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Who are we? Well, we're here to help you make sense of money and all the various money related products out there.

How are we going to do that? Our mission is to empower you by providing you with a set of really useful and easy to understand calculators and guides.

But I want to compare what the various finance companies have to offer? We will provide you with a selection of the top currently available deals across the mortgage, loan, credit card, savings, investments and pensions markets. But, there is a twist!

How do I compare? Well that's the 'twist'! Our calculators will be able to uniquely take each financial product you select and tailor the comparison to your specific scenario. Want to borrow £1,000 on a credit card but repay in 6 months - well, now you can find the cheapest credit card for that! We have numerous calculators to provide the same breakdown for other categories like mortgages and loans too.

I need more help? You can contact an Independent Financial Adviser directly through our website. The adviser will have access to the entire market of products and be able to tailor a recommendation to your needs and circumstances. Just leave a few details on our secure website and an adviser will contact your within 1 working day to go through your options. This is a free service although the adviser may take a commission on any recommended product or charge a fee for subsequent advice.

brands included in today's comparison

... or let us do the hard work for you!

Find a regulated, whole of market adviser to give you the best advice for your circumstances and arrange everything from start to finish.

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< mortgages >

mortgages calculators

  • Mortgage Overpayment Calculator Use our Mortgage Overpayment Calculator to see how overpaying your mortgage payment can reduce the total cost of your mortgage.
  • Mortgage Payment Predictor Use our Mortgage Payment Predictor to predict how changes to interest rates will affect the monthly payment and total costs of your mortgage.
  • Mortgages Comparison Calculator Compare the latest mortgage deals using our Mortgage Comparison Calculator to compare payments and rate changes with up to 3 mortgages
  • Remortgage Calculator Compare one or more remortgage offers to see how they compare
  • view all mortgages calculators

mortgages guides

  • Learn about Different Types Of Mortgage Get an insight into the various types of mortgages available, how they work and the advantages and disadvantages of each type.
  • First Time Buyer Mortgage Guide As a first time buyer it can be difficult getting a deposit together and getting the right mortgage for your needs. Learn more about mortgages made for first time buyers.
  • Apply For A Mortgage Learn about the steps taken in applying for a mortgage. What you need to do, what you need to have and what it costs.
  • Mortgages For Self Employed People Getting a mortgage when you are self employed can be difficult. Learn more about mortgages for people who are self employed and what can be done to help get a mortgage when your income is from self employment.
  • view all mortgages guides

mortgages news

  • Bank of England Base Rate Cut To 0.25 Percent After seven years of deliberation the BoE has halved the current base from 0.5 to 0.25 percent.
  • New 0.99 Percent Mortgage From HSBC For Squeaky Clean Borrowers You'll need a large deposit and a good credit record - but is this the best mortgage out now?
  • Help to Buy Has Led To Major Increase In 95 Percent Mortgage Availability First-time buyers have 5 times more choice in the market since scheme intro three years ago.
  • People currently under 45 may never own their home A new study claims a large percentage of people will probably be renting for their entire lifetime.
  • view all mortgages news

1.89% Variable

1.99% Fixed to 31/08/2021

Click to view all Mortgage Deals

< loans >

loans calculators

  • Loan Overpayment Calculator Use our Loan Overpayment Calculator to see how overpaying your loan payment can reduce the total cost of your loan.
  • Loans Comparison Calculator Use Our Loan Comparison Calculator To Compare Payments and Costs with up to 3 Loans.
  • Loan Balance Calculator Calculate the remaining balance of your loan.
  • Debt Consolidation Calculator How much can you save by taking out a single loan to cover all your existing debts? Calculate the difference a consolidation loan can make.
  • view all loans calculators

loans guides

  • Loans Guide Read our comprehensive guide to loans, the different types, important terms used and the application process.
  • Loan Or Credit Card Which is better, taking out a new loan or using a credit card - Learn more in our guide.
  • Secured Loan Or Personal Loan Two types of loan are available, secured or personal. What are the differences, pros and cons and which is more suitable for you?
  • Switching Your Loan Can you switch your loan and save money - learn if this is possible and the circumstances where it could work for you.
  • view all loans guides

loans news

  • view all loans news

3.4% Fixed

4.2% Fixed

Click to view all Loan Deals

< credit cards >

credit cards calculators

  • Credit Card Comparison Calculator Use Our Credit Card Comparison Calculator To Calculate Total Costs and Rate Changes with up to 3 Credit Cards.
  • Debt Consolidation Calculator How much can you save by taking out a single loan to cover all your existing credit card debt? Calculate the difference a consolidation loan can make.
  • view all credit cards calculators

credit cards guides

  • Save Money On Existing Credit Cards Can you save money without switching your credit card? Read our guide to find out the methods you can use to save money without applying for a new card.
  • Repay Your Credit Card or Save Your Money Should you repay your credit card or put your extra cash into savings?
  • view all credit cards guides

credit cards news

  • Fall In The Number Of Credit Card Write-Offs Credit card write-off figures dropping.
  • view all credit cards news

MBNA Platinum 40 Mth Balance Transfer Credit Card Visa

Tesco Bank Clubcard Credit Card for Balance Transfers MasterCard

Click to view all Credit card Deals

< savings >

savings calculators

  • Savings Comparison Calculator Compare up to 3 savings accounts to see how much your savings will be worth.
  • view all savings calculators

savings guides

  • Savings Accounts Learn about the different types of savings accounts available, pros and cons and how much of a difference they can make to your funds.
  • Cash ISAs Learn about the Cash ISA, how it works, the limits, and how much you could potentially accrue in a cash ISA account.
  • view all savings guides

savings news

  • Savings Paid Tax Free From Today Banks and Building Societies to no longer deduct tax on interest on statements.
  • Create Your Savings Plan Online New Savings Calculator Aims To Remove The Guesswork When Deciding How Much To Put Away For Future Goals
  • view all savings news

WeBSave Bonus Saver

Savings Bond

Click to view all Savings Deals

< investments >

investments calculators

  • Investments Comparison Calculator Compare the value of up to 3 investments in the future.
  • view all investments calculators

investments guides

  • Stocks and Shares ISA Learn about the Stocks and Shares ISA, how it works, the limits, the risks and how much you could potentially accrue in a Stocks and Shares ISA account.
  • view all investments guides

investments news

  • Investing in Peer-to-Peer Lending Now Tax-Free Innovative finance ISA now available for tax-free peer-to-peer lending investments.
  • view all investments news

MFM Techinvest Special Situations

R&M UK Equity Smaller Companies B Acc

Click to view all Investments Deals

< pensions >

pensions calculators

  • view all pensions calculators

pensions guides

  • Pensions Guide Learn about Pensions, the types, the terms, the risks and how to plan for your retirement.
  • view all pensions guides

pensions news

  • Exit Charges For Pensions Capped From April 2017 FCA consultation to cap exit charges for pensions to 1 percent of the fund.
  • How will your Pension work out? Find out online with our new Pension Calculator! New Pension Calculator Aims To Allow Fast Pension Planning Based On Goals Or Current Contributions.
  • view all pensions news

< property >

property calculators

  • view all property calculators

property guides

  • view all property guides

property news

  • Post-Brexit Brings a Minor Rise in House Prices The gloomy forecast of a post-Brexit UK economy has been tempered by a minor rise in house prices, but is this a temporary glimmer of hope?
  • view all property news

< general >

general guides

  • Questions To Ask A Financial Adviser We run through the questions anyone seeking advice regarding mortgages, savings, investments or pensions should be asking their adviser.
  • view all general guides

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£75,000 repayment mortgage on a property valued at £100,000 (min 75% LTV). Mortgage Term 25 Years. Costs compared over 3 years.

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£5,000 loan. Loan Term 3 years. Compared Over The Term of the Loan.

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£250 purchase balance and £500 balance transfer. Repaid over 2 years at the higher of 3% minimum payment/£5. Comparing the total cost of credit.

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£1,000 saved over 3 years. Does not take into charges. For non-ISA accounts, 20% tax at source is assumed. You can get a full breakdown when you compare.

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£1,000 invested over 3 years. Does not take into account taxation or charges, you can get a full breakdown when you compare.

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£150 invested every month for 3 years. Does not take into account taxation, inflation or charges, you can get a full breakdown click get more info.

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Search from a small selection of pension plans. For more Consult a Qualified Financial Advisor

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Mortgage Assumptions

  • Fees

    All fees charged will be paid upfront rather than added to the cost of the mortgage.

  • Costs

    Total costs consist of the full monthly payment amount over the comparison period, plus the upfront fees.

  • Offer Period

    When a initial interest rate offer ends, the monthly payment will be recalculated at the standard rate based upon the remaining balance at the time.

  • Tracker and Discount Rates

    With tracker and discount mortgages, please note that the costs will assume the base rate or lenders variable rate stay the same as now for the duration of the comparison.

Loan Assumptions

  • Fees

    No fees have been taken into account.

  • Costs

    Total costs consist of the total INTEREST charged over the term of the loan.

Credit Card Assumptions

  • Fees

    Balance Transfer fees will be added to the balance transfer balance on the card.

  • Minimum Payments

    Payments will be assumed to be made at either 3% of the total outstanding balance or £5, whichever is the higher.

  • Payment Priority

    Balances will be paid off in the following order: 1. Purchases, 2. Balance Transfers.

  • Rate Offers

    When the offer period on a promotional/initial rate expires, interest will be charged at the normal rate.

  • Total Costs

    These take into account the amount of INTEREST charged during the comparison period.

Savings Assumptions

  • Charges

    No charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from earned interest. For other account types, 20% tax will be deducted at the point the interest in paid.

  • Bonus Rates

    When bonus rates expire, the interest rate will revert to the normal rate advertised. In the case of fixed rate bonds, once the bond period ends, no interest will be paid.

  • Interest Period

    Monthly interest in calculated and paid monthly. Annual interest will be calculated monthly, but paid on the anniversary of the starting date. Interest will be paid pro-rata if the comparison period ends before an anniversary.

  • Total Costs

    These take into account the total value accrued in your savings at the end of savings term. It does not take into account inflation.

Investments Assumptions

The Investments category displays Stocks and Share ISA deals only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the fund.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Total Fund Value

    This takes into account the total value of your fund at the end of invested period. It does not take into account inflation.

Pensions Assumptions

The Pensions Category displays a small selection of pensions only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    No tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the Pension.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Pension Value

    This takes into account the total value of your pension at the end of invested period. It does not take into account inflation.

  • Fixed Rates

    The interest rate charged is fixed for a number of years or until a certain date by the lender.

  • Base Rate Tracker

    The interest rate is set and then tracks the rises and falls of the Bank of England's base interest rate which is decided monthly.

  • Discount

    The interest rate is the lenders standard variable rate, which they decide. The discount period gives you a certain amount off that rate. The rate can be changed at anytime by the lender.

  • Variable

    The interest rate is the lenders standard variable rate, which they decide and can change anytime.

Click the arrows to arrange the product details by the name of the lender, or if you have selected all rates, the type of rate selected.

Click the arrows to arrange the products by the maximum LTV (Loan to Value) allowed by the lenders.

Click the arrows to arrange the products by the initial monthly payment you will be charged for mortgage amount you entered.

Click the arrows to arrange the products by the calculated APR (Annual Percentage Rate). This rate takes into account fees and charges as well as interest.

Click the arrows to arrange the products by the calculated total cost of the mortgage (Amount Paid) over the period selected.

What is the value of the property for which a mortgage is required?

How much do you need to borrow?

  • Capital + Interest

    Payments made to the lender will repay the amount borrowed as well as cover interest.

  • Interest Only

    Payments made to the lender will only cover interest. You will need to put money aside elsewhere in order to be able to repay the actual amount borrowed.

What is the minimum period for which you want the interest rate offer?

For example, for a minimum 3 year interest rate offer, select 3 years.

Tick to remove mortgages that have Early Repayment Charges.

Early Repayment Charges are applied by the lender if you repay the mortgage, or remortgage to a different lender within a certain period of time or date set by the lender. Typically a percentage of the outstanding balance at the point of repayment.

Tick to remove mortgages that have any fees.

Lenders may apply fees such as arrangement, booking or valuation fees when you take out the mortgage.

Tick to only show Buy To Let mortgages. If you are purchasing/remortgaging a property which is to be rented to tenants, this is the type of mortgage you will need.

Tick to only show Offset mortgages. Offset mortgages allow you to use you savings or regular income to reduce the amount of interest you are charged on your mortgage.

How many years do you wish to spread your mortgage over?

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the headline rate (APR) of the loan.

Click the arrows to arrange the product details by the total cost of the loan (Interest Charged) over the time period selected.

Over how many years do you wish to spread this loan?

Tick to show only loans that include some form of payment break

Tick to show only loans that are available to homeowners.

Tick to show only loans that are available only to existing customers of the lender.

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the purchase rate (APR) of the credit card.

Click the arrows to arrange the product details by the balance transfer rate (APR) of the credit card.

Click the arrows to arrange the product details by the headline rate (APR) of the credit card.

Click the arrows to arrange the product details by the total cost (Interest Charged) of repaying your chosen balance over 24 months.

Show only credit cards that allow balance transfers.

Show only credit cards that provide some form of cashback.

Show only credit cards that have a reward scheme.

  • Easy Access

    Regular savings accounts which may have short or notice period if you need to withdraw funds.

  • Cash ISA

    Tax Free savings, allowing you to deposit up to a maximum of your annual cash ISA allowance every year.

  • Fixed Rate Bonds

    Bonds where you deposit an amount of money away for a certain period in return for a fixed level of interest.

Click the arrows to arrange the product details by the savings institution.

Click the arrows to arrange the product details by the notice period to withdraw funds. For Bonds, this period will be the length of the bond.

Click the arrows to arrange the product details by the rate (AER).

Click the arrows to arrange the product details by the total amount saved depending upon the amount you wish to save and the period over which you are saving it.

How much money do you have to deposit?

Show only cash ISA's where you can transfer funds from an existing ISA.

Show only savings where you are permitted to make withdrawals.

  • Ethical

    Stocks and Share ISA's where your money will only be invested into growth funds purchasing stock in companies that are socially, ethically and environmentally responsible.

  • Income

    Stock and Share ISA's where your money will be invested into high dividend payout companies, in order to generate a tax free income from your savings.

  • Pick Your Own Fund

    Stock and Share ISA's where your money can be used to purchase units from funds you pick from.

Click the arrows to arrange the product details by the institution name.

Click the arrows to arrange the product details by the risk level.

Click the arrows to arrange the product details by the past performance level. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the fund value after the chosen period. If it is an income ISA, this will show the growth of the initial fund.

Click the arrows to arrange the product details by the name of the pension provider.

Click the arrows to arrange the product details by the past compounded annual growth rate of the pension plan. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the pension value based upon the amount you are investing and period invested (figures are created using the past compounded annual growth rate).

How much will you be investing monthly into the pension, gross?

Enter the minimum past annual growth percentage for funds you wish to see.

Disclaimer

This site is designed to give you an understanding of financial products out in the wild, preparing you for proper professional advice.

We have provided guides, tools, a selection of deals (lowest rate and/or fees) but expect you to seek full professional advice with a whole of market adviser before making any decision.

Use the information provided at your own risk, we're not providing advice and errors can be made. Calculations made on the site are estimates, therefore in places assumptions or approximations may be used. We cannot accept responsibility nor are liable for any mistakes.

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Please read our full disclaimer.

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