Personal Finance Editor
Rachel Stone writes about borrowing, budgeting, credit and consumer rights, with a focus on clear, practical guidance and pointing readers to trustworthy help.
Short-term business loans offer fast, flexible capital for UK limited companies — but the terms, costs and eligibility rules differ sharply…
Not all financial comparison sites are created equal. Some are commercial lead generators dressed up as independent guides; others are…
Saving for a first home? We compare Cash ISAs, Lifetime ISAs, and pensions head-to-head — with real 2026 figures, government bonuses, and…
Tracker mortgages follow the Bank of England base rate; offset mortgages use your savings to reduce interest. This UK guide compares both…
Auto-enrolment has transformed UK retirement saving, but millions are contributing the minimum when they could do more. Here's how to get…
Before you borrow, check that a lender is FCA-authorised, compare the total cost rather than the headline rate, and be honest about…
Responsible lending means a firm checks you can afford to repay before it lends. This guide explains affordability and creditworthiness…
Buy Now, Pay Later lets you split a purchase into interest-free instalments, but it is still a form of credit. This UK guide explains how…
Most lender queries can be solved online through self-service portals, forms and help articles. This guide explains how to use online…
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