Why Your Credit Score Can Drop When You Move House
A house move does not directly change your credit score, but mistakes with addresses, the electoral roll and old accounts often do. Here is what to avoid.
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Getting Started as a First-Time Landlord: What You Must Do First
A plain-English checklist for first-time UK landlords: licensing, safety certificates, energy rules, right to rent, deposit protection and records.
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What to Check on Your Credit File Before a Mortgage Application
A pre-application checklist for your credit file: errors to dispute, electoral roll details, hard searches, credit utilisation and short-term borrowing marks.
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What People Get Wrong About 0% Purchase Credit Cards
Common mistakes with 0% purchase credit cards, from missing the end of the promotional period to misreading how payments are allocated between balances.
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Missing a Personal Loan Payment: Arrears, Defaults and Your Rights
What happens after a missed loan payment: the notices lenders must send, how arrears and defaults affect your credit file, and where to get free help.
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How Much Does a House Survey Cost?
What a Level 1, 2 or 3 house survey covers, what it typically costs, and how to choose the right level for the property you are buying.
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Before You Make an Offer on a House: A Checklist
A checklist for first-time buyers ready to offer: proof of funds, questions for the agent, leasehold checks, surveys and conditions to attach.
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Falling Behind on Car Finance: What to Do and When
A step-by-step timeline for missed PCP or HP payments: arrears letters, the thirds rule, repossession protections and where to get free help.
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How Do Credit Card Foreign Transaction Fees Work?
How non-sterling fees, cash machine charges and dynamic currency conversion add to the cost of using a UK card abroad, and what to check before you travel.
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What to Check Before You Sign an HP Car Finance Deal
A pre-signature checklist for hire purchase car finance: total cost, ownership terms, ending early, fees and how to check the lender before you commit.
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What a Missed Credit Card Payment Really Costs
Late fees, interest, lost 0% deals and a six-year credit file mark: how the cost of a missed UK credit card payment builds up, and what to do next.
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A Timeline for Financing a Used Car
A week-by-week timeline for financing a used car, from setting a budget and checking your credit file to comparing PCP and HP and reading the agreement.
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Getting Started With Your First Credit Card
A beginner’s guide to first credit cards: how they work, what APR and grace periods mean, and the habits that keep interest charges at zero.
