Making Your Boss A Cuppa 'Good For Career'

Making your boss a good cup of tea could help you get ahead in your career, according to new research.

A survey showed that 1,600 workers thought there was a direct link between making drinks and being promoted.

Research carried out by office supplies firm Viking claims there is a direct correlation between making lots of hot drinks for colleagues and getting promoted at work.

Sophie Christopher of Viking said: "It is mainly because being prepared to make the tea or coffee demonstrates qualities such as attentiveness, humility and pro-activity which many employers welcome."

However, whilst the study shows that workers are keen to offer their bosses drinks, the same does not apply to their co-workers.

Workers refrain from offering their colleagues tea or coffee because they were too demanding, the study said.

Ms Christopher said: "Asking how do you like it has never been more complicated because office workers are increasingly likely to specify their choice of tea or specify the precise amount of milk needed to create their perfect cuppa."

The research showed that 41% of workers maintain they make their fair share of tea.

Short Term Asset Finance - Anything from £1,000 to £1,00,000

Our introducers programme allows IFA's, mortgage brokers, accountants, solicitors, lawyers, wealth managers & tax advisors to offer short term loans of up to £1,000,000. All loans are non-status and secured against Jewellery, Luxury Watches, Gold, Fine Art, Antiques, Sculptures, Luxury Cars, Yachts, Speedboats and other high value assets, best one's I've heard to date are a tank and an Ivan Novello Awards.

Approval in Principle is provided in minutes and cash is advanced within 24 hours. There are no credit checks, redemption, expiry or penalty fees for your client, also no income proof is required.

We receive up to 7.5% commission of the loan value (Which would be split 50/50), 50% paid 15 days after completion and 50% paid if the loan is still running after 4 months

We will lend up to 70% of the value of the items (typically around 50% though) with loans from £1,000 to £1,000,000 which can be taken over a 1 to 12 month term. All valuation experts have worked for leading auction houses, including Sotheby's, Christie's and Bonham's.

In summary

· Approval in Principle within minutes
· Cash advanced within 24 hours
· All loans are non-status and secured against assets
· No set-up, extension, redemption, exit, expiry or penalty fees for your client
· No credit checks

All we need is a name and contact details for the client (Anywhere in the UK) along with a brief description of the item, we'll do the rest…

PS - Remember all assets are stored in secure and insured specialist vaults / premises for the duration of the loan

Secured Loans for Debt Consolidation

Secured loans are loans that are only available to homeowners. To be eligible for a secured loan you have to have equity in your property. Equity is the difference from your mortgage balance and your property value. The differnce in between is how much you can borrow.
Secured loans are one of the ways a homeowner can borrow cheaply. This is due to secured loans a low APR, usually lower than unsecured loans. This is due to the secured loan lender having a charge on your property and in this way the lender has more confidence in getting their money back.


Secured loans can be used for almost any legal puropse. Many have used a secured loan for debt consolidation which can be a massive saving every month and exspecially if you are taking out a debt consolidation loan to pay credit card debts as with credit cards many of us only pay the minimum payment every month and by doing this we are really only paying the interest and not getting the balance any lower. By paying the minimum payment it will take years and years to pay off the credt cards as thay are known for their very high interest rates. However by taking out a secured loan for debt consolidation the interest rate will be much lower and at the end of the period you will be debt free. A secured loan to clear credit cards can save massive amounts of money every month. Some people have saved thousands and thousands of pounds.


Anyone that is thinking very seriuosly about taking out a secured loan for debt consolidation should really consider a secured loan. This is ideal if you have high balances on credit cards. If you have loans that have not long too long to run until they are paid off or maybe at a good rate they should not be consolidated as the only way to save a good amount of money is by taking out a secured loan over a longer period of time. Although this is not always the case as some home improvement loans can be very expensive but if you are looking at debt consolidation to clear other loans you should make sure that you are saving a lot in the long run.


Secured loans have to be agreed with all members who are on the mortgage, ie. your partner and any other parties have to sign for a secured loan and be made aware of a secured loan and a secured loan therefore should benefit all parties who own the property.


Secured loans are usually taken out between five years to twenty five years although you can usually pay them back at any time with a small penality. This should be on the loan agreement or on the terms and conditions.


Some homeowners prefer to remortgage their property to raise extra funds as the interest rates with a mortgage are usually the lowest available, but sometimes a secured loan would be better. As many peoples circumstances might have changed since getting their current mortgage or some might be tied in for a certain amount of time and have penalities to come out of their current mortgage deals or some might be happy with their lender and not want to switch lender. Others might not want to ask theie current mortgage lender for extrafunds.


Secured loans are very popular and before the recession the underwriting was much slacker.Therefore being able to get a secured loan with little or no equity and unlimited adverse credit has all changed but there are signs of some improvement in the secured loans industry but it will take a long long time for the secured loan market gets back to the way things were that is if they ever come back.


Secured loans are available to employed, self employed and retired and there are still secured loan lenders lending to self employed applicants with limited proof or no proof. Secured loan lenders that lend to self employed applicants might ask to prove your income and this can be done by bank statements, accountants reference, your company letter head or business card. All these things will be accepted. Some secured loan lenders will like to see you trading for over twelve months but there are some secured loan lenders that will lend if you have been trading less than this.

Secured Loans

In this current economic climate a secured loan can be a very good way for homeowners to borrow the money they require for home improvements, weddings etc...

A secured loan can be a good way of paying for a large purchase such as a boat, motorhome, caravan or even a car. A secured loan is usually the best way to consolidate H.P, high interest loans and credit cards.

By taking out a secured loan for consolidation a homeowner can save a considerable sum of money monthly. In these uncertain times a secured loan used for consolidation can give a person peace of mind in that they only have one secured loan to pay each month instead of having numerous loans, credit cards, etc. If a homeowner is tied into his or her mortgage a great interest secured loan can be the better solution.

I Need A Secured Loan But I Have Bad Credit So Can I Get A Bad Credit Loan?

Secured loans are obviously, as their name clearly states, a form of loan that must be secured against an asset. There are numerous types of secured loans, but here today we want to discuss the secured homeowner loan.

The asset that must be put up is the equity on either a primary or secondary residence. It is only a lucky minority of people who actually have an additional property.As these loans are secured loans tenants who do not actually own the house in which they live cannot apply. The only kind of loans available to a non homeowner is an unsecured loan. However unsecured loans are not readily available, and even for homeowners an unsecured loan is hard to come by.

Therefore a secured loan is by far the best way for a homeowner to raise money for a number of purposes.In fact a secured loan can be used for almost any legal purpose such as to buy a car, to carry out home improvements, to go on a cruise or any other type of holiday or even to pay for the wedding of your dreams.

To obtain a secured loan you must have enough equity on your property and equity is what is left when you deduct the mortgage balance from the value of the property. If a homeowners property is worth 250,000 and he has a mortgage balance of 160000 the available equity is 100000.

So saying it is not possible since the advent of the recession to borrow up to 100% of the value of the property as it was until 2007. Then there was even the 125% equity plan where by it was possible to borrow up to 25% above the value of the property.

Since the credit crunch there are no longer any 100% let alone 125% equity plans. The LTV now are for employed secured loan borrowers and self employed secured loan borrowers are 80% and 70% respectively. So saying the maximum available secured loan would be therefore be 40,000 and 15,000 respectively, based on the figures already given as an example.

For homeowners wanting a secured loan but with a poor payment profile, bad credit loans still exist, but are much restricted from their position. Prior to the recession extremely adverse credit loans were available at 80% LTV.

Even homeowners on the verge of having their homes repossessed due to serious mortgage arrears could obtain these bad credit loans. Sometimes it was no bad thing, as the mortgage arrears could have been due to ill health, redundancy and no blame could be attached to the poor unfortunate homeowner.

Now bad credit loans are still available, but even if the bad credit is fairly mild the maximum LTV is normally only about 70% and the number of secured loan lenders operating bad credit loan plans has decreased dramatically during the credit crunch.
For this bad credit secured loan it would mean that if First European Securities was prepared to grant a loan advance the maximum loan would be severely restricted. For homeowners with a good credit rating a maximum loan of 100,000 can be available, but with these two bad credit lenders the maximum loan available is in the region of 25,000. To give an example if a property is worth 200000 and the mortgage is 100,000 there is no equity for a bad credit secured loan at all. The maximum mortgage balance in this instance would need to be 90,000 if the applicant wanted a bad credit loan of up to 10,000.

Therefore to sum up bad credit loans are available but with much stricter underwriting criteria now than two years ago.

Loans Warehouse has been established since 2006. We arrange secured loans for any circumstances. With whole of the market secured loans and mortgages are also available. Visit our site at www.loanswarehouse.co.uk.

Debt help and debt advice from Loans Warehouse to help get rid of debt

If you are a homeowner, tenant, retired or living with your parents and struggling with debt such as unsecured loans, credit cards debt and loans Loans Warehouse can help you manage your debt and to relieve you from any financial stress and pressure, and help you become debt free.

Loans Warehouse understand that having debt can be a very worrying time and can cause a lot of stress when this pressure can be removed by us arranging a debt solution for you.

Loans Warehouse have been established for over five years and we can arrange IVA's, Trust Deeds, Bankrupcy, Debt relief, debt help, debt management, and many other debt plans and debt solutions. We can help with your debt and offer you a solution to your debt worries. We can offer many debt solutions to help.

If you have been turned down for a loan or mortgage for debt consolidation we will have the solution and we can still help to turn your life around.

We can negotiate with your creditors on your behalf and in most cases they will agree to freeze the interest that you are paying them. Your creditors will also stop hassling you by post or telephone and they will start to deal with us taking the stress totally off yourself and becoming debt free in a few years time. (We have a wide range of debt plans available).

If you are in debt you certainly are not alone and seeking debt help and debt advice will be a lot easier than you might think. We offer a confidential and professional debt service.

With us arranging a debt management program, IVA, Trust Deed, Bankrupcy, debt help, debt advice or any other debt solution we can get your life back on track and you will not have to worry about your debt again as this will all be under control.

Loans Warehouse can solve any kind of debt problem that you have and we can make your life a lot more manageable.

Many people in the UK and throughout the world are in exactly the same situation as you but you do not have to struggle with any debt as we can help you become debt free by arranging a debt plan that you will be comfortable with.

Speak to us today on 0800 0324010 or apply online today and start living again by becoming debt free and start to be totally free of your debt worries.

WE CAN NEGOTIATE WITH ALL YOUR CREDITORS AND WE CAN DEAL WITH YOUR DEBTS AND YOU CAN START LIVING AGAIN AND BEING TOTALLY STRESS FREE BY LETTING US ARRANGE A DEBT PLAN AND GIVING YOU DEBT ADVICE.

Secured Loan Opportunities

Many people have been very badly affected financially by the recession and it's aftermath, and in fact for many, financial mateers are as bad or even worst than before.

In the course of the last few years many people in employment witnessed a decline in their earnings due to a cut in overtime hours, having to accept a reduction in their salary in order to keep their jobs, while others were working three days instead of the usual five with their income cut in proportion to their working hours.

There were households who saw their income halved, as one member of the family was made redundant.

Lifestyles of a good percentage of the public changed to an enormous extent, as people tried to ecconomize as their earnings dropped. For example some who always ate in restaurants once or twice a week stayed at home and ordered carry out pizzas and Chinese and Indian meals instead.

Savings were made in shopping for groceries, as frozen food which is cheaper often replaced the fresh variety.

Holidays were severely curtailed when people who normally spent their holiday in four and five star hotels abroad opted for self catering breaks. Those who were in the habit of going on a self catering basis choose to stay in their own country.

However in spite of these of these ecconomies, there were many who fell into financial difficulties and were no longer able to cope with their personal loan and credit card debts.

This remains a common situation, and it is now time to grab the bull by the horns and do something to remedy this sad state of affairs.

Credit cards become difficult to manage especially when we consider that if the minimum payment of 3% of the outstanding balance is paid each month, the amount still owed hardly decreases.

It has aways be possible to take out a debt consolidation loan to consolidate all debts in credit cards, personal loans etc. which can save a lot of money, in addition to rendering finances easier to handle.

However at present, with so many people unable to meet the repayment of their debt, many lenders are now prepared to accept what is known as a full and final settlement which means they will allow the debtor to settle each debt for a lower figure than he actually owes.

Many lenders will accept half or even less of the balance owed.

This means that if someone has credit cards with balances totalling £34,000, the lender may allow him to reach a full and final settlement of the debt for £15,000 to £17,000.

Homeowners with this amount of equity in their property can raise the money needed for this settlement by taking a remortgage or a secured loan.

With remortgages in the market for less than 2% and secured loans from 7.9%, they are reasonable ways of paying off crippling debts that make life unbearable.

Bad credit (sub-prime) mortgages

You are certainly not alone if you have experienced financial difficulties at some point in your life. This could cover anything from missing a credit card repayment to filing for bankruptcy. Unfortunately, this will almost certainly affect your ability to access a competitive mortgage deal. In fact, since the credit crunch hit the UK mortgage market, any black spots on your financial history could prevent you from finding a mortgage full stop.

Bad credit mortgages (also known as impaired credit, or sub-prime mortgages) have, until recently, been widely available to UK borrowers. In recent years many lenders decided to offer special mortgages to those classed as sub-prime borrowers (typically at a higher rate than standard deals). This included anyone who had ever been declared bankrupt, who had fallen into arrears on a mortgage or who had suffered other debt problems in the past. Bad credit mortgages were also available to those with County Court Judgements (CCJs).

Bad credit mortgage lenders

Unfortunately for those looking for a bad credit mortgage at the moment, the UK sub-prime mortgage sector has been severely affected by the credit crunch, resulting in a massive contraction of the market. Many sub-prime lenders closed their doors to new borrowers throughout 2008. On those sub-prime deals still available, rates have increased substantially and you will need to find a much bigger deposit to secure one than was previously required.

As a result, if you are currently on a sub-prime deal, your repayments may rise significantly once your initial deal period comes to an end. If you still require a bad credit mortgage, you may find it hard to access a new deal since the market is now a lot smaller than it was up until the final quarter of 2007.

Pre-credit crunch, there was a wide variety of bad credit deals available, many with very competitive rates. Some sub-prime borrowers were even able to get rates that were only slightly higher than some standard mortgage deals. However, this variety is no longer available as lenders have tightened their criteria and ceased lending to riskier borrowers, such as those who require bad credit mortgages.

But if you do need to remortgage to a new sub-prime deal, don't give up hope just yet. Speak to your current lender to find out what kind of products it has on offer at the moment. It may also be a sensible idea to seek independent advice. A mortgage broker or adviser will be able to search the entire market for new deals and can look at your current financial situation and provide tailored information and advice about your options.

You can also use best buy tables to get some idea of the rates currently on offer from UK mortgage lenders.
If you do find some suitable deals, using our mortgage calculators may give you some idea of the rates on offer. But it can also make sense to consult a bad credit mortgage broker: they will have access to all of the bad credit mortgage deals available on the market, many of which may not be available direct to the public.

Make sure you can afford any fees attached to the product as well - you can calculate how much this is likely to cost using our mortgage fees calculator.

Think carefully about what you can afford to put aside for your mortgage repayments and the associated fees. If possible, it may be worth waiting on your lender's Standard Variable Rate until you find a product that suits your current circumstances. Again, our mortgage calculators will help you work out the monthly repayments due if you choose this option.

Bankruptcy and mortgage arrears

You may have a bad credit rating if you have been declared bankrupt, fallen into arrears or incurred a County Court Judgement (CCJ) in the past. But if you have never had a bank account or have lived at lots of different addresses, this may also count against your credit status.

Once you have been with a sub-prime lender for three years, as long as you keep up your mortgage payments you should have repaired your credit rating, at least to some extent. Before the credit crunch, you would have been able to return to the mainstream market and access a new deal at a lower rate.

However, you may find the transition from bad credit mortgages to mainstream mortgages slightly more difficult now. Most lenders have reassessed their attitude to risk and are now reluctant to lend to those with any previous financial problems, no matter how small.

However, don't write off your chances of getting a mortgage before checking with a financial adviser, you may find there is a deal to suit your circumstances.

Check your credit rating

If your mortgage application has been rejected, or you simply suspect that you may have a bad credit rating, you can access your credit record via one of the following:

Experian UK
My Equifax
Checkmyfile

Once you have access to your credit report, check that all the details are correct. Regularly checking your report will help you spot any mistakes and allow you to ensure you do not fall victim to identity theft.