NG9 5HA

Postcode Information - NG9 5HA

NG9 5HA – information about the NG9 5HA postcode is completely free. No records are left of your search, so you can research the NG9 5HA  postcode entirely confidentially.

The postcode NG9 5HA  is classified into one of 54 standard geodemographic types – we explain what each type means and how each postcode type is described.

General Overview of NG9 5HA

We bring together information from several different sources including census data about NG9 5HA  so you can gain an impression of how the area is described, including what type of people live in the area, and how affluent they are. The data can often be one of the components of the calculation of some credit scores, can affect your insurance ratings and, of course, can dictate the levels of junk mail you receive.

Classification	Well-off older couples and families in large detached and semi-detached houses
Relative to Population	This postcode is typical of 3.69% of the UK population.
Housing Type	Properties are mainly detached or semi-detached and are owned outright or mortgaged. The typical property price is average. The properties are very large in size and are located in small towns, suburbs or rural areas. People will typically have lived here for 11 or more years.
Residents	In this area the most common social group is ABC1. The children living in this area are typically aged between 5 and 19 years and the adults between 30 and 64 years. Households consist of couples and families. The population density at this postcode is approximately 23% of the national average. The people living here are in general qualified to a high level and the typical employment type is classified as professional or white and blue collar. Unemployment stands at 50% of the national average, and the industry sector is defined as consisting of manufacturing, for example brewing, steel, petrol and car manufacture, the service industry, for example tourism, retail, transport/distribution and catering or intellectual services, for example IT, scientific research, education and consulting. The number of directors is 11% higher than the national average. As defined by the Census, the ethnic break-down of this postcode is typically white.
Social Classification	We are all described as being within a "social class" or " socio-economic grouping". These tend to rely on the occupation  of the main earner within a household and are no more than rough groupings, used principally by advertisers to segregate their target audience. There is no reliable single definition of the groups, nor of what is included in them, so please treat this with a pinch of salt. The social classification of the residents of NG9 5HA is ABC1 and is shaded blue below. Please note that if your area contains more than one group, the shading can cover several classifications:
	BETTER WORSE        What the letters mean... Professionals such as doctors, lawyers and dentists, chartered architects and engineers. Individuals with a large degree of responsibility such as senior executives and senior managers, higher grade civil servants and higher ranks of the armed services. University lecturers, heads of local government departments, executive officers of the civil service, middle managers, qualified scientists, bank managers, police inspectors and senior ranks of the armed services. Nurses, technicians, pharmacists, salesmen, publicans, clerical workers , clerical officers within the civil service, police sergeants and constables and senior non commissioned officers within the armed services. Skilled manual workers  who have served apprenticeships; foremen, manual workers with special qualifications such as long distance lorry drivers, security officers and other non commissioned officers within the armed services. Semi-skilled and unskilled manual workers, including labourers and people serving apprenticeships; clerical assistants in the civil service, machine minders, farm labourers,  laboratory assistants, postmen and all other members of the armed services. Pensioners, casual workers, long term unemployed people, and others with relatively low or fixed levels of income.
Financial	The level of investors in this area is 86% of the national average and the financial risk associated with this postcode is classified as being roughly 42% of the national average.
Other Information	Most people read either a local paper, a paper such as the Sun, the Mirror, the Daily Star, the Telegraph, the Independent, the Guardian or The Times and the level of internet usage is very high. Response to mail order companies is very high. There is a very high level of car ownership and when travelling to work people tend to use private transport.

Financial Characteristics in NG9 5HA

Public databases such as the Register of Court Judgments and Insolvency Records are combined with census data and 'lifestyle' information collected from questionnaires to evaluate the average financial risk in a postcode.

Financial Risk	Based on Cameo financial risk, in NG9 5HA the ratio of good credit accounts and bad credit accounts across the area is as follows.  A good credit account is one with payments made on time. A bad credit account is, or has been, in arrears.
	One bad account in every 20 accounts
Credit Score	In NG9 5HA the average Credit Score for all households as calculated by checkmyfile.com and based on the Cameo financial risk is 897
	1 STAR 2 STAR 3 STAR 4 STAR 5 STAR
Typical Credit Card	Based on the average credit score in this postcode, we've matched the following Credit Card as being most likely to say yes.
	Barclaycard Platinum Purchase - 18.9% APR Representative Variable No Annual Fee Introductory Offer of 14m at 0% Balance Transfer Offer of 14m at 0% (2.9% fee) Rewards Offered    Apply Today Worth Knowing Offers 0% interest on purchases for 14 months from account opening, as well as 0% interest on balance transfers for 14 months (2.9% handling fee applies). Earn rewards automatically with Barclaycard Freedom. Representative Example Representative example: Representative APR 18.9% APR (variable) Purchase rate p.a. 18.9% p.a. (variable) Assumed credit limit £1,200
Typical Personal Loan	Based on the average credit score in this postcode, we've matched the following Personal Loan as being most likely to say yes.
	AA Personal Loan - 5.6% APR Representative No Arrangement Fee Loans from £7,500 to £14,950 Terms from 12 mths to 84 mths    Apply Today Worth Knowing Get a decision in minutes, and a very competitive rate of 5.6% APR Typical on loans between £7,500 and £14,950. Spread payments over 1 to 7 years with no arrangement fee. Loans are provided by The Co-operative bank. Representative Example £7500 over 60 months at a fixed interest rate of 5.56% per annum would result in a representative APR of 5.6% APR, monthly repayments of £143.77 and a total amount payable of £8587.47.

Affluence Rating of NG9 5HA

Credit scoring measures the probability of a person being able to keep payments up to date on a credit facility.  In contrast, the Affluence Rating is a measure of how much money someone has, which is an entirely different thing. It is possible to have a great credit score but a poor Affluence Rating, and vice versa, although the two are far more likely to run hand in hand with each other.

Affluence	Residents in NG9 5HA have a higher than average affluence rating, indicating higher levels of income and lower levels of financial commitments. Typically these may include DINKY (dual income no kids yet) or 'Empty nesters' - where children have grown up and left home.
Newspaper Readership	Newspaper readership is linked with overall income and wealth. This is controversial because newspapers are not the only source of news and some papers attract a wide range of readers, but the correlation is nevertheless a strong one.
Number of Investors	The term 'investors' in this category relates to ownership of stock exchange quoted shares. The number of investors in an area reflects a higher than average level of disposable income and a better than average ability to save money.
Financial Risk	'Financial risk' is taken principally from the number of court judgments or decrees in any postcode. This is used as a negative measure of affluence as not all assets may be available to the apparent owner.
Car Ownership	One of the least reliable indicators of affluence, because cars may be leased rather than owned. If leased - for example a 'company car', car ownership can still give a measure of underlying income.
Property Ownership	Property ownership is one of the most popular ways of storing wealth and is usually the largest asset available to any individual. This measure is a strong indicator of affluence.

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