Start 2019 with a “spring clean” of your finances, but how?

BALANCE TRANSFER DEALS? Now that the dust has settled on the Christmas and New Year festivities, for most of us it is back to reality with a bang. As those credit card bills begin to land, it is time to take control and try and minimise where you can to ensure your finances are ship […]


Consumer lending boom driven by good lending practices

Joint research published yesterday by the Bank of England blog (BoE) and The Financial Conduct Authority (FCA) shows that the rapid growth in consumer lending has been driven by those with good credit scores. Unsecured loans grew rapidly in 2016/2017 amid concerns that lenders had underestimated their borrowers’ risk. Indeed the BoE even ensuring an […]


Are ‘Guarantor Loans’ bridging the gap?

If someone said to you that they were applying for or indeed already had a ‘guarantor’ loan, what exactly would spring to mind? They cannot afford a ‘real’ loan; they must have really bad credit? It’s just another term for a payday loan? Whatever you may think, the guarantor loans sector is now the fastest […]


Alternatives to high cost overdrafts?

Many of us now use overdrafts as part of our everyday banking, but this could in effect be costing us more than we think and are there any cheaper alternatives? The Financial Conduct Authority (FCA) has already confirmed that overdrafts fees are extremely difficult for consumers to understand, especially when they are ‘unauthorised’. In research […]


Ratesetter receive full FCA approval

Online lender Ratesetter has finally been fully authorised by the Financial Conduct Authority (FCA). Ratesetter is a peer-to-peer lender that offers unsecured loans from its investors to its consumers or businesses. Often the rates are extremely competitive and top a lot of the best buy surveys. Founded in 2010, the company has already lent over […]



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