Welcome to the Finance glossary, we have made this glossary to make you more comfortable in finding and understanding the finance terms. This is brought to you by the  loan uk .

Use the A-Z alphabetical list to find definitions of key finance terms.Our aim is to provide the mostcomprehensive glossary of UK financial   terms on the internet

Gazumping

The sellor's agent takes a higher bid after accepting yours.

General Conditions

A number of standard rules and conditions that apply to a mortgage, and are presented to the borrower in booklet.

General Insurance

Insurance companies identify different types of insurance policy as falling into different branches. For instance the life branch covers the insurance of people and is generally known as life assurance. The insurance of property, is known as personal lines.

Grace Period

Time frame in which loan payments can be made after due date without penalty.

Gross Income

Total income after tax.

Ground Rent

When you are a leaseholder you will probably have to pay ground rent to the person that owns the land you property stands on.

Guaranteed Earned Income

Is income that you receive along with your basic salary that is not part of your normal basic pay under the terms and conditions of your employment but which you are guaranteed to receive.

Guarantor

Is a person who agrees to guarantee that a loan will be paid. The guarantor is therefore fully liable for the repayment of the borrowed amount should the borrower default.

Gearing

Gearing is the ratio of a company's debt to its assets and measures the financial risk of a company's capital structure. Due to the financial risk associated with gearing, higher gearing will increase the rate of return required by investors. Gearing is called leverage in the U.S.

Goodwill

Goodwill is an intangible asset which appears on the balance sheet of newly purchased companies. It is the difference between the amount that a company pays for an investment and its book value. Goodwill payments may be due to the business being in a favorable location, its reputation in the community, or the quality of its employer and employees. The evidence that goodwill exists is the proven ability to earn excess profits.

Gilt

Secure bonds issued by the UK government also known as 'gilt edged securities' or 'fixed interest securities'. Gilts are bought at their par value or at face value. Most gilts are 'dated' which means that at a fixed date in the future, the par value will be repaid to the investor. The categories or time frames for gilts tend to be:

Short dated gilts ('shorts') - these have a life of up to 5 years.

Medium dated ('mediums') - these have a life of 5 - 15 years.

and Long dated ('longs') - have a life of 15 years or more.

Gross

The gross amount is the amount before the deduction of tax.

Grossing up

The process of calculating the before tax value of an interest or dividend payment (figures that are required when completing your self assessment forms).

Gross redemption yield

The return on a fixed interest security expressed as an annual percentage. The redemption yield consists of the capital and income return on the investment.

Gross yield

The gross yield on an investment is the annual gross dividend or income received expressed as a percentage. The gross yield is used in preference to the net yield, becauce investors can make a direct comparison with (gross) interest yields from other loanstocks and gilts.

Guaranteed income bond

A single premium insurance bond which pays out a fixed amount of annual income and returns the original sum invested at maturity.

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