0% cards have the most catches

Borrow for nothing. What could possibly go wrong?

The answer is: Lots. On the whole, it's the cheaper forms of borrowing that come with the most catches, as you'll see now.

Borrowing on a 0% cardCredit cards allow you to make purchases interest free if you pay off the balance in full every month. Some cards have introductory deals that allow you to make purchases interest free over longer periods: so-called '0% on purchases deals'.
Other cards come with balance-transfer deals, which allow you to transfer debts for an interest-free period, although this typically costs a 3% up-front fee. However, a 3% fee is more than 3% APR, as this article explains. This is just one way that credit cards can deceive us or trick us into paying more than we realise.

Credit cards can be the cheapest way to borrow if we use them correctly, but they also come with the most catches.

Read Beware these 19 credit card tricks to find out more.
Borrowing at 8% to 12% APR with a loanNext we have unsecured personal loans. The cheapest right now are advertised at a little under 8% APR, although I explained in this article how the APR can be seriously manipulated, particularly if there is a compulsory payment holiday at the start of the loan.

Some unsecured personal loans charge over 20% APR, but 12% APR is the most you should consider paying on any form of borrowing without getting advice. If you're unable to borrow at 12% APR or less, you should consider other debt solutions first.
Some of the tricks loan providers use are similar to credit-card providers, such as atypical APRs, big penalties for small mistakes and over-priced protection insurance. A different trick is to decline your application and refer you to other lenders, which will pay the original lender a fat commission if you take up their much more expensive products with worse terms and conditions.

Another trick is an annual payment holiday, which will increase the interest you pay every single month until the end of the loan.

One particularly nasty trick that people aren't made properly aware of is that unsecured debts can still be secured against your home if the lender can obtain a court order, and this can lead to repossession of your property if the lender is able to obtain a second court order. The larger your total debt, the greater the risk of a repossession order being granted on an unsecured debt.
Despite these tricks, cheap, fixed-rate personal loans come with far less booby traps than credit cards.

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BBC - Nick Robinson's Newslog: Moats, Mortgages and Mayhem

If you're new to BBC Blogs, creating your membership is quick and easy. Previous; Next. 1. At 6:03pm on 26 Jun 2009, StrictlyPickled wrote: Moats, mortgages ...

http://www.bbc.co.uk/blogs/nickrobinson/2009/06/moats_mortgage.html

Buy-to-let: Landlords get squeezed even harder

The property market may be being talked up in many quarters but buy-to-let landlords are finding it even harder to get a mortgage.

Buy-to-let specialist Paragon’s latest Trends research suggests more than half of the professional landlords surveyed have attempted to secure a new mortgage in the three months to the end of August and nine out of ten of them said doing so was getting tougher.
And this provides a vital counterpoint to all the stories of cash rich buy-to-let investors snapping up bargain homes, or landlords enjoying super-low tracker mortgage rates.
Paragon says there were just 196 buy-to-let mortgages available at the end of August – a colossal 94.4% down on August 2007 and a slip from the 218 available in May.

For all the talk of potential recovery in house prices, buy-to-letters are one fairly influential tribe that is being conveniently ignored by the property bulls.
The vast majority of them need mortgages to buy property or remortgages to provide some security on the ones they own.

Ironically, it’s now when rates are low and property is cheaper and the figures stack up on buying a property and renting it out, or it would make sense to try to secure a good remortgage deal, that they are having the biggest problems.

And these are problems that did not exist at the height of the boom, when lenders were throwing money at them for overvalued properties.

Buy-to-let landlords gave the property boom a massive of shot in the arm. Council of Mortgage Lenders’ figures show in the first six months of 2007 that there were 169,500 buy-to-let mortgages advanced, worth £21bn. In the first six months of this year there were 44,000 mortgages worth £4bn.

Mortgage lenders’ current attitude to buy-to-let suggests that we won’t be heading back up to that £21bn anytime soon.

Good news for first-time buyers, when the mortgage dam eventually breaks, but bad news for those hoping house prices surge again.

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