The Beacon

If you have had to go down the route of an IVA, then unfortunately you don’t have many options.

IVAs show to other lenders that you are unable to handle your debts therefore placing you in the category as a risky borrower. Or at least the majority of lenders will think that. There is however, help available for those looking to pay back their IVA debt and turn their fortunes around.

One way is through an IVA mortgage-a refinance mortgage for those looking to seek out as much they can out of their property to help pay off IVA debt. It isn’t the most competitive mortgage rate on the market (in fact it probably won’t even rank) but it will help you consolidate your debts.

Not only will it give you some much needed capital it can begin to repair your credit rating – handling tougher debt will begin to convince lenders that you are a worthy borrower by handling your IVA debt and your IVA mortgage at the same time, all of this will be covered when you apply for IVA advice. 

If refinancing isn’t an option for you, you could always go for a secured loan as a means of paying off some or all of your IVA debt. A secured loan is just money taken from the equity in your home, so it is your money and it is safe. It can be used to pay off your IVA debt, to make sure that you do not return to debt again.

It takes a lot of time and work to cope with IVA debt and a mortgage. The process makes you view your expenditure and income in a very different way.

Expenses will need to be cut, luxuries must be slashed and you need to be able to come up with a plan to pay off your IVA debt each and every day.

At the end of it all it will be worth the hard work and paying off your IVA debt will put you on the right track to financial piece of mind.

There are many reasons to say a heart-felt thankyou to someone special. Whether a friend has given you a lot of support over the years, or you have been sent a gift and would like to show your appreciation, saying thankyou to someone is easy and free with ecards.co.uk.

This amazing free e cards site allows you to select and send a whole range of thankyou cards with a few clicks of the mouse. Incredibly user friendly, just follow the step by step instructions on screen in order to send a great greeting your friend or family member will love. The only tricky part of the whole process is deciding which ecard greeting to send!

Sending ecards from ecards.co.uk is a great alternative to paper greetings because not only are you helping the planet by saving paper, but you are also saving money. This is a wonderful idea if you have to send a lot of thankyou messages and you are trying to watch what you spend. With a huge variety of classic cards, you really are spoilt for choice. All ecards have a section where you can add a few words of your own in order to show the recipient how you appreciate them and everything that they have done for you.

Want to go that little extra mile? Then select thankyou greeting cards which has the ‘Face It’ application added. Here you are able to upload photographs to surprise your recipient, imagine the look on their face when they recognise the picture infront of them. Any ‘Face It’ cards on the site are a wonderful way to add that extra special touch so you can create a greeting that is truly personal.

Since this particular e cards site is totally free you can send as many greeting cards as you wish, so why not browse through the large selection on offer and see which cards are your favourite. Remember that there doesn’t need to be a reason to send an e card, it is always a lovely gesture to just send a message to someone important in your life and show you are thinking of them.

For more information please visit For more information visit http://www.ecards.co.uk or contact

Sam Heaton   (01237 426555)