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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.

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HMO mortgages

If you want to buy a property to let to individual tenants you’ll need a specialist mortgage. We explain what you need to know about HMO mortgages.

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Can I get a mortgage if I'm self-employed?

Yes, you could still find a mortgage if you are self-employed, but there are some boxes you need to tick first. Here is what you need to know about getting a self-employed mortgage.

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Joint-borrower-sole-proprietor mortgage

If you’re struggling to get onto the property ladder, we look at one way to make getting a mortgage easier without some of the drawbacks of buying jointly.

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Should you rent or buy a home?

With average house prices and rents both rising, choosing between buying and renting can be a challenge. Renting can offer flexibility but often costs more, while buying your own home is a long-term commitment. Find out which is the best, most affordable option for you.

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How to interview your mortgage broker

We explain how to make sure your broker is both qualified and capable of finding you the best deal before they start your search for the perfect mortgage.

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Holiday let mortgages

We look at the type of mortgage you’ll need if you want to buy a holiday home to let, including the costs involved and how to find the best deal

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How do offset mortgages work?

An offset mortgage is linked to your savings account and could save you money on interest. Here is how they work, who they suit and how much you could save.

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How to write a cheque

If you don’t know how to write a cheque already, that’s probably because it’s a dying art. But, now and then, the need arises. So here’s a simple guide to help you out.

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Is debit card protection the same as for credit cards?

Purchases made on your credit card offer you some protection, but the rules for debit cards are different. Here is how the Chargeback scheme provides protection for your debit card.

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2022

New year’s resolutions: Get your finances in shape in 2021

Money.co.uk has provided guidance on how to set achievable goals for your finances in 2021 and make them happen.

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What is capital gains tax?

Find out what you pay CGT on, when you pay it, how much you have to pay and how to make sure you don't pay any more than you have to.

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An introduction to ESG investing

With investment opportunities becoming increasingly more accessible, ESG investments have become and increasingly vital element of the investment process. The investment experts at money.co.uk have created a guide to investing more sustainably.

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Tips on investing in times of financial uncertainty

Making investments during financial uncertainty can be particularly unnerving. The personal finance at money.co.uk have pulled together some tips to guide you during these times.

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NEST pensions - your questions answered

Here is what you need to know about the NEST pension scheme and how it could help you save for your retirement.

Read about NEST pensions

How to rent out a room or even your whole house

When selling up seems impossible, letting your house can be a handy alternative. Here is what you need to consider if you're thinking of renting out your home.

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A complete guide to mortgages

Choosing the right mortgage will help you buy a home and could save you thousands of pounds. Here is everything you need to know to find the right one for you.

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How to insure your pet to travel abroad

If you want to take your pet with you overseas you should make sure they are properly insured. Here is how to find pet insurance that covers your pet abroad.

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Do you need travel insurance for your trip?

If you fall ill or have an accident while travelling the bills can be huge, so it pays to have cover in place. Here are the basics to help you find the right travel insurance policy.

When to take out travel insurance
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What is the UK Global Health Insurance Card (GHIC)?

Find out how the new Global Health Insurance Card (GHIC) works, how it differs from the old EHIC, how to get one, what they cost and when you need one.

How the GHIC works
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Getting your finances ready for Christmas 2022

Christmas might be over for another year, but now is the perfect time to get a jump on saving for next Christmas.

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How to claim on your home insurance policy

If your home is damaged or burgled it can cost thousands to put right, but your home insurance could cover the cost. Here is how to make a home insurance claim.

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What is the Right to Buy mortgage scheme?

The Right to Buy mortgage scheme offers council tenants in England up to £84,200 (or £112,300 in London) off the market price of their council home. Here is what you need to know about the scheme.

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Loans for Peer to peer lending August 2022

Peer to peer lending is also known as P2P or crowdfunding. It matches savers wanting a high return with borrowers needing a low interest rate. Peer to peer is closer to investing than it is to saving.

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Can you borrow money for someone else?

While it's possible to take out a loan on someone else's behalf, it carries a lot of risk. Make sure the person you are borrowing for can afford to repay you, or you could be saddled with an unwanted debt.

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Can you still get a loan if you're retiring?

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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Should you consolidate your debts?

If you are struggling to keep up with your loan payments, consolidating your debts could help you take back control. Here is how it works and when you should do it.

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How to apply for a loan

You can apply for a loan online, by phone, by post or in branch, depending on the lender. Here's how the loan application process works and what you need to do.

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How to get the best car finance

To get the best car finance deal, you need to shop around. Do not just go with the offer you’re given by a car dealership. You must meet the repayments, otherwise your vehicle may be repossessed.

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Should I use my savings to pay off my mortgage?

We weigh the pros and cons of using your savings to clear your mortgage.

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Moving house: change of address checklist

There's lots to remember when you're moving home, and it's essential you let the relevant people know your new address. Here is what you need to do when you move.

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

The Bank of England base rate has again been held at the all time low of 0.1% for March, as confirmed by the Monetary Policy Committee (MPC) on Thursday.

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How the 2021 Budget affects homeowners

Here's a summary of the key changes that will affect homeowners following the 2021 Budget.

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EV

How driving an electric vehicle can save you money

Driving an electric vehicle is a great option for those looking to reduce their carbon footprint. However, it can also be a great option if you are hoping to keep your driving costs low.

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Explained: the government’s 95% LTV mortgage guarantee scheme

Following the 2021 Budget, we take a look at the government's new 95% mortgage guarantee scheme - what it is, and what it means for you.

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Rishi sunak

Budget 2021: The key points

Here is a rundown of the key changes in the March 2021 Budget.

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Coronavirus: Financial help for self-employed workers

The government has extended financial support schemes for self-employed workers affected by COVID-19. Money.co.uk has collated a guide, detailing everything you need to know.

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Coronavirus: What the ‘Furlough’ scheme changes mean for you

From July, employees can return to work part-time while still benefiting from the Government’s furlough scheme. Money.co.uk has created a guide to help employers understand what these changes mean.

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Investment series: 10 women-led companies worth investing in

In light of International Women's Day on March 8, the personal finance experts at money.co.uk have pulled together a list of women-led companies you may want to invest in.

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A day in the life of a breakdown recovery driver

Find out how you can avoid having to call out a breakdown recovery vehicle and what to expect if you do

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A guide on teaching your kids good personal finance habits

If you are looking to understand how to educate your children on the importance of personal finance, money.co.uk have pulled together a guide to help you do so.

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What should you expect from the Budget?

The 2021 Budget may have more of an impact on your finances than any in recent memory. In this guide we explore the potential of what will be in the 2021 Budget and how it will affect you.

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The 7 ways to save up for a deposit?

7 ways to save up a mortgage deposit

With the cost of renting almost as high as paying a mortgage, it can be an uphill struggle to save a deposit. Here is how to save a deposit to get a foot on the property ladder instead.

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Do you need short term car insurance?

If you only need a car for a few days, taking out a short term insurance policy is an affordable and convenient option — here is how to find the best policy.

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Do I need car insurance when learning to drive?

Before you start learning to drive you will need to make sure you are covered when you practice on the roads. Here is what you need to know.

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What is skid pan training?

Skidpan training boosts your driving skills and odds of avoiding a crash.

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What car insurance cover do I need to drive abroad?

Driving overseas can be a great way to travel, but you need to make sure you are covered in case something goes wrong. Here is how to make sure you have the right insurance before you start your trip.

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Trends to watch out for in the property market in 2021

As COVID-19 continues to shape the way we buy and sell property, has outlined what to watch out for in the property market over the coming year.

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Managing your debt during the pandemic

To help ease some of your worries there are some things you can do to prepare for the financial uncertainty and take steps to manage your debt.

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Preparing to put your home on the property market

The mortgage experts have pulled together clever tips to help maximise interest in your property while ensuring your house sale goes as smoothly as possible.

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Five easy ways to kick start your finances

Start the year with these five simple ways to get your finances fighting fit for the future.

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Home ownership: joint tenants or tenants in common?

This guide offers a detailed overview of different home ownership options and explains why your choice matters.

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Residential mortgages

If you’re buying a home we explain how the mortgage you need works, what to be aware of and how to choose the best deal for you.

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First time buyer mortgage rates

This guide explains why the size of your deposit matters and the sort of mortgage rates first-time buyers can expect to get.

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What is a commercial mortgage?

Commercial mortgages are used to buy non-residential property and they are different to the mortgage you would use to buy your own home to live in.

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80% buy to let mortgage

If you want to invest in a property to rent out you will need a buy to let mortgage, unless you have enough money to buy it outright.

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How to find a mortgage broker you can trust

Taking out a mortgage will be one of the biggest financial commitments you'll ever make, so finding a mortgage broker that understands your needs is essential. We explain how to find a mortgage broker you can trust.

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How to apply for a mortgage payment holiday

Recent research suggests that more than 2 million UK homeowners are considering taking mortgage payment holidays. But what is a mortgage payment holiday, how do you take one and what are the potential pitfalls? We explain all you need to know.

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What type of mortgage is right for you?

Here is how to choose a mortgage whether you are buying your first home, moving house or remortgaging to get a better deal on your property.

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What does negative equity mean for me?

Find out what negative equity means, whether it affects you and what you can do about it.

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Mistakes to avoid during Black Friday

Money.co.uk has created a guide on how to make the most of the Black Friday sales, while avoiding the pitfalls.

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