The Beginner's Guide To Personal Loans

A loan may seem like a simple product: you borrow an agreed amount from the bank and pay it back - plus interest - over time. But lending money can be a risky business, and there are pitfalls which we should all try to avoid. It's also important to ensure you find the best deal available to save you money in the long run.

Banking

The Beginner's Guide To Car Loans

Few of us can comfortably afford to pay the full cost of a new car without needing to tap into some additional funds. But before you get into borrowing money through car loans for your motor, it's vital that you understand precisely what you're signing up to!

Banking

How To Get A Free Credit Report And What To Do With It

A credit report is a detailed report of an individual's credit history. Credit rating agencies collect information and create credit reports based on that information, and lenders use the reports along with other details to determine an applicants' creditworthiness for a loan, mortgage or credit card. Banks and other lenders use the services of the 3 main UK credit agencies - Experian, Call-Credit and Equifax. Here we review the various options for getting a free credit report & discuss what to do if your credit score is poor.

Banking

A Guide To Secured Loans

If you are unsure what a secured loan is, this guide will answer your questions about this type of borrowing and the advantages and disadvantages of it. A secured loan is money that is borrowed against your home; therefore, you must be a homeowner to take out a secured loan. These loans are becoming a more popular way to borrow a large sum, especially if you have an impaired credit rating, as they are less risky for the lender.

Banking

A Guide To PPI Claims - Time Is Running Out.

Time is running out for consumers to make PPI compensation claims. If you feel you may have a valid claim you should start the process now. New rules may stop you from claiming mis-sold PPI. This guide helps you determine the validity of your PPI claims.

Banking

A Guide To Junior/Child ISAs

A junior or child ISA is a tax-free saving or investment account that allows under-18s to save up to £4,260 in the current tax year (2018/19). The lump sum saved then remains tax-free until their 18th birthday, when it can be converted into an adult ISA or withdrawn.

Banking

A Guide to Car Finance and Where to Find Great Deals

Don’t put off buying a car because you're afraid of the car finance maze. Instead, get in the driving seat and secure the best possible deal.

Banking

A Guide to Buy-to-Let Mortgages

Opting for a buy-to-let mortgage is a serious financial commitment, which is why you cannot afford

Banking

Fixed Rate vs Tracker & Variable Mortgages: Which Is Best For You?

Generally the old adage ‘safe as houses’ still holds. Houses and the land they stand on are material assets - even if their nominal market value declines the value of houses and land as houses and land remains a constant. At a time when bank savings generally return a negative interest in real terms and

Banking

Earn £5,000 A Year By Stoozing Your Credit Cards

The word “stoozing” will probably bring back memories for many people who were taking out credit cards ten to fifteen years ago. It was a peculiar phenomenon where, by borrowing money from one institution before depositing it with another with a higher rate of interest, they could basically make money for nothing. So, is stoozing still possible today?

Banking