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14/12/2009Banks restrict lending to existing customers
More people are applying for loans but fewer are securing one, and those banks that are lending are only doing so to their existing customers

14/12/2009Battle looms over BA pensions
British Airways signalled the start of a protracted battle with the Pensions Regulator over the price tag on its retirement obligations, the outcome of which will be crucial to its tie-up with Spain's Iberia

14/12/2009Top bankers destroy value, study claims
Bankers should count themselves lucky they are being hit by a mere 50 per cent additional tax on bonuses, a report argues, because their benefit to society is negative

11/12/2009Investors urged to sell before next tax rise
Seven out of ten wealth advisers warn that capital gains tax will almost certainly be raised in a pre- or post-election Budget

11/12/2009It's not just bankers seeking a way round bonus tax
Fund managers, stockbrokers, and even some financial advisers will be hit by the new 50 per cent levy on "bankers'" bonuses

11/12/200940 per cent tax to hit more middle-income taxpayers
Hundreds of thousands more taxpayers could be drawn into the 40 per cent income tax band over the next few years, accountants say, following a freeze on the higher-rate threshold and personal allowances in Alistair Darling's pre-Budget report (PBR) this week

11/12/2009Chancellor closes two inheritance tax loopholes
The inheritance tax (IHT) nil rate band is to be held at £325,000 in 2010, while the elimination of two loopholes in IHT rules may result in closer scrutiny of funds that are transferred into trusts used for IHT purposes.

11/12/2009Pension relief restricted for high earners
High earners are being advised to make contributions to their pensions now, before higher rate tax relief is scaled back further from 2011

11/12/2009Tax avoidance and evasion come under fresh assault
Tax avoidance and evasion are under siege as the government has introduced a range of measures to clampdown on both practices.

11/12/2009Energy efficiency
A boiler scrappage scheme and an exemption of all electric cars from company car tax for five years are part of a range of green measures to encourage consumers and businesses to become more energy efficient

11/12/2009Fall in income drawdown
Investors are taking a lower level of income from their pension investments in the stock market as a result of the economic climate, according to new research

11/12/2009Banks withdraw fixed rate saving deals
Banks and building societies are withdrawing many of their best savings deals, with fixed-rate products disappearing the fastest.

11/12/2009House prices higher than year ago
House prices rise year-on-year for the first time since mid 2008 in November as sales continued to pick up, in a sign of the rapid recovery in the housing market

10/12/2009Homebuyer loans hit 22-month high
The number of mortgages provided to homebuyers has reached its highest level for 22-months, according to the Council of Mortgage Lenders (CML)

10/12/2009Investors take fright at 'fiscal fiction'
Investors took fright at the perceived timidity of the government's plans to balance the books with one of the biggest sell-offs of British gilts this year

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How to improve your credit rating

It is likely that you will need to borrow money at some point in your life, whether to buy a house or a new suit.

Every time you do, lenders check credit ratings to decide whether you are a suitable person to lend to, using a process known as credit scoring.

IVA's explained

An Individual Voluntary Arrangement, or IVA, allows a debtor to avoid bankruptcy by coming to an agreement with creditors to pay off a percentage of his or her debts over a given period.