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Welcome to our blog

Saving: The Basics

Everyone can benefit from having some spare cash stored away for an emergency. Putting a little bit of money into a seperate account whenever you can is the simplest form of savings.

Your questions about FriendlyScore answered

FriendlyScore is revolutionising the way credit scoring is carried out, and while we’re not going to reveal all the secrets of our clever algorithm, we want to explain a little bit about how and why we calculate your score using your data.

What is the loan-to-value on your mortgage and why does it matter?

If you’re looking to purchase a property in the UK, then chances are the first thing you’ve thought about is getting a deposit together. The days of being able to purchase a home without having to put down a deposit are long gone, with typical deposits now coming to tens of thousands of pounds.

Peer-to-peer loans vs borrowing from a bank

There are plenty of different reasons you might want to take out a personal loan. Perhaps you have some home improvements in mind, or you’re looking to purchase a new kitchen or car.

Cashback and reward cards: how to get something back when you spend

There are many different types of credit cards, and they all serve slightly different purposes. A card that offers 0% interest on purchases is useful if you have a lot of big spending on the horizon, as you can pay the balance off in stages without being charged any interest. Similarly, a 0% balance transfer credit card is worth a look if you have already built up a large outstanding balance on a card and want to cut the cost of paying it off gradually.

Which ISA is right for you?

The ISA - or Individual Savings Account - is perhaps the UK’s favourite form of savings deal. In the 2017-18 tax year, savers subscribed to around 10.8m ISA accounts according to figures from HM Revenue & Customs (HMRC).

Is It Possible To Live Without Credit?

The idea of living without credit (or no debt), is very appealing. Imagine having no monthly repayments and only spending what you earn? But how realistic is it really to live in the 21st century without any credit?

How does health insurance work?

Private health insurance is designed to offer medical treatment, surgery and tests alongside the services that the NHS offers.

How a money transfer credit card works

A money transfer card allows you to move money into your current account from a credit card. It’s a popular way of paying off existing debt or borrowing money for a large purchase. Many people compare them to balance transfers but there are lots differences you need to know about.

How a purchase credit card works

Credit cards are traditionally used for buying goods or services online or on the high street. Each month, you must pay a minimum amount of your balance and if you don’t clear your balance, interest will be charged.