Insurance

5 min readHow can I lower my car insurance at renewal?Ways to bring down a car insurance renewal quote: when to compare, which details affect the price, excess and add-ons, and what the 2022 renewal pricing rules mean.6 min readDo I need buildings insurance, contents insurance or both?The difference between buildings and contents insurance, who usually needs each one, and how to set a rebuild cost and contents value that won't leave you under-insured.5 min readWhich van insurance class of use do I need?The four main van insurance classes of use — social, commuting, carriage of own goods, and haulage or hire and reward — and how to choose the one that matches your work.7 min readWhat is income protection insurance?How the cover works, what it costs, and the definitions that decide a claim.6 min readIncome protection vs critical illness coverHow the two differ, and which gap each one fills.6 min readHow much income protection do I need?Set the benefit and deferment period from your own outgoings and sick pay.7 min readTypes of life insurance in the UKLevel term, decreasing term, whole of life and more — what each one is for.6 min readHow much life insurance do I need?Work out a cover amount from your debts, income and dependants.6 min readWriting life insurance in trustWhy it matters for speed of payout and inheritance tax, and how it's done.

Travel

5 min readDo I need travel insurance for Europe if I have a GHIC?What the Global Health Insurance Card does and doesn't cover in Europe, and why the UK government advises travelling with both a GHIC and travel insurance.

Broadband & mobile

5 min readHow do I switch broadband provider?How switching broadband works in the UK: the One Touch Switch process, early exit fees, keeping your landline number and comparing speeds and price rises.

Energy

5 min readIs a fixed energy tariff worth it?How fixed and variable energy tariffs work, how the Ofgem price cap fits in, and the exit fees, timing and trade-offs to weigh before you fix.

Money

5 min readHow does a balance transfer credit card work?How balance transfer credit cards work in the UK: 0% periods, transfer fees, what happens if you miss a payment, and checking eligibility before you apply.

Loans

7 min readWhat is a secured loan?How secured loans work, what they're used for, and the risks of borrowing against your home.5 min readSecured vs unsecured loans: what's the difference?A side-by-side comparison of secured and unsecured borrowing — amounts, risks, and how to choose.6 min readSecured loan vs remortgage: which is right for you?Speed, cost, fees and the impact on your existing mortgage, with worked examples.5 min readHow much can I borrow on a secured loan?Loan-to-value limits, equity calculations and affordability, with worked examples.7 min readDebt consolidation loans UK — complete guideSecured vs unsecured options, the pros and cons of consolidating, and free debt help.

Mortgages

7 min readFirst-time buyer mortgages in the UKDeposits, income multiples, Shared Ownership and the schemes that can help you buy your first home.6 min readWhat is a remortgage?Product transfer vs a new lender, early repayment charges and when to start looking.6 min readHow much can I borrow on a mortgage?Income multiples, affordability checks and stress tests, with illustrative examples.

Bridging

7 min readWhat is bridging finance?How short-term secured lending works in the UK — costs, regulation and exit strategies.6 min readBridging loan exit strategies explainedEvery bridging loan needs a credible exit. The main routes: sale, refinance, refurb-and-sell.

Equity release

8 min readWhat is equity release?Lifetime mortgages and home reversion plans explained — eligibility, costs and risks.7 min readEquity release costs and feesThe costs to expect and how compound interest grows the balance over time.7 min readLifetime mortgage vs retirement interest-only mortgageTwo later-life borrowing options compared: repayments, cost and what happens to the balance.