Looking to make smart borrowing decisions? Our comprehensive guide features expert advice, detailed loan comparisons, and insider tips to help you secure the best rates and terms for your needs. With over 40 articles covering everything from home loans to credit scores, you'll have all the knowledge needed to borrow confidently and save money. Loans and Borrowing is here to help.
Can Banks Refuse to Give Account Statements?
Banks can't legally refuse account statements, and the maximum fee they can charge is £10 regardless of what they claim.
Government Crisis Loans and Repayments
Interest-free crisis loans from the government help cover emergencies like living costs and rent, with flexible repayment options for those on benefits.
Loan Advertising and Your Rights
Misleading loan ads can make agreements unenforceable, so know your rights under UK advertising rules.
Borrowing Solutions That Won't Break the Bank
If your credit isn't perfect, credit unions and alternative lenders can offer cheaper borrowing options than traditional banks.
The Government's First Buy Home Owner Loan Scheme
Get the basics on the government's First Buy scheme, an equity loan option designed to help first-time buyers afford a home.
Holiday Loans: Should You Borrow?
See if borrowing money for a holiday makes financial sense and what alternatives might work better for your budget.
Recognising the Signs of a Bad Lender
Watch out for predatory lending tactics and unfair practices that can trap you in debt and harassment for years.
Should You Consider the Bank of Mum and Dad?
Borrowing from parents can be interest-free with flexible terms, but family loans risk damaging relationships if repayment goes wrong.
Recognising That You Are a Borrowing Risk
A poor credit record limits your borrowing options and raises your interest rates—understanding why lenders see you as risky is the first step to fixing it.
The Pros and Cons of Using an Online Lender
Online lenders often charge lower rates due to reduced costs, but eligibility requirements and varying interest rates mean you should compare options carefully.
Going Green Business Loans FAQs
Green business loans can help offset the upfront costs of energy-efficient upgrades, but repayment is still required even with interest-free terms.
Financing Alternatives to Student Loans
Other ways to pay for education beyond student loans, including bursaries and scholarships that don't require repayment.
The Pitfalls of Credit Card Loans
Watch out for hidden fees and high interest rates when using credit cards as loan alternatives.