Types of Loan
Different loan types and their specific uses for various financial situations. Articles explain mortgages, credit cards, secured loans and consolidation options.
Borrowing Solutions That Won't Break the Bank
If your credit isn't perfect, credit unions and alternative lenders can offer cheaper borrowing options than traditional banks.
Buy to Let Loans
Buy to let mortgages can generate rental income, but rising interest rates and higher costs mean you need to check the numbers carefully before investing.
Considerations When Taking Unsecured Loans
Before taking an unsecured loan, understand how APR and credit ratings affect your costs and what terms actually fit your budget.
Credit Union Loans and How They Work
Credit unions pool members' savings to offer affordable loans with flexible terms that banks often reject, plus annual dividends and free life insurance.
FAQ: How to Use Short Term Loans Sensibly
Get answers about short term loans, including when they make sense and how to find the best deals without overpaying interest.
Finding the Right Credit Card
Choosing the right credit card means comparing APR rates, introductory offers, and balance transfer options to match your financial situation.
Flexible Loans and More Financial Freedom
Flexible loans let you pay back on your own schedule without penalties, but interest keeps building until it's fully repaid.
Loans by Text: Pros and Cons
Text loans offer quick cash but come with higher interest rates and strict eligibility rules you should know about.
Long Term Loans and Debt Considerations
Weigh the pros and cons of long term loans, including lower monthly payments against paying more interest overall and committing to years of repayment.
Mortgage Loans for First Time Buyers
First-time homebuyers can choose from several mortgage types, though 100% mortgages are now harder to find and come with higher interest rates.
Overdrafts Are Loans Too
Overdrafts are loans that come with interest charges and penalties, so treat them like debt, not a safety net.
Secured Loans and Your Property
Secured loans let you borrow at better rates by putting your property on the line, so make sure you can actually afford the payments.
The Pitfalls of Credit Card Loans
Watch out for hidden fees and high interest rates when using credit cards as loan alternatives.
The Right Personal Loan for You
Compare personal loans from banks, online lenders and supermarkets to find the best rates and terms for your needs.
When to Take Out a Bridging Loan
Bridging loans are expensive but can help you buy a new home before selling your current one.
When to Use Consolidation Loans
Consolidation loans combine multiple debts into one payment, but timing matters to avoid high interest rates and credit damage.
Will Lower Interest Rates Lead to Cheaper Loans?
Lower base rates don't mean cheaper personal loans—banks are charging 7.9% to 10.9% APR despite the cuts.
Your Borrowing Questions Answered
Get honest answers about loans, store cards, and debt repayment to make smarter borrowing decisions.