Finance JAR RSS Feed Looking at where to place your money? We look at products the UK financial sector has to offer. How will the west receive a period of economic hardship? With scarcity of resources now no longer science fiction how will the public and the finance industry respond to a less material world. Mortgage affordability tests Removing or reducing mortgage affordability checks would be a disaster waiting to happen. Equity release and the wealth effect With house prices growing at a fast pace, it's inevitable people will be looking to release equity for lifestyle spending. The growth of the HELOC How the UK will see the rise of flexible second charge mortgages, or HELOC, home equity line of credit loans. 5 year mortgages will change the industry How the rush to get low interest rate, fixed term mortgages will eventually leave no impetus in the consumer to remortgage.