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Caroline Ramsey

Caroline Ramsey

Caroline Ramsey is a content creator who specialises in personal finance. More than a decade of working in editorial teams, she offers highly tailored content covering a number of topics.

Caroline's picks

What is APR? Everything you Need to Know

APR, which stands for annual percentage rate, shows how much it will cost you to borrow, once you take into account the interest rate and any fees. Read on to find out how it works and how it can help you.
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Can I Open a Bank Account for my Child?

Opening a bank account for your child can mark a huge milestone in their financial education. Current accounts for kids are available for those aged 11 and above and, in many ways, mirror a full adult bank account, making them perfect for teaching your child about money and responsibility.
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How to Avoid an Early Repayment Charge

If you leave your mortgage deal early or pay it off ahead of time, your lender may charge you a hefty penalty fee. Here’s when mortgage early repayment charges may apply and how you could work around them.
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The latest from Caroline

What happens at the end of my balance transfer period?

If you are coming to the end of your interest-free balance transfer period on your credit card, use our useful guide to help you decide what your next move should be.
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How to Choose a Credit Card

Want to get a credit card but don’t know where to start? Read our guide to find out how to choose the credit card that’s right for you.
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Should I Get a Credit Card?

It’s not essential to have a credit card but, when used responsibly, they can be a useful way to borrow money. Read on to find out when you may want to get a credit card and when it may not be a good idea.
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What Is A Black Credit Card?

Ever wondered about the mysterious world of black credit cards? Who can get them and what perks do they offer? We take a look at this exclusive club and reveal the secret benefits that only the rich and famous can enjoy.
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Can I Switch Bank Accounts if I’m in my Overdraft?

Many people are keen to switch their bank accounts for the cash benefits that are available to new customers. However, what happens if you’re in your overdraft? Our guide will help you find out how you can switch bank accounts.
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What is a Prepaid Bank Account?

Prepaid bank accounts, or no credit check bank accounts, offer a lifeline to those who have been turned down for a regular bank account due to poor credit history. We look at what these accounts offer, alongside the advantages and disadvantages of opening one.
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Can I Open a Bank Account for my Child?

Opening a bank account for your child can mark a huge milestone in their financial education. Current accounts for kids are available for those aged 11 and above and, in many ways, mirror a full adult bank account, making them perfect for teaching your child about money and responsibility.
Read more

Broken Down Car: What Should I Do, What are the Rules?

When your car breaks down, you should pull over on the left of the road, switch on your hazard warning lights, and follow the rules to stay safe until help arrives. If you break down on a motorway there are extra rules you need to observe.
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What to do if your insurance claim is rejected

If your insurance claim is rejected, all is not lost. There are a number of steps you can take to try to secure a payout if you think your insurer has made an unfair decision.
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How To Get a Mortgage With No Deposit

First time buyers often find it difficult to raise the capital for a mortgage deposit. Whether it’s due to salary constraints or debt, many still ask whether it’s possible to get a mortgage without a deposit at all. Perhaps surprisingly, there might be some options.
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Secured and Unsecured Loans: What’s the Difference?

Secured loans require you to put forward some form of security, or collateral, but unsecured loans don’t need to be backed by any asset. From interest rates to how much you can borrow, find out more about the key differences between these two types of loan.
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Using a Mortgage Adviser vs Going Direct to a Lender

Choosing a mortgage can be a daunting task and many seek help from a mortgage adviser. We cover the advantages of using a mortgage adviser versus going directly to a lender to help you decide on the best route forward.
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What is APR? Everything you Need to Know

APR, which stands for annual percentage rate, shows how much it will cost you to borrow, once you take into account the interest rate and any fees. Read on to find out how it works and how it can help you.
Read more

How to Avoid an Early Repayment Charge

If you leave your mortgage deal early or pay it off ahead of time, your lender may charge you a hefty penalty fee. Here’s when mortgage early repayment charges may apply and how you could work around them.
Read more

Expanding your business: what are your funding options?

From small business loans, to overdrafts and commercial mortgages – there are plenty of funding options available for businesses seeking to finance their expansion. Take the time to research your options and identify the best form of growth finance for your company.
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