KNOWLEDGE THAT HELPS YOU DECIDE
Borrowing purposes
Explore loan types, purposes and costs. Use the information to ask questions and assess alternatives before deciding.
Business finance
Business finance should be assessed against the company's cash flow and risks. A personal loan and a company loan are different arrangements.
Explore this topicMortgages
When buying a home, consider your deposit, borrowing costs and ongoing housing expenses together. A secured mortgage differs from a consumer loan.
Explore this topicCabin finance
A cabin creates costs beyond the purchase price. Consider maintenance, energy, insurance and travel alongside loan payments.
Explore this topicHoliday property finance
Use and location affect the cost of a holiday property. Review the full annual budget, including periods when it is not used.
Explore this topicSecond-home finance
An additional home creates ongoing costs and may have periods without income. The calculation should allow for vacancies and maintenance.
Explore this topicFinancing renovation
Separate essential work from optional improvements. A realistic budget helps you assess saving, staged work and financing choices.
Explore this topicCar finance
The purchase price is only part of car ownership. Include depreciation, insurance, charges, energy and maintenance when assessing finance.
Explore this topicMotorcycle finance
Plan for the purchase, equipment, insurance, servicing and storage. A seasonal vehicle can have year-round costs.
Explore this topicBoat finance
Mooring, maintenance, storage and insurance can add significantly to a boat's purchase price. Consider them alongside borrowing costs.
Explore this topicCaravan finance
Consider the caravan price alongside towing requirements, insurance, site fees and maintenance. Compare hiring if use will be limited.
Explore this topicRental deposits and finance
A rental deposit ties up money during the tenancy. Understand the difference between a deposit, a guarantee and a loan before choosing.
Explore this topicDriving licence costs
Budget for lessons, mandatory training and tests. Costs can change if you need more lessons.
Explore this topicTravel budgets and finance
A trip may be over long before a long-term loan is repaid. Consider saving, reducing the trip's cost or postponing it before borrowing.
Explore this topicWhen bills become difficult
A new loan may postpone a payment problem without resolving its cause. Review essential expenses and contact creditors.
Explore this topicGarage finance
Budget for groundworks, materials, labour and any required permissions. An incomplete estimate can create a need for further finance mid-project.
Explore this topicTractor and equipment finance
For business equipment, assess finance as part of operations. Include income, maintenance and seasonal variations.
Explore this topicTrailer finance
Compare buying with hiring based on how often the trailer will be used. Include storage, insurance and maintenance.
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