Laura Whateley

Laura Whateley

Ethical investing is an investment approach where you select investments based on ethical principles. Learn five things about ethical investing including how you define ethical and how to spot greenwashing.

Laura Whateley

Credit bureaus define "good credit" differently: it's 881-960 for Experian; 531-670 for Equifax; and 605-627 for TransUnion. If you have good credit, you can afford to shop around and compare the best rates for personal loans.

Laura Whateley & Rhiannon Philps

A credit builder loan helps those with poor credit scores or limited credit history to demonstrate creditworthiness. Borrowers agree to fixed monthly payments, which helps build up their score, as long as they repay the loan in full.

Laura Whateley & Rhiannon Philps

If you have a fair or average credit score, you can still access a range of loans and credit options. However, you may find you face higher interest rates than someone with an excellent credit history.

Laura Whateley & Rhiannon Philps

Your credit score is important for lots of reasons, not least because it can help lenders decide whether to approve your loan application. There is no single credit score that will guarantee you get a loan, but a better score can improve your chances of approval.

Laura Whateley

Bankruptcy is a legal tool to resolve overwhelming debt. When you declare bankruptcy, the court will use your assets to help clear the debt you owe on your behalf, ending your relationships with your creditors.

Laura Whateley

With the debt snowball, you pay off debts in order from smallest to largest. With the debt avalanche, you direct extra cash toward the debt with the highest interest rate.

Laura Whateley & Brean Horne

Understanding the main types of debt can help you find the best way to borrow and make repayments. Read on to find out how each type of debt works and whether it could be right for you.

Laura Whateley & Brean Horne

Debt is created when you borrow money from a business or person. You’ll usually have to repay the money you owe plus interest to the lender. Having debt isn’t always bad as long as it’s managed well. Read on to find out exactly what debt is and how it affects your finances.

Laura Whateley

ESG investing is where you take into consideration a company’s environmental, social and governance stance when deciding where to put your money. In this article we cover what ESG is, why it matters and how investments can meet certain ESG criteria.

Laura Whateley

Ethical money solutions help us do some good for the planet with our everyday finances. Read on to learn more about ethical financial solutions including ethical current accounts, savings accounts and ISAs, mortgages and green energy tariffs.

Laura Whateley

Ethical and sustainable investing is when you align your moral priorities with the investment choices you make. Here we discuss how to cut through the jargon, so that you can understand the differences between “ethical” and “sustainable” investments and how to invest ethically.

Laura Whateley & Holly Bennett

A beneficiary is someone, or several people, who you want to leave your financial and physical assets to when you die. Learn more about beneficiaries and how they are different from executors and trustees.

Laura Whateley & Holly Bennett

Power of attorney gives legal permission for another person to make decisions about your finances or health if one day you can’t. Learn how it works, and how to produce and register the paperwork.

Laura Whateley & Holly Bennett

A will explains how you want loved ones to inherit your money, property and belongings when you die. It doesn’t have to be expensive or lengthy to be legally binding – in fact, it’s possible to make a will yourself, provided it has been correctly witnessed and your affairs are not complex.

Laura Whateley & Holly Bennett

Estate planning helps you to arrange how to leave your money, property and possessions to your loved ones when you die. From writing a will to minimising inheritance tax, here are the building blocks of an efficient estate plan.

Laura Whateley & Kristina Fox

A student maintenance loan can help you pay your living expenses while you study.

Laura Whateley & Kristina Fox

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

Laura Whateley

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

Laura Whateley

Your student loan repayments are tied to earnings after university, and many graduates will never have to repay their loans in full.

Laura Whateley

First-time home buyers don't have to pay fees to an estate agent, but there are other professionals you will have to work with.

Laura Whateley

Worries about a market downturn shouldn't steer your decision. Instead, focus on why you want to buy and different matters of timing.

Laura Whateley & Brean Horne

Buying a house can seem like a complicated process but our 9 step guide is here to help. Whether you’re a first-time buyer or need a refresher for your next property, read on to find out the stages involved in buying a house.