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Dictionary of Financial Terms - V

Carried out by a professional surveyor to establish how much the property is worth and whether it is suitable to lend a mortgage on. There are 3 types of valuation that can be done, a basic valuation, homebuyers report or full structural survey.

Value added tax (VAT)
An indirect tax payable by adding it onto the value of most goods and services.

Variable rate
A rate that can move up or down at any time. Usually linked to changes in the Bank of England Base Rate.

VISA card
A card linked to the VISA network worldwide. Payments made using your One account VISA card are added to your account the following Thursday. You can use your One account to pay for goods and services or to withdraw cash anywhere in the world you see the VISA sign.

The degree by which share prices in a particular stockmarket or sector go up or down. Usually measured by the movement in a particular index.

Voluntary Scheme
A pension or other benefit scheme in which the members choose the extent and levels of benefits provided. These are normally schemes in which members pay the contributions or premiums. For example, a trade union or other affinity group may offer membership of a scheme providing life assurance cover.

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