Your Financial Essentials

While car finance loans are attractive because they directly relate to vehicles, they are not the only option when it comes to borrowing money for a n...

A car finance loan is a great way to spread the cost of a large purchase, and will enable you to get the keys to a new car almost immediately, rather ...

Whenever you’re making a large purchase, the first thing that should always pop into your head is the Section 75 consumer protection benefit . ​ ​ W...

There are a few different options available if you don’t want to purchase a car outright. Each of these options offer both positives and negatives. We...

You need to consider how much money you want to spend on a car, how urgently you need it and how much of your savings you are willing to part with in ...

The past few years have seen it get more and more difficult for first-time buyers and existing homeowners to get a mortgage, but one group of home-buy...

Remortgaging is taking out a new mortgage to pay off an existing one using the same property as security. It can be a time-consuming process. You’ll n...

With a lifetime mortgage your pay off your loan when you move out or die, using money from the sale of the property. If upon sale of the property ther...

A fixed-rate mortgage is where the interest rate, and your monthly repayments, stay the same for the length of the fixed term. Fixed-rate mortgages ar...

Banks and building societies often advertise ultra-low mortgage rates, to lure in new customers. But these rates can have a high arrangement fee of ar...

The loan-to-value or LTV of a mortgage is the amount you can borrow in relation to the value of the property. For example, if you are buying a propert...

The amount you can borrow in relation to the value of the property is known as the loan-to-value or LTV. For example, if you are buying a property for...

The interest rate on a tracker mortgage is pegged to the Bank of England base rate. So, when the base rate moves so will your interest rate, and your ...

It’s a loan where someone — a guarantor — agrees to cover you if you can’t make a payment. They’re there for those who find it harder to get personal ...

Bad credit loans are designed for people who are looking for a loan but have a poor credit history. While having a bad credit rating can make it much ...

A homeowner loan offers a way to borrow large sums of money, typically between £3,000 and £100,000. It is only available to borrowers who either own t...

Personal loans are one of the most common types of loans, commonly taken out by people looking to make a one-off essential purchase. Unlike with a se...

Instant Quote is an estimate of what your car insurance premium could be. It’s not a final quote, so it’s important to understand that it could change...

If you'd like to make a complaint about your provider, contacting them directly is often the best solution. Alternatively, please contact our car insu...

If you don't make any claims on your policy (i.e you don't have any accidents or damage to your car), you will earn a 'no-claims bonus,' sometimes als...

If you need to make changes to your policy, you should contact your insurance provider directly. Incorrect information on your policy could mean it's ...

If you cancel your policy within the 14-day cooling-off period you’ll be refunded, less any time you’ve been covered for already. Some insurers may ch...

The price you pay for your car insurance is known as the ‘premium’. Premiums are quoted annually (although you can usually pay monthly if you want). W...

We've partnered with a company called Seopa (trading name is Quotezone) to provide a car insurance service on TotallyMoney where you can compare and c...

Car insurance offers financial protection if your car is stolen, you're involved in an accident, or it's damaged, for example in a fire. Your car insu...

A 0% balance transfer card can be an effective way to cut the cost of existing debt – you can transfer your existing credit card balance and take adva...

Poor credit credit cards, also called bad credit credit cards, are designed to help you if you have a poor, or non-existent, credit record. These card...

If you’re planning a major purchase, a 0% purchase credit card is the cheapest way to borrow. These cards offer an interest-free period during which y...

Travel credit cards are a smart way to spend money abroad and avoid the usual fees you would be charged for using a regular credit card. Going on holi...

Earn while you spend with a cashback credit card. Cashback is an incentive operated by credit card companies where a percentage of the amount spent is...

A rewards credit card helps you earn points which can be exchanged for travel, merchandise or discounts. Every time you purchase something with a rewa...

A combined balance transfer and purchase card is effectively two cards in one. Providing the best of both, it offers a combination of an interest-free...

During your application for credit, some of the lenders that we work with will use their mobile app as part of the application. The app helps to make ...

Because they can’t afford the high wholesale energy price. While there are the big energy companies, known as the Big Six, there are also around 70 sm...