writers like you who aren at afraid to mention how they believe. All the time follow your heart.

  5. Your style is so unique in comparison to other folks I have read stuff from. Thank you for posting when you ave got the opportunity, Guess I will just book mark this web site.

  6. Wow, amazing blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is great, let alone the content!

  7. Im no professional, but I think you just made a very good point point. You naturally know what youre talking about, and I can really get behind that. Thanks for staying so upfront and so sincere.

  8. You have made some decent points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this web site.

  9. Wow, superb blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is magnificent, let alone the content!

  10. Very nice info and right to the point. I don at know if this is in fact the best place to ask but do you people have any thoughts on where to get some professional writers? Thanks in advance

  11. You can certainly see your enthusiasm in the work you write. The world hopes for more passionate writers like you who aren at afraid to say how they believe. At all times go after your heart.

  12. Greetings from California! I’m bored to death at work so I decided to check out your site on my iphone during lunch break. I enjoy the info you present here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyways, excellent site!|

  13. Admiring the time and effort you put into your site and in depth information you provide. It’s good to come across a blog every once in a while that isn’t the same unwanted rehashed information. Excellent read! I’ve saved your site and I’m including your RSS feeds to my Google account.|

  14. Hi there! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no backup. Do you have any solutions to stop hackers?|

  15. Hmm is anyone else encountering problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.|

  16. This is very interesting, You are a very skilled blogger. I ave joined your feed and look forward to seeking more of your fantastic post. Also, I ave shared your web site in my social networks!

  17. I’ll right away seize your rss feed as I can not to find your email subscription link or e-newsletter service. Do you have any? Kindly allow me recognise in order that I may just subscribe. Thanks.|

  18. It’s appropriate time to make some plans for the future and it’s time to be happy. I have read this post and if I could I wish to suggest you few interesting things or suggestions. Perhaps you can write next articles referring to this article. I want to read more things about it!|

  19. Hey there! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.|

  20. Hello! I know this is kind of off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.|

  21. Hello, I think your blog might be having browser compatibility issues. When I look at your blog in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, wonderful blog!|

  22. Thank you for any other informative blog. The place else could I get that type of info written in such an ideal means? I have a challenge that I am just now running on, and I have been at the look out for such information.|

  23. Someone necessarily help to make seriously posts I might state. That is the very first time I frequented your web page and up to now? I amazed with the research you made to create this particular post amazing. Wonderful job!|

  24. I’m really loving the theme/design of your web site. Do you ever run into any web browser compatibility problems? A couple of my blog audience have complained about my blog not working correctly in Explorer but looks great in Opera. Do you have any tips to help fix this problem?|

  25. Somebody necessarily lend a hand to make significantly posts I would state. This is the first time I frequented your web page and thus far? I surprised with the research you made to make this actual post extraordinary. Fantastic process!|

  26. Wow that was odd. I just wrote an extremely long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyway, just wanted to say great blog!|

  27. I will immediately take hold of your rss as I can not find your email subscription hyperlink or newsletter service. Do you have any? Please permit me understand in order that I may just subscribe. Thanks.|

  28. Thank you for another informative website. The place else may just I get that type of info written in such an ideal approach? I’ve a mission that I’m just now working on, and I have been at the glance out for such info.|

  29. Wow, amazing blog layout! How lengthy have you ever been blogging for? you make blogging glance easy. The total look of your web site is wonderful, as well as the content material!

  30. This very blog is without a doubt awesome and also amusing. I have discovered a bunch of interesting things out of it. I ad love to return every once in a while. Cheers!

  31. I was suggested this blog via my cousin. I’m now not positive whether this publish is written by way of him as no one else recognise such particular about my problem. You’re amazing! Thank you!|

  32. Usually I don at learn post on blogs, but I would like to say that this write-up very compelled me to take a look at and do it! Your writing style has been surprised me. Thank you, quite nice post.

  33. Superb weblog here! Also your web site loads up quick! What host are you utilizing? Can I get your affiliate link to your host? I wish my internet site loaded up as rapidly as yours lol

  34. You could definitely see your skills within the work you write. The world hopes for more passionate writers like you who are not afraid to say how they believe. At all times go after your heart.

  35. Thanks for your personal marvelous posting! I seriously enjoyed reading it, you might be a great author. I will be sure to bookmark your blog and will eventually come back very soon. I want to encourage you to definitely continue your great posts, have a nice evening!|

  36. I was recommended this website by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my trouble. You are amazing! Thanks!

  37. Heya i’m for the first time here. I found this board and I find It really useful & it helped me out much. I hope to give something back and help others like you helped me.|

  38. Hi! I could have sworn I’ve visited this site before but after browsing through a few of the articles I realized it’s new to me. Anyhow, I’m definitely happy I discovered it and I’ll be bookmarking it and checking back often!|

  39. Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Actually Great. I am also an expert in this topic therefore I can understand your effort.

  40. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove people from that service? Cheers!|

  41. Great beat ! I would like to apprentice at the same time as you amend your site, how can i subscribe for a blog site? The account helped me a applicable deal. I had been tiny bit acquainted of this your broadcast offered shiny clear idea|

  42. Thanks a bunch for sharing this with all of us you actually know what you are talking about! Bookmarked. Kindly also visit my web site =). We could have a link exchange arrangement between us!

  43. It’а†s really a great and helpful piece of information. I’а†m glad that you just shared this helpful information with us. Please stay us up to date like this. Thanks for sharing.

  44. It’s a pity you don’t have a donate button! I’d most certainly donate to this outstanding blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this site with my Facebook group. Chat soon!|

  45. Remortgage with Bad Credit If you are a homeowner and need to raise cash for something – for example, a new car, a holiday or home renovations – a remortgage is an excellent method of releasing capital in an existing property. You can often also obtain a better deal at the same time, making it a win-win situation. However, if you have suffered financial problems since your initial mortgage was obtained, you might find that certain doors are now closed to you, and that might include the door to your current lender. As your circumstances have changed, the fact they gave you your initial mortgage is no guarantee they will agree to offer a remortgage deal. Even if they do, the terms they offer might be less favourable than your current deal. Having an adverse credit score can be an obstacle and present a real challenge to be overcome. If you are in this position take heart, as a bad credit score does not necessarily mean that you’ll be unable to remortgage your property. There are likely to be options available to you. To help you understand the situation, let’s first take a look at why lenders might be unwilling to offer you a remortgage deal. Bad credit calculator Find out if you can get a mortgage with our new calculator. Check here Why Might Lenders Be Unwilling to Remortgage? Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. However, as with most things involving finance, there are a number of truths and myths which can become blurred. The biggest misconception is that the answer to a bad credit remortgage application will always be a resounding ‘no’. In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

  46. [url=http://cialispills.us.org/]where to buy cialis online no prescription[/url] [url=http://trazodone247.us.com/]Trazodone[/url] [url=http://viagra247.us.com/]Generic Viagra Online[/url]

  47. [url=http://colchicine247.us.com/]Buy Colchicine[/url] [url=http://trazodone247.us.com/]trazodone 100mg[/url] [url=http://cheapvardenafil365.us.com/]cheap vardenafil online[/url]

  48. [url=http://buy-ampicillin.store/]ampicillin[/url] [url=http://paxil.mba/]paxil 15 mg[/url] [url=http://lisinopril.live/]visit this link[/url] [url=http://buy-provera.reisen/]buy provera[/url]

  49. [url=http://genericvaltrex.pro/]valtrex[/url] [url=http://cialisprice.shop/]compare prices cialis[/url] [url=http://genericlasix.pro/]lasix generic[/url] [url=http://clonidine.fail/]clonidine hcl .2mg[/url]

  50. [url=http://doxycycline.shop/]doxycycline hyc 100mg[/url] [url=http://cialisprice.shop/]compare prices cialis[/url] [url=http://plavixgeneric.store/]plavix[/url] [url=http://buy-amoxicillin.reisen/]amoxicillin 500mg cost[/url]

  51. [url=http://buy-lipitor.store/]lipitor[/url] [url=http://buy-cymbalta.store/]read more[/url] [url=http://levitraprice.pro/]levitra price[/url] [url=http://diclofenacgel.pro/]diclofenac sodium[/url]

  52. Someone essentially help to make severely articles I would state. That is the very first time I frequented your web page and to this point? I surprised with the analysis you made to create this actual put up incredible. Wonderful process!|

  53. [url=http://strattera.live/]strattera[/url] [url=http://buyantabuse.reisen/]antabuse substitute[/url] [url=http://buy-abilify.reisen/]generic abilify[/url] [url=http://atarax.directory/]atarax[/url]

  54. I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to design my own blog and would like to find out where u got this from. thanks|

  55. [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url] [url=http://cialispills.us.org/]cialis online[/url] [url=http://cymbaltageneric.us.org/]Generic Cymbalta[/url]

  56. [url=http://doxycycline100mg.us.org/]doxycycline tablet[/url] [url=http://colchicine247.us.com/]probenecid colchicine combination[/url] [url=http://viagra247.us.com/]Generic Viagra Online[/url]

  57. [url=http://lisinopril20mg.us.org/]lisinopril 10mg[/url] [url=http://cephalexin250mg.us.org/]cephalexin antibiotics[/url] [url=http://erythromycin500mg.us.org/]order erythromycin online[/url]

  58. [url=http://colchicine247.us.com/?How=Is=Insulin=Glargine=Metabolized]how is insulin glargine metabolized[/url] [url=http://colchicine247.us.com/?Cipro/For/Bowel/Infection]cipro for bowel infection[/url] [url=http://colchicine247.us.com/?Wellbutrin=Generic=Weight=Gain]wellbutrin generic weight gain[/url]

  59. [url=http://viagra247.us.com/]order generic viagra online[/url] [url=http://trazodone247.us.com/]trazodone[/url] [url=http://doxycycline100mg.us.org/]doxycycline pharmacy sale[/url]

  60. The truth is, bad credit mortgages are harder to arrange and as a result eligible customers are often treated badly, messed around by brokers or lenders who don’t understand the circumstances, or neglected and misinformed they can’t do what they want. Thankfully the specialists we work with offer an expert service for customers of all backgrounds. How do we know? Because we train them ourselves, and license them to handle your type of enquiry only if they know what they are doing and work with the lenders on a daily basis. As whole of market brokers, the adverse credit remortgage specialists also have links to lenders who consider bespoke deals for those who don’t fit even the most flexible of lender. So, if there is an adverse credit remortgage out there for you, they’ll find it. With any remortgage, bad credit can cause real problems. We are asked regularly, ‘can I remortgage with bad credit?’ Many borrowers want to know specifically which types of credit issue are acceptable, so below we have created a list and outline what is and isn’t possible when getting approved for a remortgage with bad credit: No credit history Low credit score Late payments Missed mortgage payments Defaults CCJ’s IVA’s Debt management Schemes Repossessions Bankruptcy Payday Loans And mortgage customers with multiple credit problems There are all sorts of different reasons customers look for a bad credit remortgage, including: Debt consolidation (bad credit mortgage refinance) Looking for a better rate Capital raising to purchase something (house/car/holiday etc) Let to buy remortgage with bad credit (remortgaging onto a buy to let and moving home) Marital split (remortgaging to buy out ex partner) Raising money for investment purposes (that not all lenders consider) If you’re looking for any of the above, or are simply just seeking some information, please get in touch and we’ll have one of the experts offer you the advice you need. How to remortgage with bad credit: Bad credit remortgages are a tricky thing to explain in one article and still make it relevant for everyone, because every situation is different. Lenders have certain criteria but then for certain customers, it may be possible to overturn a case that would usually be a decline, if it is a strong proposition for a lender regardless. Sometimes, customers with huge savings and great LTV’s can obtain bad credit home mortgage refinance deals regardless of their credit history. Below is a step-by-step guide of the best way to remortgage for bad credit customers, to help them prepare for applications and to assist them in gathering the right info for us upfront, so we can be best placed to offer the right advice. Don’t go to your bank! This is a very important step. I know it sounds so biased coming from a mortgage broker website but it’s true. We are NOT anti-banks, we all need them. We are pro helping you get what’s best. Your bank is only ever in it to make a profit for themselves. There’s good money in mortgages and as the market is so competitive, these single bank advisers are taught to gain commitment from enquiries as soon as possible. This minimises the risk of you strolling into the bank next door and finding a better rate, or worse, going online. As such, they are actively encouraged and often targeted to credit score any customer willing to sit in their office – great if you don’t want to shop around and have clean credit – not great if you’re looking for poor credit remortgages or want the best deals you can get. Credit scoring with a lender that won’t lend to you is an unnecessary and damaging process, that can often leave you in a worse position because a further credit score has been added to your file. Get your credit report Before you do anything (even before you don’t go to your bank), you need to find out what you’re working with. To remortgage with bad credit history it is vital to understand which issues will effect you, and how to overcome them by finding a lender or repairing your credit file. Remember: It’s what’s on your file that’s important, so any late payments or other issues that haven’t been registered with a credit reference agency won’t usually matter. The only exceptions to this are when you are applying for a mortgage with your bank, where you may have exceeded on overdrafts or credit cards or had issues with other arrangements like direct debits bouncing etc, and your bank keeps a record of them on your account. These can be things they take into account with their mortgage credit scoring system, but aren’t usually required to report to credit reference agencies so only your bank would know about them. In these instances where your bank may give you a low or medium score because of issues on your account, other lenders outside of that banking group may give you a higher score – Something to keep in mind if you’re struggling to work out why you’ve been declined. Also, it’s often the case where we help customers who have never checked their file and fear the worst, often having buried their heads in the sand, to then go on to find out things aren’t as bad as they thought. Actually, its surprising for a lot of people what is available in terms of bad credit remortgages in the UK, and that there are lenders out there with flexible criteria that still have competitive rates. NOTE: We advise you sign up for all three of Experian, Check My File, and UK Credit Ratings. Each lender uses a different one and often times they show different information. It’ll take an extra 5 minutes but if you’ve had problems and have been declined with a lender before, then it’s very much worth it. You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. Map your credit file to the most appropriate lender The broker will then research all the best remortgage deals for bad credit based on your loan amount and LTV, and work from the top down the list to the first lender that will be most likely to accept your application. Obviously if you have more severe credit history issues then a high street lender with the best deals is unlikely to approve you, so your rate and/or fees are likely to be higher. Don’t let that scare you however – you’d be surprised that the deals tend not to be astronomical and actually are still competitive. If there’s no one that will consider your application due to your credit history at that particular LTV, then be prepared to find more equity/deposit to lower the LTV into a bracket that lenders will consider (this may only be a few depending on your current situation, as lenders at 85 are much more flexible than at 90). The alternative is being patient enough to wait for your credit report to recover over time, as the older the issues are, the less impact they have. Click for a detailed article on How to recover your credit report as quickly as possible. TOP TIP: One of the best things you can do to increase your credit score is to obtain an adverse specific credit card, and spend and repay in full on a monthly basis – this helps to prove you can borrow and live within your means at the same time, and you’ll notice your score improve over the coming weeks and months. There are 2 options here, the first is a standard credit card specifically for those with bad credit, the second is for those who are declined for standard cards and need a guaranteed-acceptance card (usually if you have had more severe and more recent adverse credit). We’d recommend trying for the Aqua card first, then go for the Mastercard if declined. the Card by Aqua here

  61. It is perfect time to make some plans for the future and it is time to be happy. I’ve read this post and if I could I desire to suggest you few interesting things or tips. Maybe you could write next articles referring to this article. I want to read even more things about it!|

  62. [url=http://colchicine247.us.com/?Vaginal=Dryness]vaginal dryness[/url] [url=http://colchicine247.us.com/?Effexor,Alternative,Drugs]effexor alternative drugs[/url] [url=http://colchicine247.us.com/?alli/weight/loss/cheap]alli weight loss cheap[/url] [url=http://colchicine247.us.com/?cefdinir*description]cefdinir description[/url] [url=http://colchicine247.us.com/?Clindamycin*And*Chlamydia]clindamycin and chlamydia[/url] [url=http://colchicine247.us.com/?Dr*Ready’s*Celexa]dr ready’s celexa[/url] [url=http://colchicine247.us.com/?Nexium:Lisinopril]nexium lisinopril[/url] [url=http://colchicine247.us.com/?Seroquel.med]seroquel.med[/url]

  63. [url=http://colchicine247.us.com/?Singulair*For*Allergies*And*Congestion]singulair for allergies and congestion[/url] [url=http://colchicine247.us.com/?bactrim:ds:indications]bactrim ds indications[/url] [url=http://colchicine247.us.com/?Reductil=Harga]reductil harga[/url]

  64. [url=http://cialis365.us.com/]ORDER CIALIS[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide no prescription[/url] [url=http://cheapvardenafil365.us.com/]vardenafil[/url]

  65. It’s really a cool and useful piece of information. I am glad that you just shared this helpful info with us. Please keep us up to date like this. Thank you for sharing.|

  66. [url=http://colchicine247.us.com/?amlodipine,vs,doxazosin]amlodipine vs doxazosin[/url] [url=http://colchicine247.us.com/?Price;Of;Insulin;Glargine;At;Walmart]price of insulin glargine at walmart[/url] [url=http://colchicine247.us.com/?diflucan:off:label:use]diflucan off label use[/url] [url=http://colchicine247.us.com/?Flagyl=And=Depression]flagyl and depression[/url]

  67. [url=http://colchicine247.us.com/?wellbutrin*sr*without*prescription]wellbutrin sr without prescription[/url] [url=http://colchicine247.us.com/?Price*Mechanism*Of*Action*Of*Terramycin]price mechanism of action of terramycin[/url] [url=http://colchicine247.us.com/?Retin-a=Vs=Differin]retin-a vs differin[/url] [url=http://colchicine247.us.com/?aldactone/medication]aldactone medication[/url] [url=http://colchicine247.us.com/?epitol=ingredients]epitol ingredients[/url] [url=http://colchicine247.us.com/?simvast]simvast[/url] [url=http://colchicine247.us.com/?Rumalaya=H]rumalaya h[/url] [url=http://colchicine247.us.com/?Sildenafil:By:Vbulletin]sildenafil by vbulletin[/url] [url=http://colchicine247.us.com/?metformin*pcos*tired]metformin pcos tired[/url] [url=http://colchicine247.us.com/?Apicort]apicort[/url]

  68. Hi, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you reduce it, any plugin or anything you can suggest? I get so much lately it’s driving me mad so any help is very much appreciated.|

  69. [url=http://colchicine247.us.com/?Generic=Benadryl=While=Pregnant]generic benadryl while pregnant[/url] [url=http://colchicine247.us.com/?Clindamycin/Alternative]clindamycin alternative[/url] [url=http://colchicine247.us.com/?Clarithrobeta]clarithrobeta[/url] [url=http://colchicine247.us.com/?Molecular:Weight:Lithium:Chlroride]molecular weight lithium chlroride[/url] [url=http://colchicine247.us.com/?toprol=migraine]toprol migraine[/url] [url=http://colchicine247.us.com/?Viagra,Alerts,Google,Charles,Linskaill,Reply]viagra alerts google charles linskaill reply[/url]

  70. [url=http://colchicine247.us.com/]colchicine with no prescription[/url] [url=http://fluoxetine20mg.us.org/]Purchase Fluoxetine[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url]

  71. [url=http://colchicine247.us.com/?cialis/hearing/loss]cialis hearing loss[/url] [url=http://colchicine247.us.com/?buy*prozac*online]buy prozac online[/url] [url=http://colchicine247.us.com/?Keppra,Discount]keppra discount[/url] [url=http://colchicine247.us.com/?pepcid,travel,size]pepcid travel size[/url]

  72. [url=http://colchicine247.us.com/?dosage,of,nolvadex,for,pct]dosage of nolvadex for pct[/url] [url=http://colchicine247.us.com/?abilify/generic/release]abilify generic release[/url] [url=http://colchicine247.us.com/?lithium:ion:ik:battery]lithium ion ik battery[/url] [url=http://colchicine247.us.com/?citalopram=archery=10=hbr=9]citalopram archery 10 hbr 9[/url] [url=http://colchicine247.us.com/?Clinical*Studies*Of*Clonidine*Infoot*Ulcer]clinical studies of clonidine infoot ulcer[/url] [url=http://colchicine247.us.com/?lasix*generic*4]lasix generic 4[/url]

  73. Heya superb website! Does running a blog similar to this require a great deal of work? I’ve no knowledge of programming however I was hoping to start my own blog soon. Anyways, if you have any suggestions or tips for new blog owners please share. I know this is off topic but I simply wanted to ask. Appreciate it!|

  74. [url=http://colchicine247.us.com/?how;to;get;clomid;without;a;prescription]how to get clomid without a prescription[/url] [url=http://colchicine247.us.com/?Advair*Generic*World*War*Z*Release*Date*Changed]advair generic world war z release date changed[/url]

  75. [url=http://colchicine247.us.com/?Sildenafil;50mg;Tablet]sildenafil 50mg tablet[/url] [url=http://colchicine247.us.com/?verapamil/and/lisinopril]verapamil and lisinopril[/url] [url=http://colchicine247.us.com/?Vitamin/C/6000/Mg]vitamin c 6000 mg[/url] [url=http://colchicine247.us.com/?allegra:and:muscle:cramps]allegra and muscle cramps[/url] [url=http://colchicine247.us.com/?oretic;esidrix]oretic esidrix[/url]

  76. [url=http://colchicine247.us.com/?Flagyl/Odor]flagyl odor[/url] [url=http://colchicine247.us.com/?Female:Viagra]female viagra[/url] [url=http://colchicine247.us.com/?can*you*mix*tramadol*with*percocet]can you mix tramadol with percocet[/url]

  77. [url=http://colchicine247.us.com/?cymbalta*sound*of*music*reviews*carrie*underwood]cymbalta sound of music reviews carrie underwood[/url] [url=http://colchicine247.us.com/?cipla,sildenafil,citrate]cipla sildenafil citrate[/url] [url=http://colchicine247.us.com/?gyne-lotrimin*cosgyne-lotrimin]gyne-lotrimin cosgyne-lotrimin[/url] [url=http://colchicine247.us.com/?liver=enzymes=amiodarone=on=substrates]liver enzymes amiodarone on substrates[/url] [url=http://colchicine247.us.com/?dosing/paxil/vs/prozac]dosing paxil vs prozac[/url] [url=http://colchicine247.us.com/?digoxin:25mg:tab]digoxin 25mg tab[/url] [url=http://colchicine247.us.com/?aleve:caffeine]aleve caffeine[/url] [url=http://colchicine247.us.com/?purple:pharmacy:algodones]purple pharmacy algodones[/url]

  78. [url=http://colchicine247.us.com/?Ibidomide]ibidomide[/url] [url=http://colchicine247.us.com/?uses,for,triamcinolone,acetonide,0.1,cream]uses for triamcinolone acetonide 0.1 cream[/url] [url=http://colchicine247.us.com/?Felosma]felosma[/url] [url=http://colchicine247.us.com/?tramadol/medication/you/can/take/during/pregnancy]tramadol medication you can take during pregnancy[/url] [url=http://colchicine247.us.com/?celexa=used=to=quit=drinking]celexa used to quit drinking[/url] [url=http://colchicine247.us.com/?Testosterone=Treatment=Men]testosterone treatment men[/url] [url=http://colchicine247.us.com/?Buy*Diclofenac*Injection]buy diclofenac injection[/url]

  79. [url=http://colchicine247.us.com/?Provera;Pill;To;Induce;Period]provera pill to induce period[/url] [url=http://colchicine247.us.com/?Nexium;Rebate;Coupon]nexium rebate coupon[/url] [url=http://colchicine247.us.com/?meloxicam=impurity=b]meloxicam impurity b[/url] [url=http://colchicine247.us.com/?canadian=generic=lipitor]canadian generic lipitor[/url] [url=http://colchicine247.us.com/?Average,Daily,Dose,Of,Prozac]average daily dose of prozac[/url] [url=http://colchicine247.us.com/?ropinirole=birth=defects]ropinirole birth defects[/url]

  80. Right here is the perfect website for anybody who hopes to understand this topic. You understand a whole lot its almost tough to argue with you (not that I really would want to…HaHa). You certainly put a fresh spin on a topic that’s been discussed for ages. Great stuff, just wonderful!|

  81. [url=http://trazodone247.us.com/]trazodone mail order[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url] [url=http://cipro247.us.com/]Buy Ciprofloxacin Online[/url]

  82. [url=http://erythromycin500mg.us.org/]erythromycin 500 mg[/url] [url=http://lisinopril20mg.us.org/]lisinopril 20mg[/url] [url=http://fluoxetine247.us.com/]fluoxetine online[/url]

  83. Fantastic goods from you, man. I have understand your stuff previous to and you’re just extremely fantastic. I really like what you’ve acquired here, certainly like what you are stating and the way in which you say it. You make it enjoyable and you still care for to keep it sensible. I cant wait to read much more from you. This is really a great website.|

  84. [url=http://medrolpack.us.org/]medrol 16 mg[/url] [url=http://cheapvardenafil365.us.com/]vardenafil[/url] [url=http://hydrochlorothiazide12.us.org/]hydrochlorothiazide[/url]