How to Choose the Best Mortgage

There are lots of different mortgages available for us to choose from and it can be tricky to know how to pick between them. They differ in a variety of ways and it is worth understanding a bit about what to look out for so that you can choose the mortgage that will be the best for you. Fixed vs Variable Rates The two main types of mortgages are either fixed or variable rate mortgages. The fixed rate mortgages will have an interest rate that is fixed for a certain period of time. This is usually a number of years. […]

How Much Should I Spend on my Credit Card?

If you have a credit card, then you may find that you have a really big credit limit. Card holders have a habit or raising the limits every so often and you can end up being able to use the card to borrow a lot of money. However, this may not be the most sensible thing to do and it can be a good idea to think about how much a sensible amount will be to spend on your card. How Credit Cards Work A credit card will allow you to buy things in most shops and online and not […]

Which Current Account Provider is Best?

Most of us will have a current account and it is likely that we have stuck with the same provider for a while. This is because most of us are pretty loyal and tend to trust the one provider that we always use. We might feel that it will also be difficult to swap providers and that we may not benefit very much. However, these days it is really easy to swap your current account over and the banks concerned have to work together to get everything moving smoothly, including swapping standing orders and direct debits. It is therefore worth […]

Is a House a Good Investment?

Many people own a home, but there are some people that own two and they rent one out or use it otherwise for investment purposes. But is this a good idea? How Can a House be an Investment? There are many types of investment and house can be considered to be one, however, it depends on the house. The home that you live in, is not an investment because you need somewhere to live. So although it is gaining in value (hopefully), it is still not an investment because if you do sell it and get  the money you have […]