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Welcome to our blog

Should you remortgage to pay off debt?

If you’re struggling with debt, remortgaging could help you pay off existing loans, but it’ll probably cost you a lot more in the long run. Before you do anything, get free, confidential advice from a debt advice service to see where you stand and what your options are.

How and why you should open a savings account

After the Bank of England increased the base rate to 0.75% in August 2018, a number of high-street banks started to increase their savings rates, meaning it’s a better time to open a savings account now than it has been for several years.

How to protect your home in winter and save money

With energy costs always on the up, Britain’s households face a battle to stay warm every winter. But rather than turn your radiators up to the max, here are 8 ways you can stay toasty without shelling out too much.

How to get a loan if you are unemployed

When you want to take out a loan, banks and providers will look at how much you earn and your past borrowing habits to decide how likely you are to meet repayments and pay the loan back. The better your credit score and financial situation, the better loan interest rate you’ll be offered.

The truth behind 0% car finance

If you’re thinking of buying a car, you’ve probably come across 0% finance deals. But what are they and is it all a bit too good to be true? Before signing up for any finance, it’s important to research every deal and make sure you’re equipped with the correct knowledge.

Can I apply for credit if there's a default notice on my credit history?

If you’re struggling to pay off debt, you may have been issued a default notice by a lender. These appear on your credit file and usually happen if you’ve been unable to make your repayments or you’re making them late on a regular basis. Here we look at what you can do if you have a default and what kind of credit you might be able to apply for with one.

How a joint mortgage affects your finances

A joint mortgage is a loan taken out by two people who want to buy a property together. Everyone named on the mortgage is responsible for repayments, but you can choose how you share the equity.

How to get your first credit card

Credit cards work in the same way as debit cards but the money doesn’t come directly out of your bank account. Instead, you’re allocated a set amount of funds within your credit card account - known as your credit line - which you can spend as you wish.

What are the different credit score ranges?

There are currently three credit reference agencies in the UK - TransUnion, Experian, and Equifax. All three use various methods to calculate your credit score, meaning there isn’t a universal credit score.

Everything you need to know about student loan interest rates

The date you start repaying your student loan and how you’ll have to pay depends on which repayment plan you’re on and the interest rate. The amount you repay changes in April every year and you’ll also stop repaying if your income drops below a certain amount.

How do payday loans work?

Payday loans are short-term loans designed to help people until their next payday. The money is paid directly into your bank account and you repay the money in full with charges and interest at the end of the month.

How to find the best personal loan for you

Personal loans can be taken out for any number of things, be it a wedding, new car or home improvements. There are lots of different rates on offer, and before you apply it’s worth taking a look at your finances to see how much taking a loan out will cost you, and how long it’ll take before you can pay it back. Here are five steps to finding the best personal loan for you.

How to save money on car maintenance

If you’ve got a car and it needs a repair, it can be extremely frustrating to be told that the cost of fixing it could amount to hundreds of pounds. But there are loads of things you can do to prevent problems arising in the first place, as well as others which can stop costly car maintenance fees from spiralling. Here are five…

What NOT to do if you're new to the UK

Moving to a new country is hard and things can be confusing unless you have help. That’s why we wanted to help you if you’ve recently moved to the UK. The list of do’s and don’ts could go on forever but here are some simple yet important things that you should try to avoid if you’re new to the UK as they could make life even more difficult for you.