The latest from Tim
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…
Compare Life Insurance
Life insurance can give you peace of mind that your loved ones will be protected financially if you pass away while cover is in place. Whether that’s through paying off…
QROPS Explained: Transferring a Pension Overseas
A qualifying recognised overseas pension scheme – or QROPS – is a pension scheme based in another country that might prove a suitable destination if you wanted to transfer your…
Is Equity Release Safe?
Equity release can be considered safe because you must take professional advice, and providers and advisers are regulated by the Financial Conduct Authority. Most equity release providers are members of…
9 New Year Money Resolutions for 2023
Setting yourself some new year financial resolutions is a great way to take control of your finances and make your money work harder for you. Searching out the highest savings…
Guaranteed Minimum Pension Explained – What is GMP?
You might have a guaranteed minimum pension if you were a member of a contracted out final salary scheme before April 1997. A GMP pension should pay a level of…
What is a Drawdown Mortgage?
A drawdown mortgage is a form of equity release that allows you to unlock the equity in your home as and when you require. As you only pay interest on…
Should You Remortgage with the Same Lender or Switch?
Remortgaging with your current lender can be easier and quicker than changing mortgage providers, but a different lender may offer better remortgage deals.
Non-Standard Construction Mortgages: Who Needs One and How Do They Work?
A non-standard construction mortgage might be needed if the home you’re buying or already own is built differently from the norm. Prefabricated concrete houses, steel or timber-framed homes, listed properties…
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…
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…
SERPS Pension Explained
If you contributed towards a SERPS pension between 1978 and 2002, you might be due a top up to your state pension. Alternatively you may have contracted out of SERPS,…
Land Mortgages: How to Get a Mortgage for Land
A land mortgage can help you secure the plot of land you want, whether it’s for a self-build project, commercial development, or an agricultural mortgage for farmland. Find out more…
Offset Mortgages: Using Savings to Lower Your Interest
An offset mortgage links your savings to your mortgage, reducing the mortgage amount you have to pay interest on. You could lower your monthly mortgage repayments or pay off your…
Guarantor Mortgages: What Are They and How Do They Work?
A guarantor mortgage could be an option if your income, small deposit, or bad credit means you’re finding it difficult to get a mortgage on your own. Your mortgage guarantor…