http://www.teachersbs.co.uk/notice/articles/index.asp Teachers Building Society articles are a collection of short pieces covering topics that have relevance to finance, teaching and the lives of teachers. http://www.teachersbs.co.uk/notice/articles/homebuy-direct.asp First-time buyers continue to face barriers in the path to owning a home as the property market remains subdued. A lack of affordable housing is one issue, and lenders requiring a deposit of at least 10% is also a challenge to many aspiring homeowners http://www.teachersbs.co.uk/notice/articles/affordable-housing.asp Moving home can be a stressful time, but with a bit of organisation you could minimise the anxiety http://www.teachersbs.co.uk/notice/articles/affordable-housing.asp Property values have nose-dived in recent times and are only just beginning to show signs that the market is stabilising. While you would expect the house price plummet to make it easier for key workers to set foot on the property ladder. http://www.teachersbs.co.uk/notice/articles/ISA-Guide.asp An ISA, or Individual Savings Account, is a tax wrapper which means that no tax is payable on the interest earned. Evolving from the PEP's and TESSA's of the 80's and 90's http://www.teachersbs.co.uk/notice/articles/up-or-down.asp For the last two or three months, news that property prices are beginning to take an upward trend has reached our ears. http://www.teachersbs.co.uk/notice/articles/mortgage-payment-difficulties.asp The global financial crisis is set to be a continuing theme this year and some people are finding it difficult to meet their mortgage payments as a result. http://www.teachersbs.co.uk/notice/articles/isa-allowance.asp With the credit crunch continuing to prevail, many experts are advocating Cash ISA's as part of a financial fitness regime to help savers get through another tough year. http://www.teachersbs.co.uk/notice/articles/TeachersBuildingSociety-NoticeBoard-Articles-NewYearCostReductions.asp January is traditionally a time to start a new regime and after the credit crunch that embraced 2008, now could be a good time to kick some bad financial habits. http://www.teachersbs.co.uk/notice/articles/retirement_planning_dec08.asp A cottage by the sea where the grandchildren can visit? A holiday apartment overlooking a sun-drenched Mediterranean bay? We can all dream of an idyllic retirement, but the only way your dreams can turn into reality is if you start planning for retirement early. http://www.teachersbs.co.uk/notice/articles/debt-free-christmas.asp High street stores have been displaying Christmas goodies for weeks and retailers are surely hoping that the festive season will sparkle despite the crunch. http://www.teachersbs.co.uk/notice/articles/surviving-the-credit-crunch.asp Worried about your finances and the rising cost of living? Start talking. Talk to your lender, your bank, family and friends. Share ideas and explore ways of reducing expenditure. http://www.teachersbs.co.uk/notice/articles/TeachersBuildingSociety-NoticeBoard-Articles-FixforLonger.asp More and more borrowers are viewing longer-term deals as the safer option in the current climate. So why are people opting for a longer tie-in when 2 or 3 year fixed rates have been popular for so long? http://www.teachersbs.co.uk/notice/articles/TeachersBuildingSociety-NoticeBoard-Articles-HowtoUpsizewithoutMoving.asp Putting off a move to a bigger home? With uncertainty continuing to dominate the property market, it could be the time to extend and stay put. http://www.teachersbs.co.uk/notice/articles/remortgage-guide.asp Remortgaging means changing your existing mortgage deal for a new arrangement, usually with a different provider. You can achieve a better mortgage deal by remortgaging from one lender to another and we recommend reviewing your mortgage every 3 years... /notice/articles/money-saving-tips.asp The climbing cost of living is putting a real strain on household budgets, but what can you do to combat the increases? /notice/articles/shared-ownership-mortgages-news.asp First time buyers are finding it increasingly difficult to enter the world of home ownership as the credit crunch continues to bite... /notice/articles/new-isa-rules.asp From 6th April, the new ISA definitions and limits for the 2008/9 tax year are now in force... /notice/articles/green-website.asp For eco buying tips, a handy checklist of energy saving ideas or information about our green further advance, check out our new green pages... /notice/articles/what-is-an-isa.asp The cost of living looks set to be a hot topic in 2008, and already we've seen increases in road fuel and food prices... /notice/articles/mortgage-affordability.asp Affordability remains a big issue among young and newly qualified teachers with the average house in England & Wales costing almost seven times the average school teacher's salary... /notice/articles/remortgage-tips.asp With plenty of deals on offer, a remortgage can be a great way to free up some cash or do up the house... /notice/articles/house-price-affordability-crisis.asp Rising house prices hitting the top of the political agenda... /notice/articles/january-savings-tips.asp Overeaten and Overdrawn. Shake off your New Year blues and give your finances a serious work out... /notice/articles/second-homes.asp If you’re looking to invest in a second home, forget Sangria in Spain and frogs legs in France; it’s time to look a little closer to home... /notice/articles/home-information-pack.asp Government changes to the controversial Home Information Pack (HIP) scheme come into force, affecting every home that is coming on the market in England and Wales...