Useful information
Plain-English guides to mortgages, car finance, credit cards, payment protection and early repayment in the UK — what the rules say and how lenders’ terms differ.
Mortgages in the UK: how they work and how lenders’ terms differ
How a UK mortgage works: deposit and LTV bands, fixed, tracker and SVR rates, product fees, affordability, stamp duty, the ESIS and APRC, and what to compare between lenders.
4 min readRead guide →Car financeCar finance in the UK: PCP, HP and loans compared
How car finance works in the UK: PCP, hire purchase, personal loans and leasing, balloon payments, voluntary termination, GAP insurance and the motor finance commission redress scheme.
3 min readRead guide →Credit cardCredit cards in the UK: how they work and how providers’ terms differ
How UK credit cards work: interest-free period, APR, minimum payments and persistent debt rules, 0% balance transfers, cash fees, late fees and Section 75 protection.
3 min readRead guide →InsuranceCredit insurance in the UK: types, rules and how lenders differ
Buildings insurance, life cover, income protection, mortgage payment protection, GAP and card protection in the UK: what is required, what is optional, cooling-off rights and lessons from PPI.
3 min readRead guide →Early repaymentEarly repayment in the UK and how lenders’ rules differ
Overpaying a mortgage, early repayment charges and overpayment allowances, and your statutory right to settle loans and car finance early under the Consumer Credit Act.
3 min readRead guide →This material is for general information only, describes UK rules in force on the publication date, and is not financial, legal or tax advice. Rules, schemes and lenders’ terms change — always check your agreement, your lender’s current terms and official sources such as the FCA, MoneyHelper and GOV.UK.