Resume
Education
- BA (Hons) Industrial Economics, University of Nottingham
Previous Experience
- Finance Editor, Future
- Associate Editor, Moneyfacts
Tim is a lead writer at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.
The latest from Tim
Green Mortgages: What Are They and Will You Save Money?
Green mortgages offer incentives, such as lower interest rates and cashback, to borrowers who purchase an energy-efficient home, or make improvements to their property to meet certain environmental standards. This…
What is a Personal Guarantee? A Business Loans Guide
A personal guarantee can allow smaller business owners to secure credit for their company that might otherwise be out of reach. But the risk for a business loan guarantor who…
Logbook Loans: Loans Secured on Your Car or Vehicle
Logbook loans provide a way to borrow using your vehicle as security for the loan. You can use the vehicle while repaying the loan, but very high rates of interest…
Budgeting Loans and Budgeting Advances Explained
If you’re claiming certain benefits but need help with covering an essential cost, you might be eligible for either a budgeting loan or a budgeting advance from the Department for…
Should I Get a Fixed or Variable Mortgage?
The main difference between a fixed and variable mortgage is that your mortgage rate stays the same for a set period with a fixed-rate mortgage, while with a variable rate…
How Much Deposit Do You Need for a Mortgage?
A deposit of 5% is usually the minimum needed to get a mortgage to buy a home, but saving a larger deposit can help you secure a lower mortgage rate.
Section 21 Notice: No Fault Evictions
A section 21 notice can be issued by private landlords in England if they wish to evict tenants from a property without having to give a reason why. The government…
What is a Tracker Mortgage?
A tracker mortgage is where the interest rate you pay tracks another rate. Usually this will be the Bank of England base rate, though the rate you pay on a…
Fixed-Rate Mortgages: Peace of Mind Over Your Repayments
With a fixed-rate mortgage your interest rate, and therefore your monthly repayments, will stay the same for the duration of the period you’ve chosen to fix. Most fixed-rate mortgages are…
Mortgage Rates Predicted to Carry on Falling
Mortgage rates are expected to carry on falling amid predictions base rate will be cut again in November. Here’s our latest mortgage and base rate forecast.
Mortgage Rates Predicted to Fall as Base Rate Cut Nears
With inflation returning to target, the chances of an August base rate cut and lower mortgage rates have increased. Our latest mortgage rate forecast and base rate predictions explain more.
Housing Market Predictions for Homebuyers and Sellers in 2024
What do experts think will happen in the property market in 2024? Here are the housing market forecasts homebuyers and sellers may, or may not, want to hear.
Signs Mortgage Rates May Have Peaked After Inflation Falls
Fixed-rate mortgages begin to fall and base rate predictions are revised down after inflation recorded a larger-than-expected drop. Here are our latest mortgage rate predictions.
No Credit Check Loans: Can I Get One?
It’s unlikely that you’ll be able to get a loan with no credit check from a regulated lender, and the Financial Conduct Authority (FCA) has told lenders to stop advertising…
Home Buying Dreams on Hold as Cost of Living Crisis Bites
The rising cost of living and higher mortgage rates are forcing potential house buyers in the UK to put their property plans on hold, a new NerdWallet study has revealed.…