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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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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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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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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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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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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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What to do if your vehicle breaks down

If you break down on the road it can be scary and stressful, but knowing what to do can help you stay safe while you get help. Here is what to do if your vehicle breaks down.

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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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Do you need commercial breakdown cover?

If you use your car or van to earn a living, or you manage a fleet of vehicles, keeping them on the road is essential. Here is everything you need to know about commercial breakdown cover.

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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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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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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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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 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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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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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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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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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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Great (financial) expectations

Experts from money.co.uk reveal the true value of the homes, flats and mansions that inspired the works of Charles Dickens.

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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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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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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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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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Valentine's Day guide to burning love and calories

The energy experts at money.co.uk investigate how much exercise is needed to burn off your Valentine's Day treats.

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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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Ranked: Europe's most pet-friendly cities for 2021

The most pet-friendly cities in Europe

If an overseas home move, or even just a visit, is on the cards in 2021, the mortgage experts at money.co.uk have ranked 20 of Europe’s most densely-populated cities, based on the things that matter most to owners of furry, scaly or feathered friends.

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Revealed: the top 20 healthiest places to live

The mortgage experts at money.co.uk rank the healthiest countries and cities in the world, with good food, good company and good transport links all being great for the people who live there.

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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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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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Coronavirus: Getting a mortgage payment holiday

Try our handy tool to help you understand if a mortgage payment holiday is the right option for you and what impact it might have on your future payments.

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Revealed: The best and worst episodes from some of the world’s favourite TV shows

Our broadband experts at money.co.uk have crunched the numbers to discover which TV series keep getting better and which fail to continue to keep the fans happy.

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Self-care capitals of the world

If 2020 taught us anything it is the importance of taking time for ourselves. Wellness and self-care are at the top of everyone's list right now after the challenges that this year has thrown at us so money.co.uk has researched which capital cities around the world are leading the way for their self-care credentials.

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The Beauty Index 2021

The Beauty Index 2021 by money.co.uk has analysed Google search data for over 6,500 products across 20 different categories to reveal which specific beauty products the UK public has been searching for the most.

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Festive calories around the world - an energy expert's guide to holiday treats

'tis the season to treat yourself but which holiday treats from around the world have the most calories? This new guide reveals a list of the healthiest and the most calorific Christmas puddings.

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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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Video calling Santa this holiday season

Kids can’t meet Santa in 2020, so we found the best places and services to virtually call Santa from at the North Pole. Explore our guide for more information on which states have the best internet and broadband speeds.

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The listing prices and mortgage repayments of some of the world’s most iconic palaces

The personal finance experts at money.co.uk have discovered the listing prices and mortgage repayments of some of the world’s most iconic palaces.

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Revealed: the most searched for fashion and celebrity inspiration around the world

Want to discover the most popular fashion brands and the most stylish celebrities in the world? Our credit card experts’ global research reveals all. Worldwide search data analysed by Money.co.uk using Google Keyword planner.

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COVID-19 Debt Index

The impact of the COVID-19 pandemic has plunged millions into debt according to research from money.co.uk. This guide explains how you can get the help you need to get your finances back in shape.

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Car insurance experts reveal which country music stars love their trucks the most

Car insurance experts at money.co.uk explore the relationship between country music and trucks over the past 50 years.

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Unwrapped: the hidden hamper tax that could cost you a fortune this Christmas

A Christmas hamper packed full of festive treats can seem like the perfect way to spoil friends and family - particularly if you can’t be together this Christmas. But are these hampers worth the cost? Money.co.uk reveals all

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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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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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Broadband experts reveal the most talked about Christmas advert of the year

Our broadband comparison experts have analysed the social sentiment across this year’s retailers Christmas adverts to understand the publics reactions

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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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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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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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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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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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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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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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