Long term personal loans can be categorised as either secured or unsecured. Collateral in the form of assets like real estate or any other building as security against the loan is required in the case of secured loans. The security helps the borrower in availing better terms and conditions from the lender like cheaper interest rate, larger loan amount and longer loan repayment period. The range of loan amount is £5000-£75000 and the loan repayment term ranges from 5-25 years. But, collateral is not at all required in the case of unsecured loans. That is why they are known as loans of collateral-free nature. The range of loan amount is from £1000-£ 25000 and the range of loan repayment term is from 1-10 years. While applying for these loans, the borrower must take care of some conditions like he must be an adult, must have an active bank account, must have a minimum monthly income not less than $1000 and must have reliable UK citizenship. The borrowers who have bad credit rating like late payments, missed payments, CCJs, insolvency, arrears, defaults, etc. can apply for these loans due to the absence of no credit check.

Different lenders are available online offering different deals. The borrowers must search online and choose the best deal for themselves after comparing offers of the different lenders and negotiating a little. Online loan application procedures are very quick due to the absence of paper-work. Now, the borrowers can apply for the loan of their choice from the comfort of their home. They are no more required to stand in long queues for the sake of loan application procedure. They have to fill an online application form with some personal details required by the lender and then, send that form to the lender. After verifying all the details, the lender will transfer the loan amount into the borrower’s account within next few business hours.

The loss here means that the self-certified loans use to authorise the borrowers for the quick processing as the important documentation like credit record and the full declaration of income was not demanded here. However, if these kind of credit facilities will vanish away from the market then what kind of loan will help the individuals for a quick processing of loans.

Well, the quick personal loans can be seen as a big help to get rid of the financial hassle going in the financial services sector. Its a known fact that this kind of loan facility is famous for the quick transferring of funds to the account of the borrower.

According to the loan availing process of the quick personal loans, the applicant can apply for the loan with most of the well known and advocated lenders of the country. Further, the loan gets approved or rejected by the lender keeping in mind some terms and conditions.

If the loan gets green signal from the lenders, they transfer the loan amount to a borrower’s account as soon as possible. This process mostly take 24 hours and the lenders try their best to not to delay much in this segment.

Hence, one can say that the problems related to the quick funds transfer gets solved with this loan. However, the quick personal loans does not score big only in the segment of immediate funds transfer.

As per the conditions determined for this credit product, the past credit defaulters can also avail the benefit from this. Its been said a lot that quick personal loans are available with the sufficient APR and interest rates to those individuals also who have defaulted on their repayments with their past loans. However, some terms and conditions have to fulfilled before getting into any kind of the agreement.

Further, the Quick Personal Loans are also positive where the cost factor arrives in the loan availing process. According to the terms and conditions, this facility is designed to offer maximum benefit to the users. Hence, many lenders here could be seen disbursing the loans on the lower APR terms which attracts a borrower at a higher level.

So, the scenario might be changing with a lot of efficient loan products going away from the market but, there are so many credit services now coming in the light and the attributes like low APR and interest, quick processing in the process and easy availability for the credit defaulters are making them the need of hour.

Vince Cable has warned that the political class has not yet prepared the public for the scale of the underlying problems facing the UK economy and the coming squeeze on living standards.

In a frank interview with the Guardian the business secretary repeatedly referred to the time and pain that will be needed to restructure what he regards as a broken economic model.

“It is a challenge to us to communicate it better. I don’t think it is understood that the British economy declined 6 or 7% – [that is] 10% below trend,” Cable said. “We are actually a poorer country, mainly because of the banking crash, the recession that followed it and partly due to the squeeze we are now under from the changing balance of the world economy.”

He argued: “Britain is no longer one of the world’s price setters. We take our prices from international commodity markets driven by China and India. That is something we have got to live with and adjust to. It is painful. It is a challenge to us in government to explain it. The political class as a whole is not preparing the public for how massive the problem is.”

He expresses frustration that “the debate about the economy is in the wrong place,” partly blaming Labour for still being in a state of denial that its golden decade of growth had been built on an unsustainable model of financial services.

“There is not a sustained critique, pressure or argument from the progressive wing of politics. Ultimately it comes back to this defensiveness and an unwillingness to accept that Britain was operating a model that failed … it makes it more difficult for us to get through to the public about the scale of the problem. That is to everyone’s loss.”

He said: “As a country we are going to have to go through some very big major structural changes, but if the dominant debate is ‘Well, what is the problem? Why are we all doing this stuff? It is not really necessary.’ Of course it makes it more difficult.”

Cable, one of five Liberal Democrat ministers in the cabinet, said it was realistic for the coalition to eradicate the structural deficit by the end of this parliament, adding “our credibility hinges on it”.

But he does not convey optimism about growth in the short term. “The fact is that we are now having to get used perhaps to lower growth and a gradual process of building the economy up again.”

He said: “We have had a very, very profound crisis which is going to take a long time to dig out of. It is about the deficit, but that is only one of the symptoms. We had the complete collapse of a model based on consumer spending, a housing bubble, an overweight banking system – three banks each of them with a balance sheet larger than the British economy. It was a disaster waiting to happen and it did happen. It has done profound damage and it is damage that is going to last a long time.”

He predicted the impact on people’s lives will not come primarily from government spending cuts, but the squeeze in living standards caused by world prices and a 20% devaluation of sterling against other major currencies.

Without questioning the growth forecasts from the Office for Budget Responsibility, he stressed the uncertainty of external factors. “We cannot predict what is going to happen in the eurozone, and how that is going to impact on us, and we cannot predict what is going to happen to oil prices.”

Cable recently wrote that “economic policymaking is like driving a car with an opaque windscreen, a large rearview mirror and poor brakes”, and told the Guardian the metaphor applied to Mervyn King, the governor of the Bank of England, as he made the big calls on monetary policy designed to spur growth.

More broadly, he said: “The danger is over-confidence – the belief that the government can control everything in the economy. Governments cannot. Economic management is difficult.”

He also denied the government is locked into a cycle of more spending cuts if growth slows. He said: “What is not often acknowledged is that there is a lot of flexibility built into current policy. The main element of flexibility is in monetary policy and the second is the basic Keynesian stabilisers. That is the way the government is functioning. We are not trying to maintain budget balance come what may. If the economy slows down, the deficit temporarily has to rise to take account of cyclical change, flexibility is built in.”

Cable expressed disappointment that tribalism has returned to politics in the wake of the AV referendum, admitting it will be difficult for his party in the short term. But he claimed the change could be turned to Nick Clegg’s advantage.

“There is now a large constituency of people out there who, for want of a better word, are de-tribalised, who hate the ya-boo, left-right debate who are looking for a home, and in a way that is our constituency. Blair appealed to that [group] a decade ago, successfully.”

He said despite the vitriol directed at his party during the local elections, it had retained a base of 15% from which it can build. Vince Cable Economic policy Economic growth (GDP) Economics Liberal-Conservative coalition Public sector cuts Public services policy Public finance Liberal Democrats Patrick Wintour guardian.co.uk © Guardian News & Media Limited 2011 | Use of this content is subject to our Terms & Conditions | More Feeds

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Thankfully, having a bad credit rating doesn’t mean you’re stranded as far as loan options go; indeed, as backwards as it may seem, taking out a loan might actually be the answer to improving your credit history. Known in the trade as Bad Credit Loans, a large number of independent lenders and loan providers have products designed specifically for people with poor credit ratings who’ve been turned away by the high street banks and building societies. The important thing to know, however, is which of these lenders are reputable and which aren’t — employing the services of a loan broker can help you distinguish which of the trustworthy licensed lenders are able to help, since there are so many companies out there claiming to offer the best rates.

Just as important is knowing which type of Bad Credit Loan you need. If it’s only a little bit of cash you need to tide you over until your next pay packet, then you might want to consider a payday loan — companies offering these specialise in short-term loans for small amounts of money, although they often come with interest rates that seem insane until you consider them in the context of the repayment term. More money, however, means you’d need to look at a longer term loan; these exist for bad credit holders too and have considerably lower interest rates than payday loans. However, the interest rates are still higher than more traditional loan products since the bad credit rating of the borrower presents more of a risk to the company lending out the money.

It’s also worth noting in all Bad Credit Loan cases that the amount of money you’d be allowed to borrowed is likely to be hampered by your bad credit status. Since the bad credit mark is essentially a warning to lenders of your ability to handle your finances properly — regardless of how it was earned — they naturally take a more cautious approach towards anyone with bad credit approaching them for a loan. That isn’t to say that they’ll deal with you differently though; just that the maximum loan amount you’d be allowed is likely to be lower than regular high-street loans.

Of course, the best thing about Bad Credit Loans is that they can help repair your credit rating, to the point that you could consider getting credit with best rates of interest in the future. Granted, you need to keep up the repayments on a regular basis for that to happen (which may or may not be a problem, consider that may have been the very thing that earned you a bad credit rating in the first place) but providing you handle the loan responsibly, it can do you more good than just provide a bit of extra cash in the short-term. What’s more, such loans have become increasingly easy to apply for these days, with many lenders and loan providers having online application forms that can be completed in just a few minutes and decisions often taking a matter of hours rather than days or weeks.

In Summary

Getting a loan with bad credit…

Isn’t impossible to find if you approach the right lenders!
Could range from shorter payday-style loans to longer term ones
Will usually see you paying a higher rate of interest than more conventional loan products
May cause you to have a restricted level of borrowing
Can help to repair your credit rating through regular repayments
Can be easy to apply for; online applications can often take just a few minutes
Copyright: Individual Finance, 2010

Individual Finance has informative articles on Loans With Bad Credit, Fixing A Bad Credit History and many other aspects of UK finance. It also keeps users up to date with the latest money-saving offers and vouchers through regular e-mail newsletters.

Martin Mathers writes for Individual Finance — he’s a professional journalist and writer with 12 years of experience under his belt, covering everything from finance and business to movies, music and technology.
Article Source: Ezinearticles.com

Number of banks and financial institutions are offering these loans at easy terms and conditions. Borrowers can avail these loans under secured and unsecured loans. Both the forms of loans are made to suit different needs of people. Borrowers who are having some assets can place them as collateral and they have to pay low rate of interest. Lender’s money is not at risk in this case. On the other hand, borrowers who are not having some valuables to place as collateral can avail them as unsecured loans. Here, they will pay little high rate of interest. Repayment of the loan can be easily done, as these loans carry easy terms and conditions.

Under secured personal loans, a borrower can avail the loan amount ranging from 500 up to 75,000. Repayment of these loans can be done within 5 to 25 years. On the other side, the loan amount that can be availed under unsecured loans ranges from 500 up to 25,000. Repayment of unsecured loans can be done within 6 months to 10 years. For a person to qualify for these loans, there are some eligibility conditions. He must have a legal age at the time of applying for these loans. He must be a resident of UK. Some lenders will ask for proof like driving license, address proof etc. Thus, a borrower must have such documents before applying for the loan.

These loans are available to both good as well as bad creditors. People with the bad credit history can feel free to avail these loans during their urgencies. An online application can be filled up to apply for these loans. Once approved, the borrower will get the loan amount transferred to his active bank account.

12.01pm Syria: While human rights campaigners warn of systematic killing in Deraa, the government’s mouthpiece, Sana, has a very different account of the army’s action .

The state news agency says the army has been sent into quell “extremist terrorist groups” and that weapons have been seized. Other accounts suggest the protests have been peaceful.

In response to the calls for help from the citizens of Daraa and their appeal to the Armed Forces as to intervene and put an end to the operations of killings, vandalism, and horrifying by extremist terrorist groups, some Army Units entered Sunday morning, April 25th 2011, to the City of Daraa to restore tranquility, security and normal life to the citizens, an official army source declared.

The official source added that the Army Units, with the participation of security forces, are now chasing the said groups adding that the Army Units were able to arrest several members from the groups and confiscated huge quantities of weapons and ammunitions.

11.53am – Syria: We have our own reports of gunfire in Deraa now, this time from Wissam Tarif, executive director of the human rights group Insan, who fears a massacre is taking place in the city and elsewhere. Within the last half an hour he overheard gunfire during a phone call to Deraa.

On reports of mutiny within the army , Tarif said:

We have been hearing this for the last four or five weeks. We have interviewed some of the families of soldiers who have been shot. In three cases families suspect that the soldier was shot by security forces for disobeying orders [to] shoot civilians. There is strong evidence that this might be happening, the question is at what scale? The two units employed in Deraa are very loyal to the regime.

He added:

The few foreign media journalist in Syria are not allowed to leave Damascus. So the Syrian regime has managed to isolate the rest of the country from the world. What is happening in the country is systematic killing. We are talking about an army surrounding a group of civilians with tanks and opening live ammunition. The absurd [thing] about this is that the international community has so far just used strong words but no action whatsoever. I don’t understand why the UN security council hasn’t referred this to the international criminal courts.

_

11.47am – Syria: A resident in Deraa has told Reuters of gunfire and artillery in the city early today.

People in Deraa say telephone lines, electricity and water supplies have all been cut. One resident, speaking by satellite phone to Reuters, said there had been intermittent gunfire during the night followed by artillery rounds and intense machinegun fire at around 7.30 (0430 GMT).

“Sometimes you suddenly hear a burst of heavy machinegun fire coming in all directions as though to just scare people and terrify them,” he said.

He said citizens were cut off not just from the outside world but from other parts of Deraa.

“A brother doesn’t know what’s happening to his brother and we are still besieged,” he said. “They have cut off the city’s inner neighbourhoods from each other and army and snipers are still encircling almost every quarter.”

But he said in the Sabeel neighbourhood a demonstration of around 300 youths was allowed to go ahead. Soldiers near to a tank deployed close by put down their light arms down to signify they would not shoot, he said.

But residents believed that snipers were still active in the city.

“They don’t want people to bury their dead,” he said, adding that with electricity cut off mosques could not announce the names of the dead.

11.20am – Libya: This video , posted on Facebook, was taken in Misrata and shows something of the destruction in the city. In the clip you can see rebel fighters clambering over Libyan government tanks and making their way through abandoned buildings. Other videos posted by Libia Ana on the social networking site show a small group of rebel fighters engaged in battle.

10.45am – Syria: This is video purporting to show a funeral in Duma ( 10.02am ) which turned into a demonstration. The video shows protesters scattering to the sound of gunfire and a person lying on the ground.

_

10.37am – Syria: According to the Press Association, the UK, France, Germany and Portugal are drawing up a draft statement on Syria which is being circulated at the UN, where Syria is to be discussed today. In his statement, Hague confirmed that Britain is working with others at the UN security council and the EU to send a “strong signal” to President Assad that he must halt violence against civilians.

10.26am – Libya: A Nato attack on a compound used by Gaddafi caused an “amazing scene” of destruction, our colleague, Harriet Sherwood, reports from Tripoli.

“The building, which officials here claim was a civilian office building housing a library and archive, was completely flattened. Nato says it was a command and control centre – it was a legitimate target. The Libya government here are saying very explicitly it was an attempt to assassinate Gaddafi and an act of terrorism.”

Meanwhile, fuel queues are mounting, Harriet says.

“Huge petrol queues have sprung up again in Tripoli and surrounding towns. I went to a town quite close to the Tunisian border called Zuwarah. There were massive queues of cars, five or six cars deep, and maybe half a kilometre long. And this was for petrol stations that were closed. I spoke to two guys who said they had both been waiting for five days. If Libya is running out of fuel that is a huge symbolic blow… People are very attached to their cheap fuel. That would have a big impact on morale.”

_

10.18am – Syria: The Foreign Secretary, William Hague, has issued a statement condemning the Syrian government crackdown.

I condemn utterly any violence and killings perpetrated by the Syrian security forces against civilians who are expressing their views in peaceful protests. This violent repression must stop. President Assad should order his authorities to show restraint and to respond to the legitimate demands of his people with immediate and genuine reform, not with brutal repression. Words are not enough: the emergency law needs to be lifted in practice and the legitimate aspirations of the people met.

10.12am – Syria: There have been intriguing reports of defections among Syrian troops, a subject explored by Ammar Abdulhamid, a Syrian anti-government activist , on his Syrian Revolution Digest blog.

In the morning of April 25, the city of Deraa was invaded from all four corners by units affiliated with the 4th Division, which falls under the direct leadership of Maher Al-Assad, the 5th Division, led by Muhammad Saleh Al-Rifai, with reinforcement from the 132 Battalion.

Shortly thereafter, reports began trickling then pouring in speaking of a mutiny in the units affiliated with 5th Division and troops from these units standing up to and halting the advance of units from the 4th Division trying to reach Al-Omary Mosque in central Deraa.

At first, many of us thought this might be a reference to a few more defections, as had transpired two weeks ago, but the reports continue to come from different sources and eyewitnesses that we managed to reach all through the day, leading us to believe that there might indeed be something worth monitoring here.

If such a mutiny has indeed taken place so early in the game, then Assad’s military gambit seems to be backfiring, a development that could spark a wider division within the army in the next few hours and days, with all different sorts of implications for the protest movement, depending on how this internal conflict plays out.

If, on the other hand, the reports turn out to be nothing more than exaggerations and wishful thinking, then the protest movement will still have a way to go before producing a significant impact on the structure and power base of the regime, and the challenge will be to keep on message and peaceful all the way through despite the mounting violence on part of the Assads.

10.02am – Syria: Suspected protesters have been rounded up in Duma, a town just to the north of the capital Damascus, eyewitnesses told a Human Rights Watch Syria researcher, Nadim Houry, who has been monitoring the crackdown from Beirut.

He said: “An estimated 5,000 members of the security forces circled the town and went in knocking door-to-door arresting people. According to one family three members of their family were detained. They [the security forces] had a list of names that they were looking for.

“They [the family] reported hearing gunfire at around 11am yesterday morning, but could not confirm casualty rates because they were hiding inside their apartment.”

“The situation in Deraa is even more worrying but unfortunately the city remains completely cut off. We know that the Syrian army with tanks and the like entered the city on Monday morning. There are no available details at this stage of exactly what’s happening. All we have are short clips on YouTube showing the army shooting on the city.”

The death toll has been increasing exponentially in Syria, Houry warned.

“Between Friday and Saturday over 100 people were killed. The deployment of the army in full gear encircling a city and cutting it off, is very worrisome when you know the fatal history of the 1980s when the city of Hama paid a very heavy price for opposition to [president] Bashar al-Assad’s father.”

_

9.54am – Libya: Xan has just been back on the line to say that he’s hearing that Nato might have taken out some of the Libyan government artillery, which explains the lull in today’s shelling. So rebel frustration at Nato has eased considerably.

9.45am – Libya: Xan Rice, our colleague who is in Misrata on a surprisingly good line, says there has been a lull in the intense shelling of the only rebel-held city in western Libya.

There was a lot less shelling last night and I haven’t heard any this morning so far, which is a big contrast since I arrived on Wednesday. The Gaddafi forces have been removed from the city centre and been pushed back beyond the highway, which is a big defeat for them. But residents have not rushed back to their homes as there still may be one or two Gaddafi soldiers hiding out, there is also the danger from unexploded ordinance and lots of homes have been destroyed. While people are pleased about Gaddafi forces being pushed out, there is not a sense that it’s over. The rebels managed to drive government forces out by cutting their supply lines and battering them day after day. The snipers could not be resupplied with food or ammunition. The tanks were taken out by RPGs or were blocked as rebels cut streets off with shipping containers. But there is much frustration with Nato. The rebels are saying: ‘They’re hitting us with artillery from 12 miles away, they must be in the open, why isn’t Nato attacking them.”

9.26am – Syria: It’s been noted by the Guardian’s Simon Tisdall among others that the US has been pulling its punches with Syria. As the Washington Post pointed out in its coverage, Obama has yet to declare that President Assad has lost the legitimacy to rule as he declared in the case of Gaddafi in Libya and Hosni Mubarak in Egypt. The Post quotes an administration source as saying that policy will be “event driven” .

The tipping point may have come in the weekend of violence, giving Obama the popular cover he has sought before calling for regime change in the Arab world.

“We’re not there yet,” the administration official said. “This will be event-driven.”

Obama’s reluctance is rooted in fear of what might replace Assad, a member of Syria’s minority Alawite sect who is running a Sunni-majority country with a prevalent, if repressed, Islamist strain in its society and politics.

His secular Baath Party has been viewed by neighbors as a bulwark against Islamic extremism, making his government a linchpin in the region. Many U.S. allies, including Israel, Saudi Arabia and Turkey, hope that Assad finds a way to remain in power.

9.00am: Good morning and welcome to our live coverage of unrest in the Middle East, where the Syrian government sent in tanks, snipers and thousands of troops to crush pro-democracy protesters in the southern city of Deraa.

– Scores were reportedly killed and many more arrested in a widespread pre-emptive crackdown that was described by one human rights activist as a “savage war” against the pro-democracy movement . Deraa, which has been a centre of the rebellion, bore the brunt of the regime’s assault . Witnesses said at least 3,000 troops, backed by tanks and heavy weapons, entered the town in the early hours of Monday. Human rights organisations warned that this latest crackdown signalled an attempt by the regime to deliver a fatal blow to the pro-democracy movement.

– The Obama administration condemned “the brutal violence used by the Syrian government”, describing it as deplorable . The US said it is pursuing a range of possible policy options, including targeted sanctions .

– In Libya, Nato was accused of trying to assassinate Muammar Gaddafi after two air strikes in three days hit sites in or near the compound where he is believed to direct military strategy . At least two large missiles or bombs struck a multistorey office building in Bab al-Azizia, the sprawling complex in the centre of Tripoli, shortly after midnight yesterday . The Libyan government claimed three people were killed in the attack, although some officials there shortly after the strike said there had been no injuries. Syria Libya Arab and Middle East unrest Middle East Mark Tran Matthew Weaver guardian.co.uk © Guardian News & Media Limited 2011 | Use of this content is subject to our Terms & Conditions | More Feeds

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The amount of cash attainable through unsecured personal loans is available through two forms, secured format and unsecured format. In the secured form, the amount provided to an individual ranges within the flexibility of 500 – 1, 00,000. This borrowed amount needs to be repaid within a time period of 1 – 25 years. However, to ensure the security of this loan, an individual needs to pledge collateral for this advance. The other type of loan is the unsecured loan. In this format, an individual is empowered with a financial back up ranging within the limits of 1000 – 25, 000 which needs to be settled within an allotted time period of 1 – 10 years. As the name hints, one is not needed to provide security against this type of loan.

There are a few conditions which a applicant needs to fulfill in order to be eligible to apply for these loans. The individual applying needs to be a resident of UK. Applicant must to have crossed the age of 18. He needs to be employed in a recognized institute which pays him a fixed monthly income. He also needs to possess an operating bank account in the place nearest to his residence.

In order to make things much more convenient for the applicants, the online mode of application has acquired a much easier form. To apply for these loans, one just needs to fill and submit the online forms which contain true details of the aspirant. The loan is transferred to the borrowers account within a time span of 24 hours from applying.

This article ( CS ETF (IE) plc – Net Asset Value(s) ) was originally developed by and is property of American Banking News . Checkout American Banking News for up-to-date banking news and peer to peer lending news.

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The countryside around Cambridge is the best place to live in rural Britain, according to a Halifax survey which gave it the top spot for its mix of high incomes, life expectancy, good health, high educational standards – and the fact that it doesn’t rain too much.

In a survey of every rural area in the UK, South Cambridgeshire emerged at the top of the table, closely followed by East Hertfordshire, Uttlesford (the area around Stansted Airport) and Aylesbury Vale in Buckinghamshire.

Outside the south and east of England, the top-rated spots were Rushcliffe, south of Nottingham, and Wychavon in Worcestershire.

But South Cambridgeshire edged ahead of every other part of the UK with 95% of its 140,000 residents reporting generally good health, and the highest life expectancy of any rural area in the country.

Average weekly earnings across the area, made up of 105 villages, are £739, and the employment rate, at 79%, is one of the highest in the UK. The area, which includes the village of Grantchester made famous by Rupert Brooke and latterly Jeffrey Archer, derives most of its prosperity from the university city it encircles.

Alex Colyer, executive director of South Cambridgeshire District Council, said: “It’s a very vibrant place with a science and education-driven economy which ripples out of Cambridge. We have lots of biotech and science companies and low levels of deprivation.”

Recession and austerity have barely touched the district, where house prices rose strongly through 2010 and currently average around £275,000. Unemployment is below 2% and employment in the R&D sector is 18 times the national average.

The council says one of its biggest challenge is public transport. “We have a very high reliance on cars in this area and cuts to public transport are an issue for us.”

Halifax measured every rural location in Britain on criteria including home size, traffic flows, employment, crime, weather, and GCSE results.

Employment was highest in Ryedale in North Yorkshire and the Shetlands, both at 86%. The Western Isles had the lowest burglary rate, least traffic and smallest school class sizes. At the other end of the country, the Isle of Wight scored highest for sunshine, while the Isles of Scilly, Teesdale and Wear Valley in County Durham were top for GCSE results. Health Housing market Real estate Patrick Collinson guardian.co.uk © Guardian News & Media Limited 2011 | Use of this content is subject to our Terms & Conditions | More Feeds

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