Caroline Ramsey

Caroline Ramsey

If you’re thinking of taking out a personal loan, you may be wondering whether it’s worth using the services of a loan broker. Here, we look at the reasons brokers can be useful and why you may prefer to do the leg work yourself.

Caroline Ramsey & Tim Leonard

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.

Caroline Ramsey & Kristina Fox

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.

Caroline Ramsey

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.

Caroline Ramsey

Moving your debt to a 0% interest balance transfer credit card can help you to repay it cheaply. However, you need to play by the rules. Here, we provide a simple guide to balance transfer deals to help you decide whether they are right for you.

Caroline Ramsey

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.

Caroline Ramsey

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.

Caroline Ramsey

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. Here we take a look at what these accounts offer, alongside the advantages and disadvantages of opening a prepaid account.

Caroline Ramsey

Packaged bank accounts charge a monthly fee for a number of added ‘extras’, but many find that these extras are not worth the monthly cost. Here’s a useful guide to these accounts to help you decide whether packaged accounts are right for you.

Caroline Ramsey

It’s a great idea to get your children used to using bank cards to help them manage their money. However, there are a lot of options. Our guide helps you to find the right kind of card and mobile app to boost your child’s financial know-how.

Caroline Ramsey & Connor Campbell

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.

Caroline Ramsey & Rhiannon Philps

European breakdown cover ensures you have protection if you break down while abroad. You can choose from single-trip or annual policies, depending on how often you drive on the continent.

Caroline Ramsey

Parts of your car can suffer and deteriorate in the wet and cold of the winter months. But by following these steps to prepare your car for winter, including tyre checks and topping up coolant, you can help to reduce the risk of breaking down.

Sarah Bridge & Caroline Ramsey

Almost anyone can be a guarantor for a loan, such as a partner, friend or relative, so long as they are over 21 and have a good credit history. But being a guarantor for a loan is a big decision. Before agreeing to take on this role you should know exactly what you will be required to do.

Caroline Ramsey & Rhiannon Philps

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.

Caroline Ramsey & Holly Bennett

Making mortgage overpayments can help you save money in interest and be mortgage-free sooner. But first you will need to be clear about your lender’s limits and be confident that overpaying your mortgage is right for you.

Caroline Ramsey & Holly Bennett

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.

Caroline Ramsey

Late payments are a national phenomenon that affect small and medium sized businesses in particular. Here’s everything you need to know about the troubling trend including how you can protect your business from late payment problems.

Caroline Ramsey

More and more van drivers are deciding to install dash cams to help protect them when they’re out and about. But can they save you money on your van insurance? We’ve investigated this further.

Caroline Ramsey & Rhiannon Philps

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.

Caroline Ramsey

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.

Caroline Ramsey

Are you considering taking out a personal loan? Perhaps you need to finance renovations at home, or you’re helping a child through university. Make sure you know exactly what type of finance you’re looking for with this guide to choosing a loan.

Caroline Ramsey

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. Surprisingly, there are still some options.

Caroline Ramsey & Rhiannon Philps & Joel Kempson

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.

Caroline Ramsey

The idea of choosing the best option for your future 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.

Caroline Ramsey

With plenty of alternative options on offer, might it be time to turn your back on the big high street banks for your business banking needs?

Caroline Ramsey & Rhiannon Philps

If your business has a bad credit rating, lenders may view you as a greater risk. This can make it more difficult for you to get accepted for a loan, but not impossible. There are several business finance options to consider if you have bad credit.

Caroline Ramsey

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.

Caroline Ramsey & Hannah Harper & Brean Horne

If your company needs a cash boost, a credit card is certainly an option. But it’s good to keep in mind there are many types of specialist business loans out there that could offer you a great alternative way to fund your business.

Caroline Ramsey

The continued rise of automation comes with many advantages and disadvantages. We explore the issues to help you decide if automation is the right choice for your business.

Caroline Ramsey

Accountancy software has proven to be a lifesaver for many companies, but is it a genuine alternative to working with a professional accountant? And more importantly, is it right for your business?