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; 420-465 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

A credit builder loan helps those with poor credit scores or limited credit history demonstrate creditworthiness. Borrowers agree to fixed monthly payments and receive the money once the loan is repaid. Think of a credit builder loan as a savings account that's reported to a credit reference agency.

Laura Whateley

Credit bureaus define “fair credit” differently: it’s 721-880 for Experian; 380-419 for Equifax; and 566-603 for TransUnion. If you have fair or average credit, your options are limited but you can still find a great personal loan deal.

Laura Whateley

Whether you have excellent credit, fair credit, or limited credit history, applying for a loan can be nerve-wracking. Fortunately, you can learn how lenders determine loan eligibility, giving you insight into which loans you might qualify for before applying.

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

There are two types of debt: secured and unsecured. How best to handle it depends on the type of debt you have.

Laura Whateley

Debt is money owed by one party to another. If you repay your debts, you can continue to borrow - and will likely be able to borrow more.

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

Power of attorney is legal permission that another person can take control of your private affairs when you are no longer able to do so. Learn how it can impact your financial and personal affairs and how to register and change your power of attorney.

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

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

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

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

From first figuring out how much you can afford, to working with lenders and solicitors, the road to buying a home can be long but fruitful.