Personal Finance Hub

Jim Kersey

Banks and other lenders use your debt-to-income ratio to evaluate your suitability as a borrower. This means comparing your monthly debt payments to your income before they approve a loan for you. Use our simple calculator to get your results instantly.

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

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

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

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.

Rass Fakour-Zaker

We’ve been running a breakdown cover comparison service for long enough to pick up a few sure-fire tips on getting a good deal. So read on for our tops tips on getting vehicle recovery membership at the best price.

Caroline Ramsey

APRs have long been used to demonstrate the cost of borrowing. But are they the most accurate measurement? We take you through APRs, interest rates and how you should use them when choosing a loan.

Caroline Ramsey

Overpaying on your mortgage might seem like a great option if you have the capital, but it’s important to remember that it’s not for everyone. There may be restrictions from your lender as well as personal circumstances that might make overpayments difficult or simply not worth it.

Jeff Salway

Insolvency describes the situation where a person or company cannot pay its debts. This means the value of assets and income will not cover what is owed. Read on to find out more about the implications you need to know.

Connor Campbell

Starting your child’s money journey early in life gives them more time to learn and build healthy financial habits before adulthood. And a kids’ bank account can be a vital tool in helping them do exactly that. Find out the benefits of kids’ bank accounts below.

Connor Campbell

With one foot in childhood and the other in the adult world, those teenage years can be tricky to navigate. And money can play a big part in that. Opening a teen bank account for your child can help to build trust and responsibility when it comes to spending. Read on to find out more.

Brean Horne

If you need to cover the cost of emergency expenses or large purchases you may need to consider using credit. Read on to find out what credit is and the different types available.

Holly Bennett

Arranging and paying for your funeral ahead of time with a funeral plan can reduce the financial impact on your loved ones and take care of the details. Here’s what to consider, and how regulation of the market is changing.

Connor Campbell

A kids’ debit card, in tandem with a children’s current account, can help build trust and responsibility around money while preparing your child for the future. Discover everything you need to know about what they are and how to apply for one below.

Connor Campbell

Helping your child understand how money works can be a fantastic gift to give them for later in life. Prepaid cards for kids allow you to start this process from as young as six years old, equipping them with the tools they need for when they grow up. Discover more about kids’ prepaid cards below.

If you’re finding it difficult to pay your energy bills, you may be eligible for government grants or support from your energy supplier. Find out what schemes are available to help you pay for your gas and electricity.

Brean Horne

Buy now, pay later schemes offer shoppers the chance to delay paying for their goods up front or to split the cost over monthly instalments. Read on to find out how they work and whether they impact your credit score.

There are several different types of energy tariffs available, so it can be hard to know how they all work. Find out whether fixed or variable energy, or another kind of tariff is right for you.

Brean Horne

County court judgments (CCJs) can stay on your credit file for years but they don’t have to be there forever. You may be able to get a CCJ removed from your credit history more quickly – here’s our guide to how to do it.