The latest from Tim
How to Use a Prepaid Travel Card
A prepaid travel card lets you load money onto it before you set off, and then you use it to pay for things while you're abroad.
Prepaid Cards: How to Compare and Apply
Prepaid cards are a type of payment card that you can use online or instore. Before you spend you need to load the card with cash, which means you can’t…
Money Transfer Credit Card
You can transfer cash straight into your bank account with a money transfer credit card, making it a useful way to clear an expensive overdraft or access a short-term loan.…
Difference Between Credit Cards and Charge Cards
The key difference is credit cards let you carry a balance from month to month, while charge cards require you to repay in full each month.
Compare Credit Cards for Bad Credit
Some lenders offer credit cards for bad credit. These can be a useful way to spread the cost of a large purchase, and may even help you to rebuild your…
Compare Credit Builder Credit Cards
Credit builder credit cards are designed to show lenders that you can manage debt responsibly – increasing your credit score in the process. You may be eligible even if you…
Personal Guarantees Explained
Providing a personal guarantee for business borrowing (such as a business loan or business credit card) can allow smaller business owners to secure credit that might otherwise be out of…
Do I Need an Accountant for My Small Business?
An accountant could help your small business with various things like filing your annual tax return and managing your payroll – especially if you haven’t been trading for long or…
Differences Between Debit and Credit Explained
Debit lets you use and access money you already have. Credit lets you borrow money that you'll later pay back.
Credit Card Charges and Fees Demystified
Credit card charges that might show up on your statement include fees from travelling abroad, cash withdrawals, or paying your interest and balance late.
Loans to Buy a Business: Guide, Pros and Cons
Business loans aren’t just for building from the ground up. If you have experience operating a profitable business, securing a loan to buy a business might be an option for…
Fixed or Variable Mortgage: Which is Right for You?
The main difference between a fixed and variable mortgage is that your mortgage rate stays the same for a set period with a fixed-rate mortgage, while with a variable rate…
No Deposit Mortgages: Getting a 100% Mortgage Without a Deposit
A no deposit mortgage may be an option if you’re struggling to raise the deposit for a home, though you’ll probably need a family member or friend to be your…
Interest Only Mortgages
With an interest only mortgage you’ll only pay off the mortgage interest each month, but none of the original loan.
How Much Deposit Do You Need for a House?
A deposit of 5% is usually the minimum needed to get a mortgage to buy a home, but saving a larger deposit can help you secure a lower mortgage rate.