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Around 60 per cent of adults in the UK have not made a will, according to a poll conducted by the supermarket chain Tesco.Canvassing 3,500 people, the company’s legal products department found that the vast majority of the two-thirds of Britons who had no will, were not “overly concerned” by the fact. When asked why they had made no legal provision, 36 per cent claimed they “could not be bothered”, the BBC reported. In a repeat of a 2002 campaign to encourage more people to make wills, solicitors in the UK have agreed to participate in Will Aid, when they will waive fees for drawing up wills in November 2004 in return for a contribution to charity.Drawing on support from nine different charities and solicitors’ firms, Will Aid warns that making a will is “the only way to be absolutely certain that your money and your belongings go to the people and causes you care about”.

The independent Pensions Commission is to warn of a massive shortfall in pensions savings in the UK, amounting to a hole of £57 billion in savings. The commission’s report was disclosed two days ahead of scheduled publication by the Observer newspaper on Sunday.The commission’s head, former director-general of the Confederation of British Industry (CBI) Adair Turner, is set to urge direct countermeasures, though his final recommendations are not due until August 2005. Among proposed strategies are to encourage people to work for longer, reform of the Government’s pensions system or simply call for workers to save more. It was noted that the current level of contributions to pensions schemes, at less than six per cent of GDP, was more than half that in comparable European countries.In response to news of the report, Brendan Barber, the general secretary of the TUC, warned that it would “confirm that Britain is heading for a major pensions crisis, which may be even worse than previously thought”.The Government is to face stern criticism from opposition parties over the shortfall, which has been hidden by a string of statistical errors in previous estimates. The Guardian newspaper said on Monday that Tony Blair was preparing to announce that he would forestall action on pensions until the full report from the commission in 2005.

Homeowners who continue to borrow against the value of their properties while the housing market slows down are in danger of suffering the peril of negative equity, an industry expert has warned.A survey by broker MyMortgageDirect discovered that almost two-thirds of borrowers were still re-mortgaging to fund home improvements or luxury items such as cars and holidays.And Peter Barrett, managing director of the online and telephone broker, cautioned that recent falls in the market meant borrowers should resist from relying on continuing house price rises to cover them.He warned that some could end up with mortgages greater than the value of their homes - negative equity.”Clearly the market is going through a period of significant correction and we are concerned borrowers may be counting too much on their property’s value continuing to rise to pay off additional borrowing for equity withdrawal,” he said.Many homeowners have used the property boom to release cash in their homes. Between 1998 and 2003 69 per cent of all re-mortgages withdrew equity.”This time last year people were re-mortgaging like there was no tomorrow as their homes increased dramatically in value, and using the equity in one’s property seemed like a logical way to fund big ticket spending such as a new car.” said Mr Barrett.

First Mortgage Options will allow mortgage brokers that fail to receive their Financial Services Authority (FSA) authorisation by next month’s deadline to operate as authorised representatives on a rolling monthly contract.The details of First Mortgage’s transitional arrangements for mortgage brokers of any size come just five weeks before the October 31st deadline, the MoneyMarketing website reports.Group managing director Alan Hill said: “Your Mortgage Options has received a large number of enquiries from mortgage brokers who have either submitted late applications to the FSA, or have had applications suspended whilst they provide the FSA with additional information. “We have also received enquiries from businesses who have not yet made an application to the FSA, but want the option to do so, and in some instances need assistance to obtain direct authorisation.

UK mortgage borrowing reached record levels in April this year, according to new figures from the Bank of England.Bank data shows that mortgages rose by £9.8 billion in April, the highest since records began in April . Mortgage lending in Britain increased by a record 15.3 per cent on the year.

The Bank of England figures showed that mortgage approvals stood at 124,000 in April, down from 127,000 the previous month, according to The Times.The Bank’s Monetary Policy Committee (MPC) meets next week for its monthly assessment of the UK’s interest rates and analysts are predicting that it will opt to maintain rates at the current 4.75 per cent.The Bank of England data also showed unsecured debt rose by £1.3 billion in April this year, less than in March and well below market predictions. However, the total level of lending in April rose £11.1 billion, up from a gain of £10.9 billion in March.A number of recent surveys have indicated that the housing market may by cooling and a survey by Nationwide published this week showed a significant fall in homeowners’ confidence that prices will continue to rise.

According to figures released by the Bank of England, mortgage borrowing in the UK hit record levels in April.The Bank said that mortgages rose by £9.8 billion in April, the highest since records began in April 1993, and by a record 15.3 per cent on the year.This is despite recent interest rates rises, and as a result may lead the Bank’s Monetary Policy Committee to implement a further interest rate increase.Bank data also showed unsecured debt rose by £1.3 billion, well below predictions. Credit card debt is still growing at a rapid pace, although the rise in April was less than in March.

The total level of lending in April rose £11.1 billion, up from a gain of £10.9 billion in March.The housing market continues to look strong and it appears it will remain that way for some time: mortgage approvals - loans agreed but not yet made - stood at 124,000. The figure is down from 127,000 the previous month but still high by historical standards.The MPC raised rates to 4.25 per cent at its May meeting, too late to affect the April figures.

One in three UK consumers (35 per cent) overlook the rate of interest they will be charged when choosing a personal loan, new research reveals.A survey by Alliance & Leicester found that a third of consumers admitted that they did not look at the annual percentage rate or ‘APR’ when choosing a loan.The bank has warned borrowers that they could end up paying twice the rate they need to.Of those who said that the rate of interest was not their top priority, 37 per cent thought all banks’ loan rates are similar, one in five (19 per cent) confessed that they did not fully understand APRs, and 13 per cent thought a couple of per cent would not make much difference to the cost of their loan.Andy Bayes, head of personal loans at Alliance & Leicester, said: “While two out of three people rightly focus on the rate of interest when choosing a loan, there is still a large number of people who pay over the odds by not giving it their full attention.”He added: “Arranging a loan through the bank branch where you hold your current account may once have been the easiest way of arranging a loan.

However, the telephone and internet has made it much easier to shop around and make sure you are getting a competitive deal on your loan.”

One in two UK homeowners now expect the price of their property to either stagnate or fall over the next six months, new figures reveal.A survey by the Nationwide building society found that five interest rate hikes by the Bank of England since November are starting to take effect on Britain’s overheated housing market.Only a third of Britons predicted no price gains or falls just three months ago, showing a sharp rise in pessimism among British homeowners between mid-July and mid-August.Forty per cent of respondents predicted prices would be the same in six months, up from 27 per cent in June, while nine per cent predicted a slight dip and one per cent forecast that prices would be much lower.The Nationwide survey found that the most optimistic homeowners were in Northern Ireland, where 67 per cent said they expect prices to rise, followed by owners in Scotland (65 per cent) and the North West (63 per cent). In the East of England 14 per cent said they expected their homes to fall in value over the next six months and 13 per cent of homeowners in the West Midlands predicted price falls.

Nationwide Building Society has said that consumers will now be able to get a decision on a personal loan of between £1,000 and £20,000 in a minute or less.Moreover, the loan rate is fixed at 6.7 per cent - meaning customers can save as much as £555 on a loan of £5,000 over three years compared with some other high street lenders.Customers log on to the building society’s website and complete a form. In less than a minute they are given a decision in principal on whether they would receive a loan.

The move follows the success of Nationwide’s One Minute mortgage Promise - which was released in June last year.”During the successful pilot period, the number of online personal loan applications increased by 22 per cent,” said Jim Willens, Nationwide’s retail operations director.After the introduction of the One Minute Mortgage Promise online mortgage sales leapt 227 per cent.Nationwide is urging consumers considering a personal loan to try the service, as it is quick and could save them hundreds of pounds in repayment costs.

The One Minute Personal Loan Promise is available for loans of between £1,000 and £20,000, over periods of between one and seven years, at a flat rate of 6.7 per cent.

New research conducted by MORI for Norwich Union shows that parents are increasingly relying on their children to help with money and financial advice, such as on personal loans. The study found that about 1.3 million parents have accepted financial help from their children. Some 16 per cent of people under the age of 55 say that they provide their parents with financial assistance, and 20 per cent regularly advise them on financial matters. More than one in ten (11 per cent) also help their parents by paying bills.Mark Kelly, director of Norwich Union Personal Finance, said: “Traditionally, children rely on their parents well into adulthood for financial advice and support; however, it appears that these roles have been reversed. “With many older people facing a tougher retirement due to issues with pensions and increased living costs, it is perhaps not surprising that they are turning to their children for financial assistance.”The research shows that a greater proportion of people under the age of 35 are helping to pay their parents’ bills rather than their older siblings, with 18 per cent of under-35s providing financial assistance compared with 15 per cent of those over 35.