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Rachel Lacey

Rachel Lacey

Writer
Rachel Lacey is a freelance journalist with 20 years experience. She specialises in personal finance and retirement planning and is passionate about simplifying money matters for all.

Rachel's picks

How to Remortgage to Release Equity

Remortgaging to release equity allows you to raise funds by accessing some of the value that’s built up in your home.

The latest from Rachel

How to Remortgage to Release Equity

Remortgaging to release equity allows you to raise funds by accessing some of the value that’s built up in your home.

How to Release Equity to Buy A Second Home

You can borrow against your current property to buy a new one either through remortgaging or by taking out equity release.

How to Get a Mortgage on a Low Income

The minimum income you require for a mortgage will likely depend on how much you need to borrow but there are ways to boost your chances of a successful application.

Can I Get a Mortgage on Benefits?

It is possible to get a mortgage on benefits as lenders count multiple sources of income. However, you will need to demonstrate that you can afford the loan repayments. Find…

What’s the difference between a secured and unsecured debt consolidation loan?

There are two main types of debt consolidation loans: unsecured and secured. Secured loans require collateral, unsecured loans do not. Offering security to the lender typically provides the borrower with…

Pension or ISA: Which is the Better Investment?

Pensions and ISAs are both tax-efficient ways to save. Knowing how they compare is key to using each most effectively.

Should I Invest in Property or My Pension?

Property is an expensive investment. Pensions are supported by government tax relief, employer contributions and more. Both can help fund your retirement.

What is the Teachers’ Pension?

The Teachers’ Pension Scheme is a defined benefit pension scheme that provides teachers with a guaranteed income for life when they retire. Read on to learn how the scheme works…

How to Best Use Your Pension and Savings

Pension pots and savings accounts both save for the future. Knowing how they compare is key to using each most effectively.

Mis-sold A Pension? Here’s What You Need To Know

If you have been mis-sold a pension, advisers could have provided you with incorrect, unsuitable or misleading information regarding the pension you took out. Read on to learn how to…

How to sell with equity release

If you have taken out an equity release plan, you might worry that selling your home is not an option. Fortunately, you can still relocate or downsize.

Student Mortgage: Can I Buy A House As A Student?

Getting a mortgage as a student – often called a buy-for-uni mortgage –could be an option iIf you are at university and would prefer not to rent. However, the criteria…

How to get a mortgage with non-traditional employment

Securing a mortgage can be hard if you are in non-traditional employment, such as on a fixed-term or zero-hour contract, but some lenders offer a fixed-term employment contract mortgage. Find…

Teacher Mortgage: Can You Get Special Mortgages for Teachers?

Despite there not being a specific teacher mortgage product, some lenders look favourably on the teaching profession and offer flexibility when assessing the affordability of mortgages for teachers. There are…

NHS Mortgage Options Explained

You may be looking for a specific NHS staff mortgage, and although there isn't an NHS mortgage designed just for NHS workers, some providers offer products that make the path…
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