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Credit cards

Credit cards can be a great way of paying for purchases and borrowing money, but it's important to understand how they work.

All credit cards operate in the same way, but different cards have different rates, fees, terms and incentives. These incentives often take the form of an introductory 0% offer on purchases or balance transfers or a reward scheme such as airmiles or cashback.

Current accounts

The vast majority of adults rely on a current account as their financial hub - where money is paid in and out of, and where credit cards, mortgages and saving accounts are linked.

There are a number of different types of current account available, ranging from basic bank accounts to packaged accounts and premier current accounts which come with a range of additional features.


The insurance industry has always used price in their advertising campaigns, but in reality the cheapest quote may not be your best option. The bottom line is that you only truly find out how good your insurance policy is when making a claim.

Our insurance guides highlight the differences in the features, benefits and cover levels of policies and show you how to select the right policy for your needs.


Today’s investment world has never been more complex and ordinary investors need all the help they can get to choose the right investment vehicles for their needs and appropriate funds to place in them. This choice should be dictated by your attitude to risk and the amount of disposable income you have to invest.

Taking a look at our guides will help you find out more about what’s on offer.

Life and protection

Studies among consumers consistently show that people are more likely to have insurance to protect their cars and possessions than their life and health. Yet the financial hardship associated with losing a breadwinner in the family is potentially far more significant.

In this section we set out details of policies that can help offset the financial impact of unforeseen life changing events and give you peace of mind.



Personal loans can be used for many different purposes ranging from purchasing a car to paying for a wedding.

You need to decide how much you want to borrow and over what period. Remember, that most lenders have tiered rates of interest so that the more you borrow, the lower the rate of interest of the loan.

Our guide to personal loans gives you all the facts you need to make an informed decision.


A mortgage is a loan secured against the value of your home and when applying for a mortgage, you can usually borrow up to three times your annual income or two and a half times your joint income although many lenders now use affordability.

There are many different types of mortgage to choose from including fixed rate mortgages and bank base rate tracker mortgages.


Everyone needs an income in retirement and investing in a pension is many people's way of achieving this. There are a range of different types of pension available, together with different options for drawing an income when you meet retirement age. 

Our range of pension guides will help you to understand your options and will introduce you to some of the more complex considerations that should be made when planning for retirement.


There is a huge range of savings accounts to choose from, so before depositing your money, decide what you want the account to do for you.

Are you investing for the short or the long term? Do you want income or growth from your savings? Are you saving for yourself or someone else, such as a child?

Our savings guide will help you choose the right account for your savings needs.