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28 results for “borrowing”

• ARTICLE

  What Is Remortgaging and When to Do It?

  Remortgaging is one of those financial moves that many homeowners eventually consider, yet often later than would have been ideal, frequently defaulting onto a lender's standard variable rate simply through…

  
• ARTICLE

  Payday Loans: Why They’re So Risky to Use

  Payday loans are marketed around speed and convenience: quick access to cash, often within minutes, to cover an unexpected cost until your next payday. What's less prominently featured is just…

  
• ARTICLE

  How Buy-to-Let Mortgages Work for Landlords

  Buy-to-let mortgages operate under genuinely different rules to standard residential mortgages, reflecting their specific purpose: purchasing property to rent out rather than to live in yourself. Understanding these differences properly,…

  
• ARTICLE

  How Guarantor Loans Work and Their Risks

  Guarantor loans occupy a specific niche in UK lending, designed for borrowers who might not qualify for a standard unsecured loan due to a limited or poor credit history.

  
• ARTICLE

  Secured vs Unsecured Loans: Key Differences

  The distinction between secured and unsecured loans carries genuinely significant implications, particularly around what's at risk if repayments aren't maintained. While secured loans can offer access to larger

  
• ARTICLE

  How to Stop Living Paycheque to Paycheque

  Living paycheque to paycheque is more common than most people assume, and it isn't necessarily a reflection of how much someone earns. People across a wide range of income levels…

  
• ARTICLE

  How Overdraft Work and When to Avoid Them

  Here's what's actually happening when you dip into an overdraft, what it costs, and how to tell the difference between a helpful buffer and a costly habit.

  
• ARTICLE

  First-Time Buyer’s Guide to Getting a Mortgage

  Getting your first mortgage involves navigating a process that can feel genuinely overwhelming, filled with unfamiliar terminology, multiple stages, and considerable paperwork. Understanding exactly what to expect

  
• ARTICLE

  Sole Trader vs Limited Company: Which Is Better?

  There's no universally "better" option between sole trader vs limited company status. What matters is matching the structure to your actual profit level, liability exposure, and willingness to take on…

  
• ARTICLE

  Personal Loans Explained: How They Really Work

  Understanding exactly how personal loans work helps you borrow more confidently, and avoid a few common, costly mistakes. If you're weighing this up, our guides on improving your chances of…

  
• ARTICLE

  How to Build an Emergency Fund From Scratch

  An emergency fund is one of those pieces of financial advice that gets mentioned constantly, yet often without much practical guidance on how to actually build one, particularly if you're…

  
• ARTICLE

  How to Choose the Right Bank Account for You

  How to Choose the Right Bank Account? The right bank account depends on how you use money day to day. If you're paid a salary and pay bills monthly, a…

  
• ARTICLE

  Personal Loans vs Credit Cards: Which Is Cheaper for UK Borrowers?

  When you're weighing up personal loans vs credit cards for UK borrowers, the honest answer is that neither one is universally cheaper — it genuinely depends on how much you're…

  
• ARTICLE

  Remortgaging Guide: When, Why and How to Switch Your Deal

  If your remortgaging question right now is somewhere between "I know I should probably do something" and "I'm not sure where to start," you're in good company — around 1.8…

  
• ARTICLE

  How Your Credit Score Affects the Interest Rate You’re Offered (And How to Improve It)

  Understanding how your credit score affects the interest rate you're offered is one of those pieces of financial knowledge that quietly saves — or costs — UK borrowers

  
• ARTICLE

  First-Time Buyer Guide: How to Get on the Property Ladder

  In the UK, you're legally classified as a first-time buyer if you have never previously owned a residential property, either in the UK or abroad.

  
• ARTICLE

  Buy-to-Let in 2026: Is It Still Worth It After the Rule Changes?

  If you're trying to work out whether buy-to-let in 2026 still makes sense, you're asking this question at a genuinely pivotal moment — and it's worth saying upfront that the…

  
• ARTICLE

  Will Getting a Credit Card Help My Credit?

  Always keep in mind that using a credit card involves borrowing money. Because the money was never yours, to begin with, it's not like using a debit card. You'll have…

  
• ARTICLE

  How a Personal Loan Works and When It Makes Sense

  A personal loan is one of the most straightforward forms of borrowing: a fixed amount, at a fixed rate, with a fixed monthly payment and a clear end date. This…

  
• ARTICLE

  What Is an Overdraft and When Is It Worth Using?

  Overdrafts sit in a strange position in personal finance: widely used, often misunderstood, and frequently more expensive than people realise. Understanding exactly how the interest works — and when an…

  
• ARTICLE

  What Is a Business Credit Score and Why Does It Matter?

  A business credit score rates your company's financial reliability, used by lenders, suppliers, and clients when deciding whether to extend credit or contracts. Key factors: payment history, Companies

  
• ARTICLE

  When Will Mortgage Rates Go Down in the UK?

  In recent years, homebuyers and homeowners in the UK have been closely monitoring the mortgage market, asking the crucial question: when will mortgage rates go down? This article will explore…

  
• ARTICLE

  Legal and General Property Fund: Overview, Investment Strategy and Performance

  The Legal and General Property Fund primarily invests in commercial properties such as offices, retail space, and industrial warehouses. The fund has a diversified portfolio of over 100 properties

  
• ARTICLE

  Understanding the Loan Market: What You Need to Know

  Explore the different types of loans available in the UK, from bank loans, P2P loans, short-term loans, and guarantor loans. Get expert advice on how to choose.

  
• ARTICLE

  Bank Rate Increase to 4% – What You Need to Know

  The Bank of England has raised the Bank Rate to 4%, resulting in potential impacts for borrowers and savers in the UK. Read our comprehensive guide to understand the implications…

  
• ARTICLE

  How to Improve Your Credit Score in the UK

  The factors UK lenders actually look at, and the practical steps that make the biggest difference.

  
• ARTICLE

  How Much Deposit Do You Need for a House in the UK?

  What 5%, 10% and 20% deposits mean for your rate, your monthly payment and the total cost of borrowing.

  
• CALCULATOR

  Mortgage Affordability Calculator

  Estimate a sensible borrowing range from household income.