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Our guides

Our guides show you the best ways to make your money go further and work harder. They contain all the latest financial information and are set out clearly to help you make smart decisions.

How to find the right European breakdown cover

Breaking down on holiday is the last thing you want. But if it happens to you it’s important to have the right breakdown cover in place. Here's what you need to know.

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Couple Hands Holding Housing Model

How do joint mortgages work?

You could get a larger mortgage if you buy a home with someone else. Here is everything you need to know about joint mortgages whether you want to buy with your partner, another person or a group.

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Couple on beach jumping

Travel money: how to get the best deal

A good deal on your travel money means getting more holiday for the exact same number of pounds sterling. This guide will show you how to do it.

Read more about getting a travel money deal
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What are rotating savings and credit associations?

Find out how these informal savings and lending schemes work and what to think about before you choose to take part in one.

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What to do if you get hacked

Having your accounts hacked can be frightening, especially if fraudsters get hold of your bank details or private data. Here is what you need to do if you think you have been hacked.

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Gardening and finance

Saving money on your gardening costs

Lockdown has seen many people take to gardening. However, giving your garden a refresh can be costly. Money.co.uk have pulled together guidance about to manage your finances when making changes to your garden.

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Older couple, sitting at patio table outside looking at the hillside view

How does the State Pension work?

Not everyone gets a state pension in the UK, and payouts vary heavily from person to person, even for those who qualify. Here is how the state pension works, what it could pay you and when you can claim it.

Read more about how the State Pension works
Older couple signing papers

Everything you need to know about endowments

Here is everything you need to know about selling endowments, including how they work and how they may be taxed.

Find out more about endowments
Stressed man with luggage sitting on bench at airport

Does travel insurance cover cancellation?

If you’ve booked a holiday, the last thing you will want to do is cancel it, but sometimes can end up out of your control. If the worst does happen, travel insurance can ease the burden, here is when and how you can get your money back following a cancellation.

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dentist and patient

What is dental insurance?

Dental insurance is a good way to make sure you can afford any dental treatment you might need. We explain how the cover works, who should get it and what to look out for in a policy.

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What is disability travel insurance?

The cost of travel insurance will likely be much higher if you have a long-term medical condition or disability. This guide will explain the cover options available to you.

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woman working at desk

What is business interruption insurance?

If you're working by yourself, or with only one or two staff, almost any absence could hold you back. The good news is protection is available. Find out how business interruption insurance works to see if it could be right for you.

When it pays out
Student studying

Are student loans worth it?

Taking on £50,000 in student debt might seem daunting, but the headline figure has nothing to do with what you’ll eventually repay. Here we explain why student loans are usually the cheapest way to fund university or college

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Do you homework with our guide to all the different types of student loans, grants and bursaries.

All the different types of student loans, grants and bursaries explained

From tuition fees to maintenance payments, we explain all the different types of student finance on offer and who can access them.

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What different types of loans can you get

We look at your options when you need to get a loan to help you get the best and cheapest one for you.

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Student sitting cross legged with her laptop.

What’s the maximum you can borrow with a student loan?

Student loans are the most cost-effective way to pay for university for almost everyone, but how much can you borrow? Here we explain everything you need to know.

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How big a loan can you get

Find out how much money you can borrow and what determines the size of your loan offer.

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Happy couple with bills and a credit card looking at a laptop screen

How to pay off a loan

Before applying for a loan, it’s important to ensure you can afford to repay the amount you want to borrow. Find out more in our guide.

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Five students working together around a table.

How much do student loans cost?

Student loans are the best way to pay for further education for almost everyone – but how much will they cost you? Here we explain what you’ll have to repay.

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The fastest way to get a loan

We look at your options for getting cash fast if you have an unexpected emergency that requires money you don’t have.

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Senior husband and wife sit at table at home look at laptop screen

What is the easiest personal loan to get approved for

If you’re looking for a personal loan but are concerned about whether you’ll be accepted, our guide can help you learn what lenders are looking for and how to find the easiest to be approved for.

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Worried woman on phone

How to consolidate debts with a loan

If you’re paying off multiple debts, you could move them all into one loan to simplify your payments and potentially save money. We look at how it works.

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A woman looking at a laptop

Tracing your pension

Our pensions experts have curated a list of actions for anyone looking to take control of their miscellaneous pension pots.

Find out how to tracing your pension
woman at desk

What to do next if you are refused a loan

Finding out you have been rejected for a loan can be hard to take, especially if you are in financial difficulty. This guide will explain what you can do next.

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Can you get a loan if you are unemployed?

If you are not in regular employment, you will struggle to get a standard loan from a high street lender. A specialist lender may be able to help you, but borrowing may come with higher costs.

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What is Universal Credit?

The government are rolling out a host of changes to the benefit system centred on a Universal Credit that incorporates a host of existing benefits. Here's how the plans could affect your finances.

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Rishi sunak

Key measures from Rishi Sunak's 2021 Autumn Budget speech

Key points from Chancellor Rishi Sunak's 2021 Autumn Budget speech to the house of commons - and what it all means for your money.

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How to get fee-free balance transfers

Fee-free balance transfer credit cards let you move existing card debt to a new credit card without paying a fee. Find out whether this type of plastic could work for you.

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Row of houses on a street.

Empty homes

Around the world, there are millions of homes lying unoccupied, while many remain homeless. But which countries have the biggest share of these vacant homes?

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Photographic of a man making a transaction through contactless payment

Contactless security myths debunked

Our personal finance experts show the history of contactless payments and sieve through the fiction and facts to debunk seven common myths around contactless payments.

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How couples can save more money on car insurance than singletons

If you're part of a couple you can sometimes save significant amount on your car insurance - this is how being married, in a civil partnership or even just cohabiting with a significant other can result in a cheaper car insurance quote

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Home Buyers Report meta graphic

Lottery win or the wife - what's stopping people moving house - Money.co.uk Home Buyers Report August 2021

The latest monthly homebuyers report, compiled by Money.co.uk examines the barriers that are preventing people from getting on – or moving up – the property ladder.

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Man holding smartphone

Smartphone apps that can help you save money

Whether it's setting budgets, monitoring your spending, or saving money, these apps can help you keep track of your finances and help you reach your financial goals.

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Norwich residents struggle most to find a home they can afford - Money.co.uk July 2021 Home Buyers Report

Wales, the South West and Yorkshire and Humberside are the UK regions where homebuyers are most suffering from a lack of housing within budget, with the struggle to find places in major cities worst in Norwich, Cardiff, Brighton and Leeds.

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Group of diverse friends outside a house in England

The ethnicity gap in home ownership

Many of the inequalities that affect home ownership are widely reported and debated, yet one lesser-known, stark disparity is persistent: the home ownership gap between different ethnic groups.

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Managing debt when living with a disability

We explain how to deal with debt if you have a disability and show you where to get help if you need it.

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Mature same sex female couple at Home in kitchen with digital tablet

A guide to LGBTQ+ personal finance

If you are part of the LGBTQ+ community, organising your personal finances, tax and insurance is not always a simple process. Money.co.uk have pulled together a handy guide to help those in the community handle their money effectively.

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Multi ethnic group of people

The financial impact of COVID-19 on BAME communities

The COVID-19 pandemic has take toll and on the finances and wellbeing of millions of people around the world. In this article we look out how and why people from BAME communities have been disproportionately affected by the economic crisis resulting from coronavirus restrictions.

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What benefits are you entitled to?

This guide will tell you what financial assistance is available, so you can make sure you are paid what you are entitled to.

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Bank sign over entrance door

The unbanked: What it's like not to have a bank account

Even in today's world, thousands of people in the UK don't have a bank account. This article delves into the reasons behind that, the struggles people face as a consequence of that, as well as tips on how to get a bank account if you're having trouble being accepted for one.

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Disabled driver, woman, wheelchair

Disabled drivers' car insurance rules explained

How does having a disability impact what you pay for insurance and are there any financial benefits or services available to help? We explain all

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Father;s day 2021

Best rated subscription boxes for Father's Day

With Father's Day just around the corner, the personal finance experts at money.co.uk have taken a look at how much Brits are set to spend this year, following a year of social restrictions and virtual celebrations.

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heatwave woman fanning herself sweating

Top 10 heatwave hacks on a budget

The heatwave has arrived in the UK, and managing to stay cool can be difficult and costly. The experts at money.co.uk have provided some simple budget friendly hacks to help stay chilled this summer.

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What car insurance cover should you get?

You need a car insurance policy to drive on the roads, but you can choose the level of cover you get. Here is how to work out what cover is right for you.

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Home Buyers Report meta graphic

The admin needed to move house is now a bigger barrier than mortgage rates

As the economy reopens, and the property market gets hotter, it seems Brits not already part of the home buying process are cooling on the idea of getting a new home any time soon - with the hassle of getting involved simple too much for many to bear.

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Young couple having fun driving electric scooters through the city.

What is electric scooter insurance?

Do you know all the rules around electric scooters for adults? And do you have the right electric scooter insurance in place? We’ll tell you everything you need to know.

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Roof over interest rate percentage

Best fixed rate and tracker mortgage rates available in May by LTV

Finding the best possible mortgage rate can be tough, so use our guide to compare the top fixed-rate and tracker deals available this month with LTVs starting from 95%

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Bank of England building

Bank of England holds interest rates at 0.1% in May 2021

Interest rates have been held at 0.1% by the Bank of England in May, just over a year since they were temporarily cut in response to the coronavirus pandemic.

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A wall of property listings

UK house prices see biggest monthly rise for 17 years in April, Nationwide reports

House prices continue to storm upwards rising monthly by 2.1% and annually by 7.1% to an average of £238,831 for April, according to the latest Nationwide house price index. The growth has largely been fuelled by the extended stamp duty holiday and the UK’s continued recovery from the coronavirus pandemic.

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Home Buyers Report meta graphic

Home Buyers Report May 2021

New monthly Home Buyers Report from the mortgage experts at money.co.uk reveals the three biggest reasons people can’t buy a home.

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10 tips for managing your finances once lockdown ends

As Coronavirus restrictions ease, people look forward to resuming activities and socialising in settings they may have not for a while. Money.co.uk have pulled together a guide on how to ensure you can manage your finances successfully while doing so.

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Young woman looking at property listings in estate agent's window.

Government-backed 95% mortgage deals launched

The details of the first deals launched using the government’s new 95% LTV mortgage guarantee scheme have been unveiled - this is what’s now on offer as well as your other options

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Roof over interest rate percentage

The best best fixed and tracker mortgage rates in April by LTV

Finding the best possible mortgage rate can be tough, so use our guide to compare the top fixed-rate and tracker deals available with LTVs starting from 95%

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House prices soar to record high of £254,606 in March, Halifax reports

House prices soar to record high of £254,606 in March, Halifax reports

House prices rose again in March, by 1.1% monthly and 6.5% annually according to Halifax, thanks to the extension of the stamp duty holiday and the continued recovery of the economy as the coronavirus pandemic pushed up demand for new homes.

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green car inside piggy bank

Buying a second-hand electric vehicle

There are both financial and environmental benefits to buying a second-electric vehicle when looking to invest in a new car. The experts at money.co.uk have provided some guidance to help you assess if this is the right option for you.

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Towing vehicles and insurance explained

Towing a caravan or trailer is a great British tradition. But, what laws should you know about to lug another vehicle on UK roads and do you need insurance?

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Row of terraced houses

The cheapest and most expensive houses sold near you

New figures from the Office for National Statistics have revealed the postcodes with the cheapest and most expensive homes in England and Wales, with values ranging from just £25,000 to £5.8million depending on where you are in the country.

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Row of semi-detached houses in Oxford

The most and least affordable places to buy a home

The places in the UK it’s easiest - and hardest - to afford a home on the a local salary have been named, with some unlucky people needing to find more than 27 times their annual income to afford a home near where they live.

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couple moving house 2

What is indemnity insurance?

If you’re buying or selling a property, you might be encouraged to take out indemnity insurance. Indemnity insurance could protect you against some of the things that could go wrong with your property in the future.

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Cyber criminal with credit card hacking system at table, digital binary code on background

The 7 things you need to do if you get hacked

Having your accounts hacked can be frightening, especially if fraudsters get hold of your bank details or private data. Here is what you need to do if you think you have been hacked.

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