Author

Dan Base photo

Dan Base

Financial Content Writer

About the Author

Dan Base worked spent 8 years working for Coventry Building Society before joining money.co.uk as a content writer.

During his time here he put his expertise to good use, covering banking, consumer rights, mortgages and investing.

Dan left money.co.uk in 2019.

Happy couple with advisor

How to get your first mortgage

Getting on the property ladder is much easier if you know what help is available, where to find a mortgage and how to apply for a mortgage. Here is everything you need to know about how to get a mortgage and buy your first home.

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Should you get an interest only or repayment mortgage?

The two main ways to pay off your mortgage balance are interest only and repayment. Here is how to work out which best suits your finances.

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Should I overpay on my mortgage

Should I overpay on my mortgage?

If you have extra money to spare, you could make overpayments on your mortgage. This can reduce the amount you pay and shorten your mortgage term, but is it right for you?

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House model with agent and customer discussing for contract to buy

What is a guarantor mortgage?

If you are unable to buy the home you want with a normal mortgage, a guarantor could help you get accepted or borrow more. Here is how they work and how to get one.

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woman-at-desk-with-laptop-and-paperwork

What is a packaged current account?

You can get rewards with some bank accounts for a monthly fee. The benefits can be cost effective and convenient, but only if it is the cheapest option. Here is how to check.

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woman on sofa with credit card and laptop

Which current account should you get?

Choosing the right current account can save you money in fees, give you all the features you need or even earn you money in interest. Here is where to find the best account for your circumstances.

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Is it safe to buy from ticket resale sites?

If you are not able to buy tickets direct from the venue, you need to be extremely careful you do not get ripped off. Here is what you need to know.

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How to heal your credit file after an IVA

When your individual voluntary arrangement (IVA) finally ends you're well and truly free and clear and your money is your own again. A happy day indeed!

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How to complain about your internet, phone or TV provider

If your mobile phone, internet, landline or digital TV provider doesn't give you the service you expect, you'll want to get things sorted as soon as possible. Here's how to escalate things if they won't help.

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Couple paying bill in a restaurant with card.

How do travel prepaid cards work?

The right prepaid card could be the cheapest way to spend money or withdraw cash in another country. Here is everything you need to know about them and how to choose the right one.

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I think I've been scammed, what do I do?

Don't panic. If you think you've been a victim of fraud, these simple steps can help you protect yourself and stop fraudsters in their tracks.

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What graduate account should you get?

If you have graduated and do not have a student account, or have one that lost its free overdraft and benefits, here is how to get the best graduate bank account.

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What is a current account?

A bank account that lets you receive money from anyone, including your wages from your employer. You can also use it to pay bills, withdraw cash, spend on a card or make payments to other people. Here is how they work and how to get one.

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What are direct debits and standing orders?

They are automatic payments from your bank account. They can stop you missing a payment and take away the hassle of paying manually. Here is how they work and when you can use them.

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Prepaid bank accounts explained

You could be accepted for a prepaid current account without a credit check, but they can be expensive. Here are the advantages, disadvantages, costs and what you can use them for.

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business people in meeting

How to manage your bank account

Here is how to use your current account to keep it running smoothly and to avoid being charged fees.

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How to find the best student account

Student bank accounts could save you money, let you borrow for free and offer freebies like gift vouchers or railcards. Here is how they work and how to find the best one for you.

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Concerned couple with advisor

How to rescue your finances if you've been refused a bank account

It's hard to imagine life without a current account, but this is the stark reality for thousands of Brits. We look at what alternatives are out there if you can't get a bank account.

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young-business-people-working

How to find the best charity bank account

A current account for your charity, community group or voluntary organisation can offer a safe home for donations. Here is how manage your charity's money and pay its bills.

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How to pay with contactless and Paym

You can use contactless payments to quickly and easily buy things with your debit card, credit card or mobile phone. You can use Paym to send and receive payments to and from other bank accounts with your mobile phone. Here is how they work.

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How to keep your bank account secure

Here is how to keep your bank account, debit card and personal details safe when you use them online or in person.

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How to find lost bank accounts

In banks across Britain millions of pounds are sitting dormant in lost accounts, waiting to be re-claimed by their rightful owners. We take you through how you can be reunited with yours.

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How business current accounts work

If you run your own business, are a sole trader or look after the finances of a company, you may need a current account. Here is how business bank accounts work and how to get one.

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Can I switch bank accounts if I'm in my overdraft?

Being in your overdraft does not have to mean you are tied to your bank account forever. Here is how it is still possible to switch to a better deal.

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How do joint bank accounts work?

You can get a joint current account to help you share expenses or bills with your partner, housemate or a family member. Here is how they work, their risks and how to choose the right one.

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older man on sofa with laptop

How does online banking work?

Internet banking helps you keep track of your balance and make payments 24 hours a day without going to a branch. Here is how to bank online on your computer, phone or tablet.

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How do overdrafts work?

A good overdraft can let you borrow money for free, but overspending on the wrong account could cost you money. Here is how to use an overdraft and how to find the right one.

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Woman and young girl looking at laptop

Do you really need an emergency fund?

Saving for a rainy day means you can cover unexpected costs without getting into debt. Here is how to save and how else you can cover emergency costs.

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7 questions you must ask before you invest

The thrills and spills of the stock market can be exciting and lucrative, but sometimes it can be hard to know where to start with investments. Ask yourself these 7 questions to work out how and where to invest your money.

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Grants and funding for disabled students

Higher education opens up many opportunities, but also brings with it added financial worries; this is especially the case if you have a disability. We explain the help available to relieve the strain of being a student.

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Smiling hired female company employee unpacking box with personal belongings

Will changing jobs stop you getting a mortgage?

Starting a new job could make getting accepted for a mortgage more difficult - even if you'll earn more. Here's why and what you can do about it.

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Older couple putting coins in piggy bank

Can you get a mortgage with bad credit?

You could still get a mortgage even if you have bad credit and have missed payments before if you know where to look. Here is how to get a bad credit mortgage.

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Asian couple signing mortgage documents

Should you get a long or short term mortgage?

When you get a mortgage you have to decide how long you need to pay it all off. Here is how to work out which is cheapest and how to make sure you can afford the term you choose.

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Older couple coming in from surfing the waves

Should you sell your endowment?

Selling your endowment policy gets you a lump sum now. You could get more than if you cancel the policy, but less than if you wait until it matures. Here is how to decide what to do.

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How to sell your endowment

You could get a cash lump sum now by selling your endowment policy. Here is how selling to a third party could make you more money than selling it back to your provider.

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How to get health insurance when you are older

You can still get health insurance as you get older, but it can be more expensive and difficult to find. Here is where to find it and how to cut the cost.

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Can you get health insurance with pre-existing conditions?

Health insurance does not always cover existing medical conditions or any you have had in recent years. Here is what cover you can get and how to find it.

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How does private health insurance work?

Private health insurance can pay out for a range of treatments for illnesses and injuries. Here is how it works and what types you can get.

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How to choose health insurance

The right health insurance policy can give you fast access to private treatment if you are unwell or suffer an injury. Here is how to find health insurance that covers everything you need.

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Financial adviser with young couple

Will I ever be able to afford a house?

You might be ready to buy your first home sooner than you think, but if you need a leg up onto the property ladder there are lots of ways you can find help. Here is how to get started before you buy and how to check you can afford it. 6

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Open hands holding a label with the word loan

9 Top tips for the best deal on a personal loan

Yes, you can still apply for a loan when you retire, but there are several factors you should consider before you do.

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woman-handing-over-credit-card

What is a charge card?

Charge cards let you manage your personal or business spending differently to credit or debit cards. Here is how they work and everything else you need to know about them.

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What are rewards credit cards?

You can get rewards like shopping vouchers for just spending on some credit cards. Here is how they work and how to choose a card with the rewards you want.

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Young man shopping online

Should you get a prepaid card?

Prepaid cards come with several pros and cons, but they could be the best way of spending for you. Here is how to work out if you should get a prepaid card.

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Woman holding a credit card while using a laptop

What are prepaid cards?

You can use a prepaid card to buy things online or in person, and you could get one without a credit check. Here is how they work and how to get one.

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How to check your credit card application will be accepted

Find out which credit cards could accept you with our eligibility checker

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Your student loan may be a burden you want to clear as soon as possible, even if you might never have to pay it all back. Here's how to decide if it's worth paying off your student loan early.

Should I pay off my student loan early?

Your student loan may be a burden you want to clear as soon as possible, even if you might never have to pay it all back. Here's how to decide if it's worth paying off your student loan early.

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Family shopping and paying with a card

How to use a prepaid card

Once you have your new prepaid card, you can start using it to buy things and pay bills. Here is how to use and manage your account.

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How to reclaim your credit card charges

You do not need to accept all credit card charges and could get hundreds of pounds back. Here are the fees you could get back and how to get a refund.

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Stressed couple looking at finances

Should you ever use your credit card to pay your mortgage?

When money is tight, you might be tempted to make your mortgage payments using your credit card, we look at whether this is ever a good idea.

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How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

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How to get free debt help

Getting debt advice could help you pay off what you owe quickly and avoid making your problems worse. Here is how to find the best places to get help with your debts.

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stress woman

How does credit scoring work?

Your credit score affects any application you make for credit from loans to mortgages to credit cards - but how exactly is your score worked out? We take a look at who decides your credit score and what you can do about it.

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Couple talking through document with advisor

What is a good credit score and how can I get one fast

Your credit score is often seen as the key that could unlock access to cheaper borrowing and bigger loans. But what is your credit score? Who decides it? And what factors affect it?

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Worried man on laptop

What should I do if I can't pay my mortgage?

If you find yourself in a position where you can't meet your monthly mortgage payments, it is important not to bury your head in the sand. Help is at hand and there are things you can do to get back on track.

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Couple with real estate agent in new home

Can you sell a house without an estate agent?

Hiring an estate agent can be a costly business, but it is possible to sell your house without one. Here are all the things you need to think about when trying to sell house your without an estate agent.

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Man sitting with feet on the table and watching Netflix on the TV

Coronavirus: How to spend a "socially distanced" rainy day

If the UK has managed to get one thing right this summer, it's the weather. But as Britain's trademark drizzle comes back into view, it's time to adapt our plans for a socially distanced weekend.

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Lockdown sees job vacancies continue to plummet

New data reveals that almost half of UK businesses (42%) have less than 6 months of cash reserves as a result of lockdown restrictions. Money.co.uk comments on the state of the jobs market across the UK.

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Money.co.uk: Financial guidance on retirement

COVID-19 has created turmoil in global financial markets, hitting many people’s pension pots. Money.co.uk comments on this concern and gives guidance for those thinking about retirement

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How to manage your hay fever and plan a low-allergen garden

As parks reopen and people continue to take full advantage of their garden, money.co.uk has put together a guide to creating a low allergen garden and help hay fever suffers to manage allergy flare ups while enjoying the warm weather.

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Coronavirus crisis in jobs market: available vacancies are the lowest in six years

The impact of coronavirus on the employment market has dealt a devastating blow to job hunters with vacancies plummeting to the lowest levels since March 2014. Money.co.uk comments on this further.

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Lockdown leads to a surge in online shopping

Research from money.co.uk reveals the items that Brits have spent on since lockdown began, as over one third of Brits head online more often for retail therapy, than before the COVID-19 crisis.

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Business people shaking hands

Should you get a limited company buy to let mortgage?

As a landlord, you could invest in buy to let (BTL) properties through a limited company instead of in your own name. Here's how to find out if this could help you save money and pay less tax.

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man-looking-puzzled-at-laptop

Is now a terrible time to buy a house?

Picking the right time to buy your first home helps you check it's affordable and get a good deal. But is now a good time to buy or are you better off waiting?

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A complete guide to buying a home

A complete guide to buying a home

The process of buying a house can take months, but knowing what to do and where to get help could make it quicker and easier. Here is what to do when you buy a home.

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How to save up a mortgage deposit

Saving a mortgage deposit is your first step towards buying your own home. Here is how deposits work, how to save one and what help you can get.

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Women meeting bank manager

Why you can't trust your bank for mortgage advice

You're ready to buy a house and need a mortgage next. It's just a case of popping into your bank and seeing what they've got, right? Here's why that's a bad idea.

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What is equity release?

Find out what is involved in releasing equity from your home, how you can do it, and if it is a step worth taking.

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There have been huge changes in consumer habits due to COVID-19, read on to learn more.

A survey of 1,646 adults compiled by YouGov, delving into people's shopping habits since lockdown began, has revealed how often people have been visiting different types of shops to get their essentials, and if frequency has changed since lockdown started.

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Planning a wedding next year? This formula is proven to get guests on the dance floor

If you're planning your wedding party playlist then take note, a new study into dance floor fillers has revealed Nightcrawlers' 'Push The Feeling On' is the song most likely to get people's feet moving and hips shaking, with 'Horny' by Mousse T. ft. Hot 'n' Juicy in a close second.

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Coronavirus wreaks havoc on UK Businesses

New data from ONS reveals the harsh realities the coronavirus pandemic is having on businesses, Money.co.uk comments on this; as well as provides tips on how employees can remain productive and healthy throughout lockdown

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The wedding music formula for the perfect dance floor filler

A new study from money.co.uk has revealed the number one hit guaranteed to get guests on the dance floor, according to science. Find out more here.

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Oasis and Warehouse administration comment

As the effects of coronavirus continue to hit the high street with the collapse of Oasis and Warehouse, money.co.uk comments.

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Money saving tips on a reduced salary

Workers across the country have found their pockets hit by the coronavirus crisis. Money.co.uk has provided tips on how you can save money and manage your budget with less cash coming in.

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10 things to do before you travel abroad with an allergy

Travelling overseas with an allergy can be a worry, but you can still enjoy a stress and reaction-free holiday. Here's what you can do to keep yourself safe and healthy abroad.

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Don't pass on your personal data when you dispose of your old computer

You don't know where your old PC might end up after you get rid of it. Here's how to dispose of old laptop computers to ensure your personal data doesn't end up in the wrong hands.

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The ultimate student finance guide for freshers

If you are heading to university this autumn, here is how to make sure you can afford to have fun rather than worrying about the pennies.

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How to avoid Europe's biggest travel rip-offs

Whether you go on holiday to top up your tan or broaden your horizons, make sure that money worries do not get in the way of your trip. We spoke to over 2,000 British travellers to find out the biggest rip-offs so you can avoid them and focus on having a great time.

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How to do festivals on the cheap

You can have more fun at festivals if you can afford to do everything you want to. Here's how to plan ahead and cut your costs.

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Working from home: how to make your millions in your PJs

Extra comfort, no commute and your boss a safe distance away - working from home sounds great. But do the financial advantages outweigh the drawbacks? We look at if it's right for you.

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The financial impact of depression and grief

Depression and grief affect many areas of your life and this includes your finances. We take a look at how to make sure your money situation doesn't add to your worries when you're going through such a difficult time.

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How Section 21 and eviction work

Around 7 in every 10 notices served under Section 21 are rejected in court due to mistakes or improper conduct. Here's what you need to know to protect yourself.

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Get more from high street loyalty schemes

Here's what you need to know to make the points you earn from the top 6 high street loyalty schemes go further

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How to protect yourself from the tenants from hell

With over 20% of the UK population renting from private landlords, the chances are you will find a tenant keen to look after your property well. However, buy-to-let purchases represent a significant investment which you would be wise to protect. Here's how.

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The new way to rebuild your credit rating?

It's a classic Catch 22: how do you build a credit history if you can't get access to credit? Surprisingly a prepaid card could be the solution to your credit history problems.

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Should I use my savings to pay off my debts?

Building up your savings can be rewarding, but you could be damaging your finances if you have outstanding debts. Here's how to work out whether you should use your savings to clear money you owe instead.

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Who supplies my water?

"Who supplies my water?" is an important question to ask if you have just moved into a new house. Here is how to find out your water supplier and set up your account.

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Should you haggle with your mobile phone provider?

If you're looking to upgrade your phone or your contract, haggling with your mobile phone provider can help make sure you get the best deal. We look at how to give yourself the best chance of bagging a bargain.

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5 graduate careers that will earn you most money after uni

Finding a job after university can be tougher than some of your exams! Here are the postgraduate careers that pay the best wages, which are recruiting the most graduates and what you will need to get those jobs.

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Cure the debt hangover from your student days

When you are a student, money tends to be the last thing on your mind. But as the heady days of student-hood become consigned to the realm of nostalgia, it is time to pick up the tab.

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FCA payday loan caps: Your FAQs answered

What's the worst payday loan horror story you've ever heard? New FCA rules will limit what they cost, hopefully putting an end to the worst cases. We examine the plans and what they'll mean if you need to borrow.

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How much do festivals cost and what should you take?

Packing everything you need can really cut the cost of a music festival. Here is how much spending money you need and a checklist of what to bring.

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How should you pay your rental deposit?

Rent, deposits and letting agent fees are rising in price. Here's how to pay your deposit and whether you should consider borrowing the money or using a credit card.

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How to sell your house

We share step-by-step advice on what you need to do if you're considering selling your house.

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Young couple lying among packing boxes

How does the Rent to Buy scheme work?

If you want to buy a house but can't afford a deposit, there are several schemes that could help you own your own home, including the Rent to Buy scheme. So how does Rent to Buy work and how can it help you?

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two people looking at property plans

Do you have what it takes to go into property development?

TV shows make property development look ridiculously easy and a sure-fire way to make money, but what does it really involve and is it for you?

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Young couple using laptop

How to manage your mortgage

Keeping track of your mortgage can help you keep up with repayments, save money in fees, get you the best deal and run it smoothly. Here is how to manage your mortgage account.

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11 massive mortgage application mistakes you need to avoid

You've saved a deposit, found the perfect house, and now need a mortgage: what could go wrong? Don't make these 11 mistakes that could ruin your plans.

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What to do if your debt management company goes bust

If your debt management company stops trading, you need to make sure you keep up with repaying your debts. Here is what you need to do and where you can get help.

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How to claim on your health insurance

Your health insurance could pay out if you need private medical treatment or an appointment. Here is how to claim and how much it costs.

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