|Guides

What causes a bad credit history and rating? Some things that damage your credit rating are more well known than others, such as missed or late…

What Charges Can You Face? Aside from the interest charges you pay if you don't clear your balance in full each month there are two fees that you may…

Why You Should Use a Credit Card Abroad There is simply no better way to spend when you are abroad than with a credit card. Here are five reasons why…

What is a Fixed-Rate Mortgage? A fixed-rate mortgages are simply a mortgage where the interest rate stays the same for a set period, usually between…

What is a Tracker Mortgage? The interest rate on a tracker mortgage is pegged to the Bank of England base rate. So, when the base rate moves so will…

Personal Loans Personal loans are usually offered by the larger banks. You can use them to borrow between £1,000 to £25,000. They tend to have…

What is a Bad Credit Loan? Bad credit loans is a catch-all term for a wide range of loans aimed at people who have a poor credit history and may…

What is a Homeowner Loan? A homeowner loan offers a way of borrowing large sums, typically between £3,000 and £100,000. It is only available to…

What is an Unsecured Loan? Unsecured loans offer a way of borrowing between £1,000 and £25,000 over a period of one to seven years. You make the same…

Why Do I Need a Deposit? Before the credit crunch in 2007, banks would regularly hand out mortgages to people with no savings. These loans were worth…

What is a Low Deposit Mortgage? A low-deposit mortgage is designed for people who only have a relatively small amount of money but want to get on, or…

Which is Cheaper for You? With mortgage rates low and rents high, Halifax reckons it is now 16% cheaper to buy than rent a home. It has calculated…

Credit card fraud is a booming business. Thieves helped themselves to £388 million of other people's credit in 2012 alone. Fraudsters use a variety of…

What is a Money Transfer Card? If you’re paying a high interest rate on loans or overdrafts, a money transfer credit card can eliminate your interest…

Read on to find out everything you need to know to get the best possible credit rating and improve your credit score. Before You Start Many of the…

With the average first time buyer needing at least a £16,000 deposit, it’s not surprising many of us buy with help from our parents. But the…

Discount mortgages lure borrowers in with tantalising low interest rates, but they have a sting in the tale.You could save a fortune in interest…

Section 75 gives you extra protection for any £100+ purchase (up to £30,000) and can save you thousands if something goes wrong. Read our guide and…

What is a Mortgage? A mortgage is a long-term loan taken out to buy property or land. You repay the loan plus interest over a period of anything up to…

Offset mortgages are a great way to shave years off the length of your mortgage. By simply using your savings to reduce the amount of interest you pay…