Most searched terms

REDUCED RATE ELECTION

Until April 1977, married women could choose to pay a reduced rate of National Insurance. You might still be paying the reduced rate if you opted in before the scheme ended.

REPAYMENT MORTGAGE

Also known as a capital and interest mortgage. Your monthly repayments consist of instalments of capital (the amount of money you have borrowed) as well as interest due on the amount you borrowed.

RIGHTS ISSUE

New shares sold by a company to raise capital.

RISK

Refers to the fact that the value of your savings and investments can fall as well as rise. Some savings and investments (direct investment in equities, for example) carry greater risk than others (such as a deposit account with a bank or building society).

RPI (RETAIL PRICE INDEX)

The official measure of inflation in the UK. It measures the average change from month to month in the prices of goods and services purchased by a typical household.

REGULAR SAVINGS ACCOUNTS

Saving accounts are accounts that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque).

RENTAL YIELD

The rental yield of a property is how much of an annual return you are likely to get on your investment. This yield is calculated by expressing a year’s rental income as a percentage of the costs associated with owning & maintaining the property.

REDEMPTION

Paying off (redeeming) a mortgage, either at the end of the mortgage term or when you move to another property or switch to another lender.

RE-MORTGAGING

The process of switching your mortgage from one lender to another without actually moving home.

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