Rebecca Goodman

Rebecca Goodman & Brean Horne

You can get a mortgage with bad credit but the deals on offer may be limited and more expensive. Find out how bad credit mortgages work and whether it’s worth applying for one.

Rebecca Goodman

Taking out a wedding loan is just one way you can fund your big day if you don’t have the money to pay for it all yourself.

Rebecca Goodman & Rhiannon Philps

Paying off a loan early can be a huge weight lifted from your shoulders, but there may be penalty fees and interest charges to pay.

Rebecca Goodman & Connor Campbell

Joint loans can be taken out for several reasons, from mortgages to overdrafts, and each person is fully liable for the debt being repaid. It is important to make sure that you are on the same page as the person you are borrowing with, and you have had an honest discussion about your finances.

Rebecca Goodman

Our NerdWallet research has discovered the cheapest car to run, that you could make savings of up to £76,420 over five years by switching to electric vehicles, and that fossil fuel cars lose their value much quicker than electric cars. Learn how popular cars stack up against electric vehicles.

Rebecca Goodman & Holly Bennett

Applying for a credit card is pretty straightforward when you know what to expect. These tips will help you get application-ready and understand the process that follows.

Rebecca Goodman

Contactless payments make daily transactions easier by allowing you to hover your card or device over the payment terminal. Here, we look at what a contact payment is, how contactless payments work, the current contactless payment limit, and the pros and cons of contactless payments.

Rebecca Goodman

Car cloning, or vehicle identity theft as it’s also known, is an illegal practice whereby a car is given new number plates to replicate a similar car, of the same make, model and colour. Here, we discuss what car cloning is and what to do if you have been a victim of vehicle identity theft.

Rebecca Goodman

Car-buying scams are constantly changing, with new scams being created by criminals all the time. Find out about the latest car-buying scams, what to look out for so you can protect yourself, and what to do if you have been a victim of a car scam.

Rebecca Goodman

To protect yourself when buying a used car there are a number of checks that you need to do before buying. Read on to learn how to spot car scams, what physical checks you should do, and what your rights are when buying a used car.

Rebecca Goodman

Once you have bought a car, you need to register it with the DVLA straightaway. Read on to learn how car registration works, how to register your car and what documents you need for the registration.

Rebecca Goodman

A county court judgment (CCJ) is issued if you’ve been unable to pay a debt back and while it can make it harder to take out loans in the future, it’s not impossible to get a mortgage with a CCJ.

Rebecca Goodman

Mortgage defaults occur when you fail to make a series of repayments on your mortgage. Not only can this have a severe impact on your credit rating and limit your potential to borrow in the future, but, in a worst-case scenario, it could cost you your home.

Rebecca Goodman

It’s possible but difficult. Your mortgage options will be limited after an Individual Voluntary Arrangement, debt management plan or bankruptcy.

Rebecca Goodman

Car finance is a popular way to pay for a new motor, but how do you decide if it is the right decision for you? We look at some points to help you work out if car finance is really worth it, or if an alternative might be better.

Rebecca Goodman

There are lots of ways to pay for a new car and they all work slightly differently. It can be confusing trying to decide which is best for you, so here we will look at the difference between buying with car finance or a bank loan.

Rebecca Goodman

Leasing a car can be a flexible way to drive a car and upgrade to different models every few years. However, you won’t ever be the owner of the car, unlike if you buy it outright. Read on to see if leasing or buying a car is most suitable for you.

Rebecca Goodman

You can buy a car outright, use finance to pay for it, take out a loan, or even lease one, but the best way to pay for your new set of wheels will depend on how much you can afford and the type of model you’re after.

Rebecca Goodman

Personal loans are often used for big ticket expenses such as a new car and can be one of the cheapest ways to borrow money.

Rebecca Goodman

If you want a new car but don’t have the cash to buy it outright, a personal loan is one way to pay for it.

Rebecca Goodman

Dreaming of a holiday in the sun? A personal loan could be one way to pay for your next trip.

Rebecca Goodman

If you receive child benefit, you may be able to apply for a loan to pay for a one-off cost or something unexpected.

Rebecca Goodman & Tim Leonard

It can be possible to get a loan if you have a disability or long-term illness and are receiving disability benefits, but the interest rates you’re asked to pay might be high. It’s usually best to explore all the options available first.

Rebecca Goodman

If you’re receiving benefits, this shouldn’t mean you’re not able to access car finance. Lenders will look at your overall income and individual situation to decide whether you can afford the car finance payments.

Rebecca Goodman

If you have a CCJ, car finance will be harder to find. However, lenders will look at your overall affordability, not just your credit score, and there are specialist options that could help you get finance to buy a car.

Rebecca Goodman

An IVA affects your credit score, so it can make it more difficult to get approved for car finance. Find out what impact an IVA could have on your car finance application and what you can do to improve your chances of approval.

Rebecca Goodman

Bad credit car finance can help those with poorer credit scores buy a car if they can’t pay for it upfront. Learn more about how to improve your chances of getting approved for car finance if you have a bad credit history.

Rebecca Goodman & Tim Leonard

It’s possible to get a loan while on benefits, but you could pay higher interest rates than on other types of loan. This makes it important to start considering other options from the government and credit unions.

Rebecca Goodman & Tim Leonard

If you’re claiming certain benefits but need help with covering an essential cost, you might be able to get a budgeting loan or budgeting advance from the Department for Work and Pensions. These interest-free loans are repaid by reducing the benefit payments that you receive going forward.

Rebecca Goodman

You may be due a guarantor loan refund if you were approved for one and a provider didn’t check your finances properly.

Rebecca Goodman & Rhiannon Philps

While there are many reasons why you may not get a loan, it’s important to understand why you’re being turned down before you make any other credit applications.

Rebecca Goodman

By choosing to refinance a loan, you could lower your interest payments and the length of the loan.

Rebecca Goodman

A fixed interest rate is an interest rate that doesn’t change, making payments predictable.

Rebecca Goodman

Universal credit is a means-tested benefit for people without an income or for those on a low income. Read on to learn who is eligible for the benefit, how much the payment will be and how to apply.

Connor Campbell & Rebecca Goodman

National Insurance is a tax paid by most UK workers. Read on to learn about National Insurance including what it pays for, how to find your National insurance number, where to check how much you’ve paid, and how contributions could impact your State Pension.

Rebecca Goodman

If you’re having problems with your tax return it can be very stressful. Read on to learn who can help if you’re having tax return issues, what the most common tax problems are, how to appeal a tax decision and what to do if you can’t pay your tax.

Rebecca Goodman & Kristina Fox

If you are self-employed, earn income from an additional revenue stream or claim some benefits, then you may need to file your taxes. Read on to understand when the tax season is, how to prepare your taxes and how long it could take to complete them.

Rebecca Goodman & Kristina Fox

A tax adviser or accountant can file your tax return for you, taking a lot of stress out of the process, but using them can come at a price. Learn the benefits and cost of using one.

Rebecca Goodman & Rhiannon Philps

A credit card can be a flexible and cost-effective way to borrow money but, before applying for one, it’s important to understand exactly how they work and what costs you could face.

Rebecca Goodman & Holly Bennett

A cash ISA transfer lets you move your tax-free savings into a new account. You can transfer your money from one cash ISA into another, or into a stocks and shares ISA, but there are some rules to know before going ahead.

Rebecca Goodman

A regular saver ISA lets you put away money each month, up to a limit, and earn tax-free interest on the cash.

Rebecca Goodman

A fixed rate cash ISA is a tax-free savings account where you are paid a set rate of interest for locking your money away over a fixed period.

Rebecca Goodman

An easy access cash ISA lets you earn interest without paying any tax and you can withdraw the money whenever you need to without penalty.

Rebecca Goodman

When you leave a job you will be given a P45 form which shows how much you have earned and how much tax and national insurance you have paid.

Rebecca Goodman

The SA100 form is filled in by those who are self-employed or have more complex finances and need to report their income to HMRC and calculate their tax bill. You may more commonly hear form SA100 referred to as a tax return or self-assessment form.

Rebecca Goodman

One of the most common tax forms is a P60 and it shows how much you have earned and how much tax you have paid in the previous year.

Rebecca Goodman

To pay income tax in the UK you may need to fill out a tax form, either online, by post, or in person.

Rebecca Goodman

CHAPS is the UK payment system used for transferring large sums of money which are cleared on the same day. We explain how it works and when to use the service.