I remember getting my first loan. It was to pay for a then little-known experimental procedure called moustacheplasty. My friends warned me not to, but I just knew that I’d love the way the wind ...

Let’s face it, mortgages are a daunting subject. For many they are a proverbial "ball and chain", destined to be repaid for the next few millennia, with no discernable end to the misery of seeing ...