• 0 Per Cent Credit Card
  0 Per Cent Credit Card is a reference made to a credit card which attracts zero interest usually as part of an offer. This type of card provides the individual with the benefit of not charging them interest for your card balance. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0 Percent APR Credit Card
  0 Per cent APR Credit Card provides the user of it the benefit of zero apr (0%) interest on purchases made by using the credit card in question. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0 Percent Balance Transfer Credit Card
  0 Per Cent Balance Transfer Credit Card is a term given to an action of monetary transfer to a credit card. This in turn will provide the user with the benefit of charging 0% (zero apr) interest on the amount transferred to the card. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0 Percent Credit Cards
  0 Percent Credit Cards refers to certain types of credit cards which do not charge interest when used, or when the action of a balance transfer from one credit card to the one in question. The 0 percent period is usually limited in terms of period in which the card attracts the 0 percent offer. Once finished the interest will be applied at a new rate will apply to the amount of credit outstanding on the credit card. Interest and 0 percent periods vary greatly from card issuer to card issuer.
• 0 Percent Interest Credit Card
  0 Percent Interest Credit Card is the term given to a credit card which provides the user with the benefit of no interest on their card spend. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0 Percent loan
  0 Percent Loan, you will recognise as is often advertise and displayed as ‘0%APR’. This advises that the interest rate which will be applied to any amount you borrow or loan will be Zero.
• 0% APR
  0% APR can sometimes been seen promoted and advertised as ‘0 percent loan’. This advises that the interest rate which will be applied to any amount you borrow or loan will be Zero.
• 0% APR Credit Card
  0% APR Credit Card provides the user of it the benefit of zero apr (0%) interest on purchases made by using the credit card in question. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0% Balance Transfer Credit Card
  0% Balance Transfer Credit Card is a term given to an action of monetary transfer to a credit card. This in turn will provide the user with the benefit of charging 0% (zero apr) interest on the amount transferred to the card. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0% Credit Card
  0% Credit Card is a reference made to a credit card which attracts zero interest usually as part of an offer. This type of card provides the individual with the benefit of not charging them interest for your card balance. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.
• 0% Credit Cards
  0% Credit Cards refers to certain types of credit cards which do not charge interest when used, or when the action of a monetary balance transfer from one credit card to the one in question. The 0% period is usually limited in terms of period in which the card attracts the 0% offer. Once finished interest will be applied at a new rate will apply to the amount of credit outstanding on the credit card. Interest and 0% periods vary greatly from card issuer to card issuer.
• 0% Interest Credit Card
  0% Interest Credit Card is the term given to a credit card which provides the user with the benefit of no interest on their card spend. Such cards carry strict terms and conditions of use, usually resulting in the offer being cancelled should a monthly payment be missed.

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• 100 Percent Mortgage Lenders
  100 Percent Mortgage Lenders are financial mortgage lenders who are prepared to offer mortgages so as to lend 100% of the mortgage property price.
• 100 Percent Mortgages
  100 Percent Mortgages are mortgages which provide 100% of the funds required to purchase the property. There are other funds to be paid such as administrative fees, but no deposit will be paid.
• 100 Percent Remortgage
  100 Percent Remortgage is the term which is used for a borrowing which is for the full value of your property and is only available to owners of properties that have seen a significant increase in value. 100 percent remortgages are often used to free up extra cash but providers of 100 percent remortgages are limited and often charge high rates of interest and require high monthly repayments.
• 100 percent Remortgages
  100 percent remortgages provide a loaning method whereby a loan can be sort which is for the full value of your property and is only available to owners of properties that have seen a significant increase in value. 100 percent remortgages are often used to free up extra cash but providers of 100 percent remortgages are limited and often charge high rates of interest and require high monthly repayments.

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• AAA
  AAA when spoken is pronounced tipple ‘A’ refers to a rating which is given to a bond by the investment bond agencies. AAA is the highest rating available which can be award; it means that the bond is very low risk and a very safe investment. It could also be viewed that the investor stands a better than normal chance of not losing any money, but at the same time they might not make that much either.
• Above Base Rate
  Building Societies and Banks may use this term to describe the amount of interest they charge when you’re overdrawn on your current account. If your bank has an ABR of 5%, then this means they’ll charge you 5% on top of the base rate (eg 4%) - so overall you’ll pay 9%.
• Accumulation Units
  Accumulation Units is a term which is used to describe the re-investment of dividends as well as any interest from a unit trust or life insurance fund. Accumulation units thereby increase the amount which has been invested, instead of paying out the interest or dividend as income.
• Acid Test Ratio
  Acid Test Ratio is an action in the form of a calculation which is used to measure a company’s solvency, as well as a possible indication of their creditworthiness. The acid test ratio is worked out by the formula of: - liquid assets/current liabilities = company solvency. A ratio which is of less than one is a warning.
• Actively Managed
  Actively Managed makes reference to an investment whereby the fund manager chooses a specific investment strategy. With the aim being to outperform a specific benchmark such as the FTSE 100.
• Additional Voluntary Contributions
  Additional Voluntary Contributions which is sometimes referred to in its abbreviated term ‘AVC’ is an extra pension contribution which an individual you can make. At times reference is made to such contributions being In-House AVCs. Some employers match additional voluntary contributions which are made by their employees with the aim being to increase the pension award.
• Administration Fee
  An Administration Fee is charged by some mortgage lenders, the fee is not refundable if you do not complete the mortgage application. Some lenders can include this as a part of the valuation fee if the valuation does not take place the administration fee will not be refunded.
• ADSL
  ADSL is an abbreviated term which stands for ‘Asymmetric Digital Subscriber Line’, which converts your analogue telephone line to a digital line. This means that your phone line can be used for both telephone conversations as well as transmitting data at high speed at the same time.
• ADSL Broadband
  Asymmetric Digital Subscriber Line (ADSL) is the most common type of broadband as it uses a standard phone line and is supplied via BT. It converts your analogue telephone line to a digital line (ADSL) and means that your phone line can be used for both telephone conversations as well as transmitting data at high speed at the same time.
• ADSL Connection
  ADSL Connection is a reference made to a broadband connection which is available to 99% of UK homes. ADSL offers internet access via the use of a modem, the ADSL connection allows multiple uses at the same time which includes both voice allowing you can talk on the phone as well as data which allows you can download from and upload to the internet.
• Adverse Credit Bank Account
  Adverse Credit Bank Accounts are bank accounts for people with a bad credit rating, County Court Judgements (CCJ), or have previously claimed bankruptcy. Because people needing Adverse Credit Bank Accounts pose a higher risk to the Bank or Building Society, the benefits offered by Adverse Credit Bank Accounts may be limited and will differ from bank to bank.
• Adverse Credit Card
  Adverse Credit Card is a type of credit card which is best suited to those individuals who have a bad credit history or adverse credit and is subsequently finding it difficult getting a standard credit card. The interest charged is usually slightly higher than that of a standard credit card.
• Adverse Credit Homeowner Loan
  Adverse Credit Homeowner Loan is the term which is used for a loan which constructed for people with a bad credit rating, County Court Judgements otherwise known as a ‘CCJ’, or has previously claimed bankruptcy. As people with adverse credit pose a higher risk to the lender, the interest on loans is often a lot higher than a regular loan and the repayment period may be shorter. Being a homeowner helps with these matters as an adverse credit homeowner hoan often offers lower interest rates as the loan can be secured against the borrower’s property, creating less risk to the lender should the borrower falter on repayments.
• Adverse Credit Loan Remortgage
  Adverse Credit Loan Remortgage is for people who have adverse credit which enables the borrower to remortgage their property. Even if they have a county court judgment otherwise known as a ‘CCJ’ against them, or a bad credit score or has claimed bankruptcy in recent years. Borrowers remortgage for a variety of reasons such as to replace an existing mortgage deal, the purpose being to obtain a cheaper mortgage rate, or to free up any equity gained by the rising value of the property over time. As a borrower with adverse credit poses a higher risk to the lender, remortgage loans for people with adverse credit may carry higher interest rates than regular remortgage deals.
• Adverse Remortgages
  Adverse Remortgages provide a way for a person with an adverse or bad credit rating of arranging alternative finance, by purchasing a property which is already owned/mortgaged by them. An Adverse Remortgage is often required for the purpose of freeing up equity within the property. As the borrower is a higher risk to the lender, an Adverse Remortgage usually carries higher interest rates; loan amount may be lower, and the period of repayment shorter. Different banks and lenders rates may vary considerably.
• Advisory Broker
  Advisory Broker is a phrase which refers to a stockbroker who advises investors which shares to buy and sell. Typically there is a fee which is charge for the provision of this service.
• Advisory Funds
  Advisory Funds are investments that individual and business investors pay an advisory broker to invest in.
• Affinity Card
  Affinity Card is a reference made to a card which is tied to an organisation; usually a charity or sporting club. The card issuer makes a contributory donation to the third party every time the card is used. Usually a donation is made when the card is used for the first time, but be aware that these types of cards can be less competitive in terms of charges and interest rates.
• Age Allowance
  Age Allowance refers to an enhanced personal tax allowance for those individuals who are 65 and over. So as to be able to receive age allowance for a whole tax year, the individuals will have to have reached 65 during that year.
• AIM
  AIM is an abbreviation for Alternative Investment Market is also known as AIM, often used by smaller and new companies to float as the entry rules are less onerous than a full stock exchange listing. AIM is attractive to investors as there are tax breaks available with investing in listed companies. AIM listed companies carry higher risk as the shares are not as liquid as those on the FTSE All -Share index.

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• Bad Credit Bad Credit Lenders
  Bad Credit Lenders specialise in providing loans or mortgages to borrowers with negative credit ratings. Charges levied on the loan or mortgage is usually higher because of the associated increase in risk.
• Bad Credit Bank Account
  A Bad Credit Bank Accounts is an account for people with a bad credit score, County Court Judgements (CCJ), or bankruptcy. More often, people who need Bad Credit Bank Accounts pose a higher risk to the holding Building Society or bank, so the benefits offered by Bad Credit Bank Accounts may be limited and will differ between banks.
• Bad Credit Car Finance
  Bad Credit Car Finance is a phrase which is usually linked to financial services aimed at providing loans for cars to clients with a bad or adverse credit rating.
• Bad Credit Car Loan
  Bad Credit Car Loan is a loan specifically for people with a bad credit rating who want to borrow finance in order to purchase a car. Because people with bad credit scorings pose a higher risk to the lender, bad credit car loans often carry higher rates of interest.
• Bad Credit Credit Card
  A Bad Credit Credit Card is a type of credit card which is best suited for people who have a bad credit history or adverse credit card(s) and are finding it difficult in getting a standard credit card. Higher interest rates usually apply for this type of card.
• Bad Credit Credit Cards
  Bad Credit Credit Cards are types of credit cards which are specifically for those people with bad credit ratings, such as CCJs or who have claimed bankruptcy. Bad Credit Credit Cards operate like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of borrowing, and benefits may be reduced.
• Bad Credit Home Loan
  Bad Credit Home Loan is a loan secured against a property specifically for people with CCJs, bad credit ratings or who have claimed bankruptcy. A bad credit home loan is similar to a regular home loan, but because the borrower poses a higher risk to the lender, interest rates may be higher.
• Bad Credit Loan
  Bad Credit Loan is a loan is a loan for borrowers with negative credit ratings, CCJs or who have claimed bankruptcy. Charges and interest rates on bad credit loans are often higher due to the increased risk the borrower poses to the lender.
• Bad Credit Personal Loan
  Bad Credit Personal Loan is an unsecured loan tailored specifically to the needs of borrowers who have claimed bankruptcy, have CCJ's or have a bad credit rating. Bad credit personal loans are often used for low value borrowing on a short term basis but because the borrower poses an increased risk to the lender, interest rates or often higher than non bad credit personal loans.
• Bad Credit Personal Secured Loan
  A Bad Credit Personal Secured Loan is a way in which people with bad credit ratings, CCJs, or who have claimed Bankruptcy can borrow by securing the value of the loan against a home. Because of the increased risk a borrower with a bad credit rating poses to the lender, Bad Credit Personal Secured Loans often carry higher interest rates than non Bad Credit Personal Secured Loans.
• Bad Credit Remortgage
  A Bad Credit Remortgage provides a way whereby a borrower with a bad credit rating can take out a new mortgage with a new lender even though the individual is not moving home. Often used to free up equity, a Bad Credit Remortgage often carries higher interest rates than a non Bad Credit Remortgage due the increased risk the borrower poses to the lender.
• Bad Credit Unsecured Loans
  Bad Credit Secured Loans enable people with bad credit ratings to borrow money by securing the value of the loan against their property. Because of the increased risk a borrower with a bad credit rating poses to the lender, Bad Credit Secured Loans often carry higher interest rates then non Bad Credit Secured Loans.
• Bad Debt Consolidation Remortgage
  A Bad Debt Consolidation Remortgage provides a way whereby a property owner with bad debt can raise the funds to pay off some or all of the debt. It is only possible to remortgage to consolidate bad debts so long as the property has increased in value since purchase.
• Bad Debt Credit Card
  Bad Debt Credit Card refers to cards which are suitable for people with adverse credit history who cannot get a standard credit card. Due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of borrowing, and benefits may be reduced.
• Bad Debt Remortgage
  A Bad Debt Remortgage is a term which is used for a type of loan that provides a way in which a borrower with bad debts can take out a new mortgage on their existing property. Often with the intention of freeing up equity built up within the value of the home, to pay off other debts. An application for a bad debt remortgage can only be made if the property value has increased.
• Bank Account
  A Bank Account is a financial account with a financial institution which allows the owner of the Bank Account to deposit and withdraw money. Bank Accounts offer a whole range of benefits to the owner such as cheque books, cash withdrawal cards and debit cards. Bank Accounts also pay interest on the funds deposited within them. The amount of interest paid on funds held within a Bank Account, and benefits will differ from bank to bank.
• Bank Credit Rating
  A Bank Credit Rating is a form of guide which a lender uses by way of assessing whether you are a good risk to lend to.
• Bank Loan
  A Bank Loan enables a person to borrow funds from a bank. A Bank Loan will have a fixed date by which the funds must be repaid by the borrower with interest.
• Bank Loans
  Bank Loans ares a type of debt, which entails the redistribution of financial assets over time, between the lender (the bank) and the borrower (the bank customer). The borrower initially receives an amount of money from the bank lender, which they pay back, usually but not always in regular installments, to the bank lender. This service is generally provided at a cost, referred to as interest on the debt.
• Bank Of England
  The Bank of England is the central bank of the United Kingdom. The bank was established privately in 1694 and was nationalised by the British Parliament in 1946.

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• Call Option
  Call Option is a term used which allows the bearer the right to buy a share at a predetermined price.
• Capital
  Capital is the initial sum of money which is put into the investment; it can also be used to refer to the original amount of money borrowed on a loan or mortgage, or the total net worth of a company.
• Capital and Interest Mortgage
  A Capital and Interest Mortgage is a term given to a mortgage which provides a method whereby the monthly mortgage repayments pay off both the initial loan amount and the interest that is charged upon it. At the end of the loan term the entire debt will be repaid.
• Capital Gain
  Capital Gain refers to the amount of money which is made when an asset or investment is sold or redeemed compared to the initial capital invested. Capital gain is subject to capital gains tax.
• Capital Raising
  Capital Raising is a phrased used for an action being taken to find additional funds for debt consolidation purposes. Capital raising usually occurs when a property is remortgaged and more funds than are necessary to pay off the existing mortgage are taken.
• Capped Rate
  A Capped Rate is a mortgage that is guaranteed not to rise above a specific rate within a set period. This ensures a safeguard against rising inflation rates to a certain level, but if the interest rate fluctuates below the capped rate then the variable interest rate will be paid.
• Capped Rate Mortgage
  Capped Rate Mortgage makes reference to a mortgage product which "caps" the highest interest rate that you will pay during the product term. If interest rates go down you will benefit from these reductions but if interest rates rise above the level of the "cap" then you will not pay these higher rates but remain at the capped level until interest rates fall to the level of the "cap" or the product term passes.
• Car Finance
  Car Finance is a general term which is associated with financial activities such as buying a car.
• Car Finance Calculator
  A Car Finance Calculator is a tool which can be used to help calculate the loan needed to buy a car. It will assist to identifying the deposit, monthly payments as well as overall cost of the vehicle to be purchased.
• Car Finance Company
  A Car Finance Company is a financing agent or institution who will provide a loan to purchase a vehicle, and may secure that loan on the vehicle itself.
• Car Finance Deal
  A Car Finance Deal is offered by some lenders where they will lend money on the proviso that it is specifically for the purpose of buying a vehicle. The rate of the loan may vary from lender to lender, and depending upon circumstances and amount borrowed, and may be secured on the purchased vehicle itself.
• Care Annuity
  Care Annuity is an annuity which utilised to specifically pay the fees for longterm care within a care home or nursing home.
• Cash Back Credit Card
  Cash Back Credit Card is the type of card which provides the benefit to the user of earning cash back on their credit card spend. Typically this would be a 0% of the amount spent using the card; the cash back accrued is usually credited to their account.
• Cash Back Credit Cards
  Cash Back Credit Cards are types of credit cards which provide individuals with the benefit of earning cash back on their credit card spend. Typically this would be a percentage of the amount spent using the card; the cash back accrued is usually credited to their account.
• Cash Back Mortgage
  A Cash Back Mortgage is a terms given to a mortgage product that provides a cash incentive rather than a reduced or fixed interest rate. The lender will refund a sum of money, either as a percentage of the loan or a flat figure, to the borrower when the mortgage has been completed.
• Cash Back Remortgage
  Cash Back Remortgage is a mortgage loan which has applied to it an interest related product that will pay a cash lump sum for switching your mortgage from your existing lender.
• Cash Card
  Cash Card makes reference to a card which is used to withdraw money from an ATM from your current or savings accounts. This is not necessarily the same as a debit card as a cash card may not allow debit actions.
• Cash Loans
  Cash Loans is a type of debt, which entails the redistribution of cash over time, between the lender and the borrower. The borrower would initially receive an amount of cash from the lender, which they would pay back, usually but not always in regular installments, to the lender. A Cash Loan service would generally be provided at a cost by the use of interest on the debt.
• Cashback Card
  Cashback Card is a phrase used for a debit type credit card to which funds are regularly added which then provides the user with a discount when used. The discount awarded is often provided on the card supplier’s invoices by way of a credit. The way in which some of these cashback cards work is that the user has to top up the card with funds on a regular basis, then use the card in shops which have been approved for taking part in the cashback scheme.
• Cashback Credit Cards
  Cashback Credit Cards are certain types of credit cards which pay the user each time they spend on them. Cashback Credit Cards give the user back a small percentage of their overall spend, each time and every time the use them. Provided the balance is paid off in full at the end of every month, a Cashback Credit Card could be a good source of gaining additional finance.

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• Dead Cat Bounce
  Dead Cat Bounce is a phrased used in regard to a small increase after rather drastic fall in share price. Despite the small increase in share price the likelihood is that the shares will not recover.
• Debit Card
  A Debit Card is similar to a credit card, but instead of using a line of credit with which to purchase goods the limit on the debit card is set by the amount of available funds in the owner’s bank account. Debit cards have become a fairly standard feature of many current accounts.
• Debt Loan
  A Debt Loan is a loan which is taken out to cover single or multiple debts which an individual may have outstanding. It is also referred to as a debt consolidation loan, and as such used to consolidate so that only one loan remains outstanding.
• Debt Remortgage
  Debt Remortgage is a reference made to a mortgage that allows you to consolidate outstanding debts such as loans and credit cards without having to move house. This type of mortgage allows you to reduce your monthly expense by adding expensive short term debts such as credit cards onto your mortgage whilst changing lenders.
• Deferred Annuities
  Deferred Annuities makes reference to an annuity which is purchased but where the income payments are not taken immediately.
• Delta Card
  A Delta Card is a form of debit card which is similar to the other leading debit brand Switch. The Delta card is a firm favourite for many bank accounts.
• Demerger
  Demerger identifies an action which occurs when a company splits into two separate companies. A demerger can positively affect the price of shares, since if the split is beneficial to customers then the combined price of the separate companies can be worth more than the original company prior to the demerger.
• Demutualisation
  Demutualisation occurs if a mutual company such as a building society sells to a non-mutual company.
• Department Of Pensions
  Department of Pensions is the name given to a government department which is responsible for the supervision and control of all UK pensions.
• Derivatives
  Derivatives are types of investments whereby the value of that investment itself depends upon other investment performance. A derivative can be seen as a gamble on whether other investments will increase or decrease.
• Development Loan
  A Development Loan is a sum of money which is borrowed to fund a development scheme, for example property, career or business.
• Discounted Rate
  Discounted Rate highlights an action which is sometimes applied to a mortgage product to make it more appealing in order to be taken out by some borrowers. Offered by some mortgage lenders the mortgage rate will still vary but the discounted rate will be applied to the variable rate consistently.
• Discounted Rate Mortgage
  Discounted Rate Mortgage is a terminology given to a mortgage product so as to make mortgages more attractive, a discounted rate for a period of the mortgage can be offered to the client. The mortgage rate will still vary but the discounted rate will be added to the variable rate consistently.
• Dividend
  Dividend is the terminology used in regard to a share in the profits of a company for which you are an ordinary shareholder.
• Dividend Tax
  Dividend Tax is the phraseology used to highlight a charged on dividend payment incomes, which is related to income tax.
• DSL
  DSL is an abbreviated term for Digital Subscriber Loop - DSL is a development in internet technology that allows a computer to communicate with the internet over a different piece of the telephone bandwidth, meaning that computer communications do not interfere with telephone communication.

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• Early Repayment Charge
  Early Repayment Charge is a payment charged on traditional mortgages when the loan is repaid in full within a set period. Usually it applies on a pro rata basis when capital repayments are made outside of the agreed monthly payments.
• Earnings Per Share
  Earnings Per Share is an indication of a investment in a company as to how well it’s doing and is calculated by dividing the total company income by the number of shares.
• Effective Annual Rate
  The Effective Annual Rate is the phrase which identifies the rate of interest which is being placed on a loan, but with charges and fees removed. The annual percentage rate keeps these charges and fees in. It is for this reason the effective annual rate is not always a good indicator to follow when choosing a loan since key information that affects the total amount repayable is missing.
• Electric Bill
  An Electric Bill is a household bill which identifies via an invoice the use and cost issued by the electricity supplier sometimes referred to energy supplier. Payments are required to be made against the receipt of the electric bill.
• Electricity Cost
  Electricity Cost is the term used to identify the monetary amount which is placed upon electricity used regardless whether it is a household or a business account.
• Electricity KWH
  Electricity KWH otherwise known as Kilowatt Hour is the term used to describe the measurement of electricity at 1000 watts per hour.
• Eliminate Credit Card Debt
  Eliminate Credit Card Debt refers to an action which is taken to pay off all outstanding balances on an individuals credit card.
• Endowment
  An Endowment is a savings and investment plan into which regular payments are paid usually the payments are made monthly and the money is used to fund investments over a fixed period. A lump sum can be given to the investor when the plan matures although this depends on the stock market conditions.
• Endowment Action
  Endowment Action is the term which is used for the act of trying to reclaim a shortfall in an endowment policy.
• Endowment Advice
  Endowment Advice refers to the provision of factual information and recommendations given on endowments by a suitably trained professional to advise on the best endowment product.
• Endowment Assurance
  Endowment Assurance is a term which is used in regards to a life insurance based savings and insurance policy. The sum assured is paid in the event of the policy holder’s death if it occurs within the policy period, or on completion of the policy period, should the policy holder out live it.
• Endowment Compensation Claim
  Natural Gas is a resource which is found in porous rocks and is used as a fuel in homes directly or in the production of electricity.
• Endowment Mortgage
  Endowment Mortgage is a reference to the method of capital repayment utilised to repay an outstanding mortgage. An endowment mortgage is a mortgage that is arranged on an interest only repayment basis with an endowment policy, which is an investment that provides life assurance cover for the policyholder.
• Endowment Mortgage Complaint
  Endowment Mortgage Complaint is the phrase used which identifies a complaint which is raised against a company. In respect of the advice that was provided by the adviser firm at the point of sale of the endowment policy and arrangement of the mortgage.
• Endowment Mortgage Shortfall
  Endowment Mortgage Shortfall is the term referred to when a calculation is carried out by the endowment provider and identified that the endowment policy is likely to fall short, at maturity, when attempting to repay the original mortgage amount. An endowment policy is an investment and if the policy does not achieve the required level of investment performance it will mature for a sum less than the outstanding mortgage amount.
• Endowment Ombudsman
  Endowment Ombudsman is an official who hears, investigates and tries to resolve endowment complaints.
• Endowment Payout
  Endowment Payout is the sum of money which is given to endowment investors, usually when the policy matures at the end of a fixed term.
• Endowment Performance
  Endowment Performance makes reference to the way in which the investment performs over the period of the endowment policy.
• Endowment Policy Sale
  Endowment Policy Sale is the act of exchanging ownership of an endowment policy, usually before it matures, in return for an agreed financial sum.
• Endowment Purchase
  Endowment Purchase is the act of exchanging an agreed financial sum in return for ownership an endowment policy, usually before it has matured.

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• Final Salary Scheme
  Final Salary Scheme refers to a pension which is offered by an individual’s employer and is based on the length of their employment and salary on retirement.
• Finance Loan
  A Finance Loan is a sum of money which is lent with interest between a finance lender and a borrower.
• Finance Mortgage
  Finance Mortgage is a term which is often refereed to which describes the process of arranging a mortgage.
• First Time Buyer
  First Time Buyer is a term that is used which relates to an individual, who is going to purchase a property for the first time.
• First Time Buyers
  First Time Buyers is a term that is used which relates to a couple, who are going to purchase a property for the first time.
• Fixed Annuity
  Fixed Annuity refers to an insurance policy which the insurance provider makes fixed payments to the policy holder for the length of the term. Such term is usually until the policy holder dies, fixed annuity is typically taken out to give the policy holder an additional income through retirement.
• Fixed Interest Rate
  Fixed Interest Rate makes reference to a rate of interest that remains static throughout the length of an agreed term and does not fluctuate if the market changes.
• Fixed Rate Loan
  A Fixed Rate Loan identifies to the borrower that the interest rate which is applied to the borrowing will stay constant for the life of the loan, along with the fixed rate loan repayments. There are many fixed rate loans available offering different rates of interest, it is advisable to ensure that you find the right fixed rate loan for your circumstances and requirements.
• Fixed Rate Mortgage
  Fixed Rate Mortgage means your monthly payments will not change for the period of the fixed rate, regardless of the standard variable interest rate in the market place. The benefit of a fixed rate mortgage is that you will know exactly what your payments are however if the standard variable rate falls below the level at which you fixed you could end up paying more than the market rate.
• Flexible Loan
  A Flexible Loan provides the borrower with the ability to be flexible with repayment periods and repayment amounts. Such a loan puts the borrower in control allowing overpayments and underpayments to occur without a fine, and the loan to be paid off early without penalty. As this type of loan offer these advantages for the borrower, it is unfortunate that a flexible loan may carry a higher rate of interest.
• Flexible Mortgage
  Flexible Mortgage is a mortgage product which provides facility to make extra payments when you have extra money. You may also be able to reduce monthly repayments or even take repayment holidays, although you will normally have to build up a reserve through making overpayments before this arrangement is allowed. Such mortgages are usually offered on a daily interest basis. Flexible mortgages usually provide a loan drawdown facility that allows you to borrow extra funds at a set predetermined rate.
• Flexible Rate Remortgage
  Flexible Rate Remortgage is also known as variable rate remortgage, carries an interest rate which follows fluctuations in the bank of England base rate. As repayments are not fixed, if the base rate rises, the flexible rate remortgage repayments will too. Equally if the base rate lowers, repayments will also, saving the borrower money.
• Flexible Schemes
  Flexible Schemes are a type of investment opportunity, they give investors access to a wider range of investment opportunities which are in line with FSA guidelines.
• Flotation
  Flotation is a phrase which describes when an organisation sells its stock through the stock market to the general public.
• Football Credit Card
  Football Credit Card is a type of credit card which has affinity to a football ball club; the card will also be designed so as to be branded to incorporate the football team colours and club crest.
• Freehold
  Freehold is the term which when used identifies that when a property is purchased with the land it is situated on the buyer is said to own the freehold title.
• Front End Loading
  Front End Loading is a phrase used to describe the process of charging the investor bulk fees in the first few months of new saving plans, this is common practice among investment and insurance companies.
• FTSE
  FTSE is an abbreviation for ‘Financial Times Stock Exchange’.
• Fund of Funds
  Fund of Funds refers to a mutual fund which invests in a diversified selection of other mutual funds.

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• Gas Bill
  A Gas Bill is a household bill which identifies via an invoice the use and cost issued by the gas supplier sometimes referred to energy supplier. Payments are required to be made against the receipt of the gas bill.
• Gas Cost
  Gas Cost is the term which is used to identify the monetary amount which is placed upon gas used regardless whether it is a household or a business account.
• Gas Electricity
  Gas Electricity is a term which refers to the supply of electricity to a household or business by a gas supplier
• Gazumping
  Gazumping is the phrase which is used when after accepting an offer the owner accepts a higher offer from a second party, therefore ‘gazumping’ the first party
• Getting A Loan
  Getting A Loan which suits your borrowing requirements could never be easier than through a price comparison site such as SquashedBills.com. We would put you in touch with a loan broker and show you the best offers in the market.
• Gold Credit Card
  Gold Credit Card is a card which carries a gold card design, so as to provide the perception of higher regard than that of a standard credit card. Annual fees and gold card terms and offers may apply.
• Government Loan
  A Government Loan is a reference made to a sum of money which is borrowed from the government.
• Government Pensions
  Government Pensions refers to pension incomes which are payable by the governemnt, such as the basic state pension.
• Graduate Mortgage
  A Graduate Mortgage is a mortgage product which is designed on the basis that the lenders are usually prepared to lend larger amounts due to the increased earnings potential of professionally qualified graduates.
• Grey Market
  Grey Market is the term used for an unofficial market and describes the act of trading shares through means other than official stock exchanges.
• Gross Interest
  Gross interest is the sum total of interest earned before income tax deductions.
• Group Lending
  Group Lending is the act of lending funds to a group or multiple numbers of individuals who solely would not be issued with the loan. The reason being due to lack of finances, such a loan means that everyone within the group are jointly liable for each other’s repayments.
• Group Payments
  Group Payments refer to corporation tax liabilities which are paid by one company on behalf of a collection of companies.
• Guarantee Card
  Guarantee Card which when referred to by accounts holders, retail outlets, and financial institutions usually refers to a cheque guarantee card. The card guarantees that the bank, from which the individual or organisation is making a transaction. will authorise payments up to a stated amount.
• Guaranteed Annuity
  Guaranteed Annuity describes an annuity income which is guarnteed for a defined period of time.
• Guaranteed Car Finance
  Guaranteed Car Finance is a borrowing which can be sort from a number of financial institutions. Such a borrowing may include few or no credit checks, but will undoubtedly cost more than normal car finance because of the perceived increased risk.
• Guaranteed Credit Card
  Guaranteed Credit Card is a term which makes reference to the fact of certain acceptability when applying for a certain credit card.
• Guarantor
  A Guarantor is a term given to an individual who pledges to honour and pay specific contracts or debts should another individual fail to do so. A guarantor is usually required before an organisation issues a contract or loan to a borrower it believes to be a risk.

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• Hang Seng Index
  Hang Seng Index is the main Hong Kong stock market index.
• Hedge Funds
  Hedge Funds are investment funds which are open to a limited range of investors; generally they are of interest to wealthy private investors or institutions. Legally they cannot have more than 100 investors at one time, and each fund has its own strategy which determines the type of investments and the methods of investment it undertakes. A minimum investment of around $1m is usually required.
• High Interest Account
  A High Interest Account usually refers to a bank account which pays a high amount of interest to the account holder for funds deposited within it.
• High Interest Bank Account
  A High Interest Bank Account is an account which is used for financial transactions the main point of such an account is that it pays high amounts of interest to the account holder on the funds which have been deposited within it.
• High Interest Current Account
  A High Interest Current Account is an account which can be used for the day to day banking requirements on the proviso that it pays a high amount of interest to the account holder on funds deposited within it.
• High Interest Savings Account
  A High Interest Savings Account is a type of bank account used for the saving of funds which in return would gain a high amount of interest which is paid to the account holder on funds deposited within it.
• High Tech Stock
  High Tech Stock refers to companies which produce items such as computers, robotic equipment and biotechnology. This stock market sector can be very volatile sector, and as such carries risk.
• High Yield Bonds
  High Yield Bonds are a type of bond which is rated below investment grade they have a higher than normal risk of default. Known also as ‘Junk Bonds’ they usually offer a high return on investment but come with a moderate risk of not being paid due to the issuer having a low credit rating.
• High Yield Investment
  High Yield Investment refers to an investment program which has the ability and potential to offer a high return on investment. As such the best high yield investments could bring great wealth but as with any investment there is always a risk.
• Holiday Loan
  A Holiday Loan is a monetary amount which is borrowed for the sole purpose of financing a holiday or trip. Such a loan is usually of a low value and over a short repayment period.
• Home Buyers Report
  Home Buyers Report is a reference made to a report which is produced as a result of an action taken during the home buying process.
• Home Finance
  Home Finance is an alternative term which is a reference to loans and mortgages for the home.
• Home Remortgage
  Home Remortgage is a mortgage loan which replaces an existing mortgage loan borrowed to finance the purchase of a home.
• Homeowner Loan
  A Homeowner Loan is the term given to a loan which is secured against the property of the borrower. Because of the security effectively reducing the risks, interest rates are often lower than non homeowner loans.
• Homeowner Refinance
  Homeowner Refinance is available to those individuals or couples who own their homes, noting that such loans may be secured on the property. If this formed part of the agreement then the loan would then ideally be at a more favourable rate than unsecured or tenant loans.
• Household Finance
  Household Finance is a phrase given a refinance product which is available to homeowners. A household finance loan carries a more favourable rate of interest as it is usually secured on the property, thus reducing the risk to the lender.

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• ICVC Investments
  ICVC is an abbreviation for ‘Investment Company with Variable Capital’ and is an open ended collective investment which is formed as a corporation under Open Ended Companies Regulations.
• Incentive Rate
  Incentive Rate usually refers to a discount which is awarded to an industrial or commercial customer in order to incentivize them to stay open, local or to encourage growth in the local area.
• Income Fund
  Income Fund is a phrase which refers to a type of mutual fund which seeks current income benefits rather than capital growth.
• Income Multipliers
  Income Multipliers refers to the method a mortgage lender will use to calculate how much an individual can borrow based on their income.
• Incumbent Operator
  Incumbent Operator when referred to within the telecommunication industry describes an operator who has been approved and subsequently becomes obligated. To provide businesses and households with a telecommunication service upon being requested to do so.
• Index Tracker Fund
  Gilts are bonds which are guaranteed by the British government and are issued at a fixed rate.
• Index Tracker Funds
  Index Tracker Funds is a term given to a tracker funds whose function is to mimic the performance of a nominated stock market index. These types of funds operate by holding the same weighting or proportion of shares or purchasing derivatives like the index it is imitating the FTSE 100 index for.
• Individual Savings Account
  An Individual Savings Account is most commonly known as ISAs, such accounts are government approved investments that allow the holder to put away up to £7,000 a year in tax-free investments.
• Initial Interest
  Initial Interest often refers to a mortgage payment that covers interest accrued by the borrower in the time between completion and the first mortgage payment. These charges are extra and are not usually pointed out be the lender until after completion.
• Initial Public Offering
  Initial Public Offering is a reference made to the process of sale or distribution of a privately owned company to the public, for the first time, via listing its shares on the stock exchange.
• Instant Access
  Instant Access is a term widely used which refers to a bank or building society interest bearing account which offers the user or account holder the ability to make transactions without prior notice. The down side of such accounts is that the interest offered is usually lower than those requiring notice.
• Instant Approval Credit Card
  Instant Approval Credit Card is a phrase which is used, regarding a credit card application for which the individual will get instantly approved for.
• Instant Credit Card
  Instant Credit Card is a term used for a credit card which the applicant would receive instantly once they apply.
• Instant Loan
  An Instant Loan will provide the prospective borrower a quick decision on the value of the loan that can be borrowed. The rate of interest applied and the terms and conditions of repayments would also be known instantly. The borrowed funds if accepted can even be credited to the borrower’s account on the same day.
• Interest
  Interest is the charge which you pay if you borrow money (such as a loan or mortgage), and the income you receive (a return on an investment) if you lend it or invest it in an income-producing bank account (such as a savings account) or in a security like a bond or a gilt.
• Interest Free Credit Card
  Interest Free Credit Card is a credit card which does not charge interest on the amount which is borrowed, via use of the card.
• Interest Free Credit Cards
  Interest Free Credit Cards are types of credit cards which offer or promote an selected interest free period on the credit that is either borrowed from or transferred onto the card. Such offerings regarding interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.
• Interest Only Mortgage
  Interest Only Mortgage is a phrase use to identify a mortgage borrowing where the borrower only pays the interest on the balance. The capital amount remains outstanding for the duration of the mortgage. The borrower will need to make sure that they have funds to repay the mortgage balance at the end of the term.
• Interest Only Mortgage Calculator
  Interest Only Mortgage Calculator refers to a method of calculation to determine how much an individual can borrow, and what their monthly repayments would be on a mortgage borrowing.
• Interest Only Mortgage Rate
  Interest Only Mortgage Rate is the terminology which is used for a mortgage which dictates the value of the monthly repayments for an interest only mortgage.

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• Junk Bonds
  Junk Bonds is a reference which is made in relation to high-risk bonds, such bonds usually offer a high return. As they are high risk they have only a moderate chance of not being paid due to the low credit scoring of the issuer.

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• Kilowatt Hour
  A Kilowatt Hour is a measurement of energy using 1000 watts per hour.
• Knock Out Option
  Knock Out Option is a phrase used in relation to a standard option which becomes worthless or is ‘killed off’ when its underlying market or instrument reaches a pre-determined level.

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• Land Investment
  Land Investment describes an action - of land being purchased for the purpose of a sale following its increase in value over time, or after development.
• Land Registry Fee
  Land Registry Fee refers to a cost which is payable to the Land Registry in order to record ownership of a property purchased.
• Leasehold
  Leasehold makes reference to the right provided to a property holder to use or have exclusive possession (not ownership) of property by owning a lease. Such a right is issued by the Freeholder for a set period.
• Legal Completion
  Legal Completion identifies the date in the home buying process when the seller must leave the property due to the sale completing. It is also when the balance of the purchase price is given to the seller’s solicitor and ownership of the property is legally transferred to the buyer.
• Lending
  Lending is a term which refers to the act of letting another party borrow something for a limited period of time.
• Lending Banks
  Lending Banks are financial institutions which lend money via a variety of lending vehicles such as loans, credit cards and mortgages to borrowers with specific length of terms and rates of interest.
• Leveraged Buyout
  A Leveraged Buyout describes the acquisition of the controlling interest in an organisation or company with borrowed finance. Such a borrowing is secured by the assets of the company which is being bought out.
• LIBOR Linked Rate
  A LIBOR Linked Rate would benefit businesses with larger loan requirements, by linking the borrowing to the London Inter Bank Offered Rate (LIBOR) rather than to the Base Rate. The borrower can experience increased flexibility with the availability of many diverse interest hedging instruments unavailable with Base Rate borrowing.
• Lifetime Annuity
  Lifetime Annuity describes an annuity income that is payable for the lifetime of the applicant.
• LLU
  LLU is an abbreviation for ‘Local Loop Unbundling’ which identifies the regulatory process of providing multiple telecommunications operators with the ability to use telecommunication connections. Such connections are the physical copper cables which run from the local telephone exchange direct to the customer's premises.
• Loan Agreement
  A Loan Agreement is a reference made to an agreement which is made between the lender and the borrower. Such an agreement outlines the terms and conditions on the sum of money borrowed, i.e. interest rate, length of term and total amount repayable.
• Loan Annual Percentage Rate
  Loan Annual Percentage Rate is sometimes also known by its abbreviated terminology which is ‘Loan APR’ details how much a loan will cost in interest per year. The APR takes into account all charges, you will regularly see such annual charges on a credit card; APR is the best measure of the total cost of a loan.
• Loan APR
  The Loan APR which is sometimes also known by its full terminology which is ‘The Loan Annual Percentage Rate’ details how much a loan will cost in interest per year. The APR takes into account all charges, you will regsulary see such annual charges on a credit card, APR is the best measure of the total cost of a loan.
• Loan Calculator
  A Loan Calculator will help the prospective borrower work out how much they can afford to borrow based on their individual circumstances and requirements. The loan calculator will also calculate how much the loan will cost the user in repayments.
• Loan Consolidation
  A Loan Consolidation makes reference to a single loan which is taken out to cover all outstanding debt(s) which you may have borrowed.
• Loan Interest APR
  Loan Interest APR identifies the interest which is payable on a loan over a 12 month period. The lower the APR percentage, the cheaper the loan will be to repay.
• Loan Interest Rate
  The Loan Interest Rate determines how much, in addition to the actual sum borrowed, the borrower will have to repay to the lender. The lower the percentage of the loan interest rate, the cheaper it will be to borrow funds.
• Loan Interest Rates
  The Loan Interest Rates determines how much, in addition to the actual sum borrowed, the borrower will have to repay to the lender. The lower the loan interest rates, the cheaper it will be to borrow funds.
• Loan Quote
  A Loan Quote is informative detail which will provide information as to the value and repayment terms offered to a borrower following their application for a loan.

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• Marine Mortgage
  A Marine Mortgage is the term given to a specialist mortgage that works in the same way as a standard mortgage but is designed for the purchase of boats.
• Market Value Weighted Index
  Market Value Weighted Index refers to a stock index with a market value that is affected proportionally by each stock within it.
• Maturity Date
  The Maturity Date is the term which recognises the date at which special instructions such as a fixed period of a certain interest rate will end. Upon reaching the Maturity Date the special instructions end thereafter and the account would revert to a more ordinary setup.
• MBO
  MBO is an abbreviation for ‘Management Buy Out’, which occurs when the existing management buys the company they are running.
• Mid Price
  Mid Price is a phrase used when dealing in shares, ‘The mid price’ is the point halfway between the buying price and selling price. It is used to simplify share price quotations to just one price, instead of two.
• Minimum Balance
  The Minimum Balance is the term which is used to identify the smallest initial sum that is permitted to be in an account for a given interest rate.
• Miras
  Miras is an abbreviated term for ‘Mortgage Interest Tax Relief at Source’, this terms was used up until April 2000 to allow tax relief on payments.
• Money Lending
  Money Lending is the act of lending monetary funds to individuals or businesses in order to gain returns in the form of interest on the capital credited.
• Mortgage
  A Mortgage is the most common term given to a long term loan which is provided to a borrower for the purchase of property. The Mortgage is secured against the property and repayments are made by the borrower, usually in set monthly instalments, where repayments are expected to be made until the mortgage balance has been cleared. Should the borrower fail to make repayments, the mortgage lender can repossess the property from the borrower to recover the debt. There are many different mortgage types, of varying costs, created to suit all requirements and circumstances.
• Mortgage and Remortgage
  Mortgage and Remortgage are phrases which are used for long-term loans which are issued for the purpose of buying property. A remortgage often replaces a mortgage when the borrower is looking to switch deals, usually for reasons of lower monthly repayments or to free up finance gained from the increasing value of the property.
• Mortgage Broker
  Mortgage Broker is the terminology used which refers to an individual who has undertook and subsequently passed the correct financial training. After which they are deemed as are qualified to provide advice and arrange mortgages on behalf of the customer.
• Mortgage Calculator
  A Mortgage Calculator helps an individual find the mortgage value they can borrow based on their circumstances and requirements. A mortgage calculator also assist the individual in working out how much it will cost them per month in mortgage payments, as well as confirming the total loan period of the mortgage.
• Mortgage Deal
  Mortgage Deal is referred to as an agreement between the lender and borrower of a long term loan secured against a property which the borrower seeking to buy. There are numerous mortgage deals from many different lenders to suit all requirements and circumstance. Mortgage deals for the same mortgage types can vary greatly from lender to lender.
• Mortgage Deals
  Mortgage Deals are offerings of funding by a lender to borrowers for the purpose of buying property. Mortgage deals include take into account many elements including interest rate and repayment terms, and such deals can and do vary greatly from lender to lender.
• Mortgage Fees
  Mortgage Fees is a term used to highlight additional costings which are attributed to the process of arranging a mortgage. Such fees are usually added to the term of the loan, but can in some cases be paid as off one payment to avoid long term interest being added to the mortgage fee.
• Mortgage Foreclosure
  Mortgage Foreclosure is a phrase used to describe when a lender repossess a property due to non payment of the mortgage payments as well as demanding full repayment of the loan. This process will usually result in the sale of the property and the owner losing their home.
• Mortgage Indemnity Guarantee
  Mortgage Indemnity Guarantee is insurance which your lender may take out for its own protection. In case at some future stage, you as a borrower miss monthly mortgage payments and as a result the lender has to repossess your property and sell it. If the property is sold for less than the amount of your outstanding mortgage, your lender can claim on the mortgage indemnity guarantee to recover some or all of the outstanding loss. The basic security for the mortgage is your property, the mortgage indemnity, therefore, acts as a form of additional security for your lender.
• Mortgage Interest Rate
  Mortgage Interest Rate if a reference which indicates as to how much a mortgage borrower must repay the lender in addition to the mortgage loan. A mortgage interest rate is the standard rate of interest offered by a lender; however a lenders mortgage rate may change with the Bank of England Base Rate fluctuations.
• Mortgage Interest Rates
  Mortgage Interest Rates is the term used, for the informing of the interest rate which applies to any particular mortgage product. The rate which can be variable or fixed is applied to the mortgage borrowing which as a results start to accrue interest. Different rates are applied to different types of mortgage.
• Mortgage Lender
  Mortgage Lender is a financial institution who provides the funding for the purchase of a property to a borrower.

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• NASDAQ
  NASDAQ is the abbreviation for ‘National Association of Securities Dealers Automated Quotations’. NASDAQ is the computer generated stock exchange which is seen and used on Wall Street.
• Natural Gas
  Natural Gas is a resource which is found in porous rocks and is used as a fuel in homes directly or in the production of electricity.
• Negative Equity
  Negative Equity is the terminology used once the mortgage on the property is less that the value of the property.
• New Car Finance
  New Car Finance is the term used for loans which are specifically loaned for the intention of buying a new car. New car finance is offered by a large amount of lenders, the rate of which can vary from lender to lender; the loan may also be secured on the vehicle, thereby reducing the rate.
• New Issue
  New Issue is an action which happens upon a company deciding it wishes to make an Initial Public Offering otherwise known as ‘IPO’ and issues shares for purchase for the first time.
• NIKKEI
  NIKKEI is an abbreviation for ‘Nihon Keizai Shimbun’ which is an index of stocks that are traded on the Tokyo Stock Market.
• No Fee Remortgage
  No Fee Remortgage is a term used once you choose to switch your mortgage from your existing lender an alternative mortgage provider. Subsequently the new mortgage lender allows this to happen with no upfront costs.
• Nominee
  Nominee is the terminology used within the investment sector for a ‘third party’ in which shares or securities can be held in trust on behalf of the true owner. The name that appears on the register for these shares is called the nominee.
• Non Status Mortgage
  A Non Status Mortgage enables the borrower to obtain a mortgage without the need for proof of income or a mortgage history. Also known as self cert mortgage, they are popular with the self-employed, people with irregular incomes or with earning from more than one source. Non status mortgage borrowers simply state their incomes and, if approved, the lender issues the mortgage.

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• OEIC
  OEIC is an abbreviation for ‘Open Ended Investment Companies’ these are collective investment schemes which are stock market quoted. They could have an umbrella fund structure which allows for many sub funds with different investment objectives and opportunities. OEIC’s enable investors to move investments from one sub fund to another as their priorities and circumstances change overtime, without any charge for doing so as the funds still remain within the same investment scheme.
• OFEX
  OFEX is an abbreviation for ‘Off Exchange’ and is a market of stocks dealing in more risk and less well-known shares. OFEX is the third stock market in the UK.
• Offset Mortgage
  An Offset Mortgage is a fully flexible mortgage which takes into account a borrower’s funds held within savings and current accounts, so as to calculate the mortgage interest repayments. These funds are set against the offset mortgage balance and help reduce repayments as interest is only charged on the outstanding amount.
• Offshore Account
  An Offshore Account, can be referred to often as a Swiss account, these types of accounts are popular with investors from other nations, with large sums that may otherwise be swallowed by taxation laws within their native countries. Offshore Accounts are generally known for stability and privacy enabling the protection of account holder assets and information.
• Offshore Bank Account
  An Offshore Bank Account is a current account which is held overseas, such accounts can include but not limited to euro or US dollar account
• Offshore Banking
  Offshore Banking is a recognised form of banking which is well known for its protection and privacy surrounding the assets and investments of its account holders information and assets. Sometimes referred to as Swiss Banking, offshore banking is popular with investors from other nations who have large funds which may otherwise be swallowed by the taxation laws in their native countries.
• Offshore Credit Card
  Offshore Credit Card refers to a credit card account which an individual would hold outside of the UK, such as a dollar or euro account.
• Offshore Investments
  Offshore Investments allows investors from other nations to maximise profits and legally protect their financial assets from taxation in their native country and due to different tax and privacy laws.
• Offshore Savings Account
  An Offshore Savings Account is a term given to a savings account which is held offshore, such account include but limited to euro and US dollar savings accounts.
• Old Age Pension
  Old Age Pension is an alternative term given to the government basic state pension that is payable to all indivduals who reach retirement age.
• On-Maturity
  On-Maturity is the term which is used to identify the point - at which interest is to be paid once the pre agreed preset maturity duration has ended.
• Online Bank Account
  An Online Bank Account allows the holder of such accounts the ability to manage their account(s) 24 hours a day 7 days a week. An Online Bank Account facility is now provided by every major bank to their customers. Internet Banking is an alternative term which is also used for this facility. Customers are able to open current and savings online bank accounts, withdraw money, apply for credit cards, or even work with a personal banker via an Online Bank Account. There are many financial institutions that operate solely via the supply of Online Bank Accounts to their customers.
• Online Banking
  Online Banking is a generic term which is used which allows the holders of web accessible accounts the ability to manage their account(s) 24 hours a day 7 days a week. Online Banking is a facility which is now provided by every major bank to their customers. Internet Banking is an alternative term which is also used for this facility. Customers are able to open current and savings online bank accounts, withdraw money, apply for credit cards, or even work with a personal banker via Online Banking. There are many financial institutions that operate solely as an internet banking facility on the Web.
• Online Business Banking
  Online Business Banking is a generic term which is used for business accounts which are accessible through the Internet - such accounts allows the business holder the ability to manage their account(s) 24 hours a day 7 days a week. Online Business Banking is a facility which is now provided by every major bank to their business customers, who are able to open business current and savings online bank accounts, withdraw money, apply for credit cards, and pay suppliers via a BACS facility. There are many financial institutions that operate solely as an Internet banking facility on the Web.
• Online Car Finance
  Online Car Finance is sourced by visiting such sites as Squashed Bills over the internet - being able the find a car loan or car finance online is usually a lengthy process. Many individuals are now viewing the ability to apply for finance online as being easier and quicker than speaking to a bank. Often online car finance lenders can provide better rates than those of the high street banks.
• Online Conveyance
  Online Conveyance is the act of transferring the title of land or property to one person or another using an online service.
• Online Credit Card
  Online Credit Card refers to the action of a credit card application as well as subsequent card management online. This product is becoming increasingly desirable amongst the growing internet savvy consumers.
• Online Current Account
  Online Current Accounts are just one of number of specific accounts which can be managed online 24 hours a day 7 days a week. Online Current Accounts is a facility which is now provided by every major bank to their current account customers, the facility allows the holder to open current online bank accounts, withdraw money, or even work with a personal banker. There are many financial institutions that operate solely as an internet banking facility on the Web.

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• Part Endowment
  Part Endowment refers to a mortgage borrowing where a percentage of the mortgage is covered by an endowment policy.
• PC Banking
  PC Banking is a phrase which is used for online banking, the term PC relates to Personal Computer. Online Banking allows the holders of such accounts the ability to manage their account(s) 24 hours a day 7 days a week. An Online Bank Account facility is now provided by every major bank to their customers. Internet Banking is an alternative term which is also used for this facility. Customers are able to open current and savings online bank accounts, withdraw money, apply for credit cards, or even work with a personal banker via an Online Bank Account. There are many financial institutions that operate solely via the supply of Online Bank Accounts to their customers.
• Penalty Interest
  Penalty Interest is applied as a penalty payment on some accounts where there have been certain conditions put in to place. Breaching those conditions may result in loss of interest or charges levied.
• Penny Shares
  Penny Shares is the terminology used to describe shares which cost less than £1.
• Pension Advice
  Pension Advice provides guidance on the best pensions which are available at any given time. How much an individual would need to invest in order to achieve the final value which they desired as income at retirement would denote the regular payments required.
• Pension Calculator
  Pension Calculator is a tool/method used to calculate the final value of a pension, taking into account all contributing factors.
• Pension Contributions
  Pension Contributions refers to a regular monetary amount which is paid by an individual in to a retirement investment plan. Such payments within the UK are determined by age and net relevant earnings.
• Pension Drawdown
  Pension Drawdown is an action which allows a pension contributor to immediately take out a tax-free lump sum of up to 25% of the value of their overall pension fund.
• Pension Forecast
  Pension Forecast is a term used in order to predict the value of a pension, or retirement income at the individuals chosen retirement age.
• Pension Fund
  Pension Fund refers to a pool of assets which were bought with contributions made to a pension plan by individuals. Such individuals are investing finance with the intention of creating a retirement income.
• Pension Mortgage
  Pension Mortgage is utilises an individual’s pension policy to repay the outstanding balance of the mortgage. Under pension plan rules you can access 25% of your final pension fund as tax free cash and you can use this amount to settle the outstanding mortgage balance.
• Pension Rates
  Pension Rates highlight the rates which are utilised by annuity companies in order to calculate the level of annuity income payable to an annuitant.
• Pension Release
  Pension Release describes the action which allows an individual to withdraw from a pension fund before they have reached full retirement.
• Pension Scheme
  Pension Scheme is a term used in relation to a document and/or detail which defines the conditions and procedures of a pension plan or fund.
• Pension Tax
  Pension Tax refers to the rate of tax payable on a pension annuity income. Such tax would usually be deducted by the annuity provider prior to payment of the net annuity amount.
• Pension Transfer
  Pension Transfer describes an action of transferring an individual’s pension fund from one scheme to another.
• Pension Value
  Pension Value highlights the amount of additional value which has been achieved by the nature of a pension scheme against other investment products.
• PEP Mortgage
  PEP Mortgage is a shorten term for ‘Personal Equity Plan Mortgage’ this is a method of paying an interest only mortgage. The way in which it allows you to do this is by using a PEP to repay the balance of the mortgage at the end of the mortgage term.
• PEPs
  PEPs is an abbreviation for ‘Personal Equity Plans’ these types of plans were replaced in 1999 with ISAs.
• Personal Banking
  Personal Banking is a term which collectively describes the day to day banking products offered by a bank or building society and required by an individual, such as current accounts, saving accounts, loans, mortgages and credit cards.

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• Qualified Surveyor
  Qualified Surveyor is a person who has a recognised formal qualification to perform a certain task related to a property instruction. The services of such a person would be used prior and during the property purchase process. The report they produce helps to confirm or highlight any perceived issues which relate to a property and offer a guide to the mortgage borrower as to the suitable of the property for the amount being borrowed.
• Quick Decision Loan
  A Quick Decision Loan refers to the length of time it takes for the lender to approve or disapprove an application for a loan by a prospective borrower.
• Quick Loan
  Quick Loan is a reference made to the speed it takes for the loan offer to be made to the borrower by the lender. Or the length of time it takes for the funds to be deposited into the borrower’s bank account.
• Quick Ratio
  Quick Ratio is an action in the form of a calculation which is used to measure a company’s solvency, as well as a possible indication of their creditworthiness. The acid test ratio is worked out by the formula of: - liquid assets/current liabilities = company solvency. A ratio which is of less than one is a warning.
• Quick Remortgage
  Quick Remortgage refers to the speed for which it takes for a remortgage offer to be made following an application to the lender by the borrower. Or to put it another way a quick remortgage could also be the length of time it takes for the remortgage deal to be completed.

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• Rate Tarts
  Rate Tarts is a phrase which is used in relation to people who regularly move credit card balances from one to another. So as to benefit from a better often reduced or zero percentage interest rate, thus making the cost of the outstanding balance cheaper than it otherwise would.
• Redemption Penalty
  Redemption Penalty makes reference to a extra monetary cost incurred due to the full repayment of a mortgage early. This is usually applicable in cases where discounted or fixed interest rates are in place.
• Refinance Remortgage
  Refinance Remortgage is a term which can be used to describe the act of switching your mortgage from one company to another without moving or selling your home.
• Regional Lenders
  Regional Lenders is a reference made to the type of lender who will advance credit only to borrowers within a certain area. As an example the term regional lender could be applied to organisations that won’t lend to borrowers in Scotland or Northern Ireland.
• Remortgage
  Remortgage is the terminology used for a mortgage which replaces an existing mortgage borrowed for the purpose of purchasing a property. Remortgage deals are often obtained to reduce monthly repayments by finding a mortgage with a lower interest rate, or to free up finance from the increased value of the property.
• Remortgage House
  Remortgage House is an action taken by homeowners when they look towards remortgaging their house in order save money on monthly mortgage repayments. Via having a replacement mortgage which carries a lower interest rate, or perhaps may wish to free up finance which has built up in the increased value their property.
• Remortgage Interest Rates
  Remortgage Interest Rates identifies the interest rates options which are offered by lenders from which you can select when choosing a remortgage.
• Remortgage Lenders
  Remortgage Lenders is the term given to mortgage lenders who specifically lend in the remortgage market.
• Remortgage Loan
  A Remortgage Loan is a lending which is advanced to a borrower by a mortgage lender which is to be used for the sole intention of replacing the existing mortgage on property which they currently own.
• Remortgage Loans
  Remortgage Loans is the term used for the advancement of finance which is lent to a borrower by a mortgage lender for the sole intention of replacing the existing mortgage on property which they currently own.
• Remortgage Offer
  Remortgage Offer is a phrase used for the action of consideration in offering mortgage funds to the borrower by the lender. The remortgage offer would contain details of the finance that will be lent, highlight the required repayment terms. All be it on proviso that the property value, income, and all other factors surrounding the remortgage application have been considered.
• Remortgage Rates
  Remortgage Rates highlights and informs the interest rate options available from lenders who are providing mortgages for the remortgage market. Some rates offered may be bespoke or promotional and as such may contain clauses, which would need to be understood prior to acceptance.
• Remortgage Repayment Calculator
  A Remortgage Repayment Calculator is th eterm given to a tool or mathematical workings which enable the individual to calculate how much their remortgage repayments will amount to each month over the term of the loan. It enables the individual to work out whether or not a remortgage is obtainable and suitable for their circumstances and requirements.
• Remortgage Specialist
  Remortgage Specialist is a reference given to a Mortgage Broker or Independent Financial Advisor who is otherwise known as an IFA. Who’s profession and experience is in advising and finding the best remortgage deals for an individual’s circumstances and remortgage requirements.
• Remortgages for Debt Consolidation
  Remortgages for Debt Consolidation provides a way where a homeowner can remortgages their property in order to free up equity within the property, for the purpose of paying off other debts. Such debts could be existing loans, HP agreements or credit cards.
• Repayment Mortgage
  Repayment Mortgage refers to the money an individual pays each month which covers both the interest and capital of the loan. This means that at the end of the term as long as they have made all the repayments required by their lender the loan is complete.
• Residential Investments
  Residential Investments is a terms which is more commonly referred to as buy to let mortgages. These involve buying a property with the intention of letting that property out, and receiving rent payments in order to meet the monthly repayments. The return on the investment comes some time later when the property is sold. The capital on the loan is paid for by income gained from letting the property out.
• Residual Income
  Residual Income is the amount of income that an person has after all personal debts, including the mortgage, have been paid. The calculation is usually made on a monthly basis, after all the monthly bills and debts are paid. Also, when a mortgage has been paid off in its entirety, the income that individual had been putting toward the mortgage becomes residual income.
• Retirement Annuity
  Retirement Annuity highlights the annuity which is payable at retirement age from a fund accumulated from a pension fund.
• Rewards Credit Cards
  Rewards Credit Cards is a terminology which is used to in relation to those types of credit cards which offer rewards or incentives for use. These rewards can vary greatly from air miles to contributions to charities.

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• Saving Account
  People who have a Savings Account are deposit credit for the purpose of accumulating funds over a period of time, a savings account may be owned by one or more individuals. Another form of this type of account is a High Interest Savings Account but the interest rate for funds deposited and credited to the account is higher than average, enabling funds to grow at a faster rate.
• Savings Account Guide
  A Savings Account Guide acts as a reference guide which enables potential account holder the opportunity to compare the benefits of various savings accounts.
• Savings and Investment
  Savings and Investment can look to be achieved via an ISA, a Cash ISA is viewed as a common way of investing or saving funds. Putting it in simple terms it is basically a savings account, usually with a very good interest rate, which allows the account holder to save up to £3,600 per tax year without having to pay tax on interest earned over that period. Such account holders must be aged 16 and over. There is also a Share ISA which is available in which the account holder can keep stock-market investments such as shares.
• Scrip Dividend
  Scrip Dividend allows the shareholder to receive dividend payments in the form of extra shares, instead of in cash.
• Secured Loan
  Secured Loan makes reference to the type of loan which is issued to a borrower with security attached should they falter on repayments. Secured Loans are usually secured against the borrower’s property or other agreed asset. Because of this security, these borrowers pose less of a risk to the lender than unsecured borrowers interest rates may be lower and value of loan and repayment period may be increased.
• Secured Loans
  Secured Loans are offered by a large amount of lenders offering varying rates of interest and benefits. A secured loan is when finance is borrowed by securing it against an asset like a home or property. Should the borrower fail to make the agreed repayments for the Secured Loan, the lender has the right to recover the debt from the sale of the home or property.
• Securities And Exchange Commission
  Securities and Exchange Commission refers to an organisation which protects investors from fraudulent investment schemes.
• Self Cert Mortgage
  Self Cert Mortgage is a reference made to a mortgage product which is available to people with irregular incomes or earnings from various sources. As they do not have payslips or P60s, these borrowers simply need to declare their incomes to the lenders and the loans are issued accordingly.
• Self Cert Remortgage
  Self Cert Remortgage is a reference made to a mortgage product which is issued to replace an existing mortgage for people who have irregular earnings or incomes from many sources. Remortgages are generally sought by borrowers to get a better deal on repayments, or to free up equity in the property. For this type of product lending the borrower would have no payslips or P60 to prove their income due to their employment status. To obtain a Self Cert Remortgage the borrower must declare their income, and the lender provides the mortgage accordingly.
• Self Certification Mortgages
  Self Certification Mortgages is a phrase used for a mortgage product which is targeted to borrowers who have irregular earnings or generate income from various sources. Unlike regular applicants, these borrowers do not have access to payslips, or p60's to prove their incomes so are required by the lender to declare it.
• Self Certified Mortgages
  Self Certified Mortgages are mortgages for borrowers who have irregular earnings or whose incomes are generated via a number of different areas. As they do not have regular salaries, payslips or P60s to prove their income, the lender asks that the borrowers declare what they earn, and they provide the loan accordingly.
• Self Employed Mortgage
  Self Employed Mortgage is a terminology used within the finance sector for a mortgage product which is available to individuals who work for themselves and do not receive regular salaries. As these type of borrowers are self employed and do not have payslips or a P60 to verify their income, the borrower declares what they earn to the lender and the lender provides the loan accordingly without seeing proof of income.
• Self Invested Personal Pension
  Self Invested Personal Pension which is sometimes referred to its abbreviated term of ‘SIPP’. Refers to a personal pension scheme which individuals have control over as to which stocks and shares that their funds are invested into. Such a scheme carries the same limits and restrictions as regular personal pensions. Traditionally due to the relatively high flat-fee charging structures, they have often only been suitable only for individuals with fairly large pension funds.
• Self Invested Personal Pensions
  Self Invested Personal Pensions provides an individual with control over their own pension plan, in that allows them to control the investment decisions. Rather than leaving all the investment decisions to that of a Pension Company.
• Self-Certification
  Self-Certification makes reference to the fact that many lenders will allow individuals to certify their own income without any of the normal proofs of income. This is particularly useful for the self-employed or anyone who has difficulty proving their income.
• SERP’s
  SERP's is a plural abbreviated term for ‘State Earnings Related Pension Scheme’ which allows individuals to top up their state pension. Such top ups are made with contributions from their salary - this scheme was replaced in April 2002 by the State Second Pension Scheme.
• Shared Ownership Mortgage
  Shared Ownership Mortgage describes when is a mortgage borrowing which is used by individuals to fund a part buy - part rent scheme offered on a property, mainly by a housing association. This mortgage product helps people get into the housing market should the usual route prove too difficult to follow. A shared ownership mortgage allows the borrower to purchase a percentage stake in a property which can vary depending on the housing association. The remaining percentage is paid by a rent payment.
• Short Term Annuity
  Short Term Annuity is a term which describes an annuity that provides an income over a short term period, funded usually by non-pension funds.
• SIPP
  SIPP is the abbreviated term for ‘Self Invested Personal Pension’ and refers to a personal pension scheme which individuals have control over as to which stocks and shares that their funds are invested into. SIPP’s carry the same limits and restrictions as regular personal pensions. Traditionally due to the relatively high flat-fee charging structures, they have often only been suitable only for individuals with fairly large pension funds.
• SIPP’s
  SIPP’s is an abbreviated terms for ‘Self Invested Personal Pensions’ which allows the holder to retain full control of their pension fund investment decisions.

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• Taper Relief
  Taper Relief is a term referred to for a tax scheme that encourages the longer term holding of shares by discounting capital gains tax. The applied discount is 5% after 3 years, rising to 40% after 10 years.
• Tax Free
  Tax Free is a term which is used on certain savings accounts which dependant on certain criteria may have exemption from tax.
• Tax Free Investment
  Tax Free Investment is the terminology used which shields the investor from paying tax on any profits made from the investment.
• Techmark 100
  Techmark 100 refers to a technology listing within the FTSE index, and lists the top 100 companies devoted to technology innovation.
• Tenant Loan
  Tenant Loan makes reference to a financial loan which awarded over an agreed period of time, to a borrower who does not have a property to secure against it. Tenant loans often carry higher interest rates because the borrower may be seen as a higher risk to the lender.
• TESSA
  TESSA which is an abbreviation for ‘Tax Exempt Special Savings Account’ was the forerunner to the modern ISA. This allows tax free savings on a capital sum if that sum was not withdrawn within 5 years of the deposit date.
• Thin Market
  Thin Market describes a stock market situation, in which shares are difficult to buy or sell; this term means the exact opposite to a liquid market.
• Tracker Mortgage
  Tracker Mortgage makes reference to a mortgaged loan which is offered by lenders to individuals for the purpose of buying property. The interest rate and the subsequent payments of the loan will vary over the repayment period due to it tracking, and following the changes in the Bank of England’s Base Rate.
• Tracker Remortgage
  Tracker Remortgage is the terminology used for a loan which is a replacement borrowing on a property. This type of mortgage carries a variable interest rate and variable repayments due to its mechanism of tracking the movements made by the Bank of England’s Base Rate. Such a mortgage type is often sought by a borrower, to replace an existing mortgage to help reduce monthly repayments, or when a low interest period runs out on an existing mortgage, or to free up equity in the property as it value rises over time.
• Transfer
  Transfer is a term which used to request movement or change of account. Also within the finance sector it is a shorten term of Transfer Funds which depicts the movement money from one account to another or within or between institutions.
• Triple Witching Hour
  Triple Witching Hour is a terminology which is given to an occurrence which happens four times a year. This is when stock options, futures on stock options and options on those futures all expire at the same time.
• Triple ‘A’
  Triple ‘A’ is also referred to as ‘AAA’ refers to a rating which is given to a bond by the investment bond agencies. Triple ‘A’ is the highest rating available which can be award; it means that the bond is very low risk and a very safe investment. It could also be viewed that the investor stands a better than normal chance of not losing any money, but at the same time they might not make that much either.
• Typical APR
  Typical APR provides a guidance figure informing potential borrowers of what the typical annual percentage rate is from a lender. The typical APR is the interest rate that is given to most borrowers.

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• Underperform
  Underperform when used in the investment sector describes when an investment fails to do as well as it should. The investment or shares is said to be underperforming.
• Underweight
  Underweight is reference made when an investment portfolio has very light investment in a particular sector when compared to similar portfolios. That portfolio is then said to be underweight in that sector.
• Unit Trust
  Unit Trust describes a shared fund of money which is used to invest in a variety of shares, through utilising money into an investment trust. This way the risk of investment is lessened as it is shared between many other people. On top of this, investors using an investment trust tend to have more diversified investment portfolios.
• Unsecured
  Unsecured is referred to as the type of loan which is not secured against any security of collateral, such as a property. Unsecured loans are more expensive, as the perceived risk in lending is greater.
• Uptick
  Uptick is when one share transaction occurs at a share price that is higher than the preceding transaction for the same share.
• Used Car Finance
  Used Car Finance is available from a large amount of lenders; the purpose of such a loan is for the sole purpose of buying a pre-owned vehicle. The loan may be secured on the vehicle.
• Used Car Loan
  A Used Car Loan provides borrower after a successful application the ability to receive credit from a lender for the purpose of purchasing a used car. The amount of credit available to a borrower, along with the interest rate and repayment period will vary depending on the borrower’s individual circumstances and requirements. As do the loaning criteria and rates from lender to lender.
• Utility Services
  Utility Services are consumer services which are used by households and businesses, such services include gas, electricity, internet provider, telephone, water.
• Utility Suppliers
  Utility Suppliers are companies which provide a utility service to households and businesses. It is possible that by regularly comparing prices of the many utility suppliers that savings can be made by switching utility providers.
• Utility Warehouse Distributor
  A Utility Warehouse Distributor is a person who is a representative of a specifically named utility supplier by taking up on their Business Opportunity offer. Such people look to earn up front commissions as well as residual income by signing up households and businesses to the utility warehouse discount club.

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• Valuation
  Valuation is best described when buying a property - a mortgage lender will require that a qualified surveyor does a valuation of the property before lending. The valuation gives the correct monetary value to the property.
• Van Finance
  Van Finance is a form of loan that may be granted to a borrower with the intention of buying a van or other similar commercial vehicle. Rates of interest applicable to the finance will differ from lender to lender.
• Variable Annuity
  Variable Annuity highlights a form of cover which pays out either a lump sum or staggered payments to the policy holder at an agreed date or periodically. The policy holder in return must initially pay the insurer a lump sum or a series of instalments which are invested by the insurer into a range of investment options of the policy holder’s choosing. Over time the value of the variable annuity will vary due to the performance of the policy holder’s chosen investments.
• Variable Rate
  Variable Rate is the terminology used to describe interest which be assigned to a mortgage, variable rate means that the rate of interest can fluctuate at certain times as and when the base rate increases or decreases. Meaning the payments may be lower but also they can be higher if the Bank of England Base Rate increases.
• Vehicle Finance
  Vehicle Finance is a form of lending whereby the loan is used specifically for the purchase of a vehicle, such as a car, van, motorcycle. The loan may be secured on the vehicle.
• Venture Capitalist
  Venture Capitalist describes an individual or organisation that is willing to provide investment into risky but potentially profitable businesses. With the intention of making a good return.

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• Warrants
  Warrants is a term which is use which allows the holder to buy stock at a particular price at some point in the future.
• Water Authority
  The Water Authority is often referred to by locals as ‘The Local Water Authority’ - it is the governing body of a designated area which includes households and businesses in the overseeing of the supply of water utility services.
• Water Bill
  A Water Bill is an invoice which the household or business customer will receive for the water service which has been supplied by their Local Water Authority. It is possible to change suppliers for water and thus making a saving to your monthly utility bill.
• Water Cost
  Water Cost is the term used to identify a charge by a local water authority for either the unit or overall supply of water. Such a cost depends greatly on the area in which you live and the water authority that governs that area.
• Water Rates
  Water Rates is the term which is referred to by many which simply means ‘water cost’ - It is possible to change suppliers for water and thus making a saving to your monthly utility bill.
• Wi-Fi
  Wi-Fi is a term which is referred to by many which identifies areas within businesses and public places as providing wireless access to the internet. Such a provision is now being use as an added extra by recreational companies such as leisure clubs, restaurants and coffee shops to draw in customers.
• Wireless Broadband
  Wireless Broadband is an application which allows an individual to use internet services from any point in their home or business, without the need for connecting wires to a phone line from their computer.
• Wireless Internet
  Wireless Internet provides a cable free internet usage experience; this is achieved by signals which are sent to a central wireless router via radio frequencies, not cables, meaning no connections from computer to phone line.
• With Profits Annuity
  With Profits Annuity describes an increase via results from bonuses which are added each year. These are based on the underlying investments of the with profits fund, although there is an element of risk; over time the equity portion of a ‘with profits fund’ has outperformed gilts and fixed interest.
• Works Pension
  Works Pension is a term which refers to a pension which through regular monetary payments an individual accumulates a supposed increase in investment during their working life.

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• Yield
  Yield is when an investment pays an annual income ‘it’s yield’ is the percentage of this income to the market price.

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• Zero Interest Credit Card
  Zero Interest Credit Card is a card which charges no interest on the amount which is spent by using the card. Terms and conditions would apply to its use.
• Zero Plus Tick
  Zero Plus Tick refers to when a share price has not changed recently, but is still higher than the last transaction at which the price did change then the share is said to be on a zero plus tick.
• Zombie
  Zombie is a name given to make reference to an insolvent company that is still operating, even though it is awaiting liquidation or takeover.

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