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.
-
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
A First-Timer’s Guide to Reading a Credit Card Statement
A line-by-line guide to reading a UK credit card statement, covering the closing balance, payment due date, minimum payment and where interest appears.
-
What a Low Credit Score Really Costs You on a Mortgage
How a weaker credit file can cost you on a UK mortgage: higher rates, fewer deals, fees and repeat costs when the deal ends, and what it adds up to.
