P Penny Find my best deal →

Money guides

Money, minus the jargon.

Straight-talking guides to mortgages, loans and protection. Understand your options — then, when you're ready, I'll match you to a real, qualified adviser, free.

Mortgages

Agreement in principle

What an AIP is, how to get one, and what it means for your house hunt.

Buy-to-let mortgages

How mortgages for rental properties work, and what to think about before you go for one.

Commercial mortgages

What a commercial mortgage is, how it works, and who it's for — jargon-free.

Company director mortgages

How lenders assess directors' income and what you'll typically need to apply.

Contractor mortgages

How mortgages work when your income comes from contracts, not a salary.

Credit score for a mortgage

What your credit file says about you, and the everyday habits that can help it look healthier.

First-time buyer mortgages

Deposits, LTV and how a first mortgage actually works — jargon-free.

Fixed vs variable

What fixed and variable rate mortgages really mean, and the honest trade-offs of each.

How a joint borrower sole proprietor mortgage lets family income boost your borrowing — without changing who owns the home.

Let to buy explained

Keep your old home, let it out and buy a new one — how the two-mortgage move actually works.

Mortgage deposits explained

What a deposit is, how much people typically put down, and the low-deposit routes worth knowing about.

Second charge mortgages

What a second charge mortgage is, why people use one, and how it compares to remortgaging.

Self-employed mortgages

How lenders assess your income, and how to boost your chances.

Shared ownership

Buy a share of a home and rent the rest — how it actually works, in plain English.

When to remortgage

What a remortgage actually is, and the moments people tend to start thinking about one.

Loans

Asset finance explained

How businesses spread the cost of equipment, vehicles and machinery — in plain English.

Bridging finance explained

What a bridging loan is, how it works, and when people use short-term property finance.

Business finance explained

The main ways businesses borrow — loans, asset finance, commercial mortgages and more.

Debt consolidation

What it really means to roll several debts into one — and the trade-offs to weigh up.

Development finance

Short-term funding for building or converting property — how staged drawdowns, GDV and exits actually work.

Protection

Critical illness cover

What it is, what it actually covers, and how a payout works — minus the jargon.

Income protection

What income protection covers, who it tends to suit, and how it differs from sick pay.

Income protection vs critical illness

Two very different safety nets. Here's what each one actually does — and how they can work together.

Life insurance explained

How life insurance actually works, the main types, and what shapes the cost — jargon-free.

Relevant life insurance

Tax-efficient life cover a business can provide for a single employee or director.

Not sure where to start?

Tell me what you're after and I'll get you to the right adviser — free, no obligation.

Find my best deal →