Choice Blog

"An investment in knowledge pays the best interest." - Benjamin Franklin.


From personal finance, to funding options, the Choice Blog is full of news, updates, tips and helpful information. Read our latest posts to keep up with the funding options available to consumers and the broader personal lending environment.

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Unsecured Loans

Business is bouncing back, but what’s the cost?

Last post: Feb 14, 2022

Over 1.6 million businesses have taken government backed coronavirus support loans and for most, this would have been to plug a hole and keep bills paid. Many will now be feeling the pinch since repayments have kicked in and are unable to apply for further loan funding for expansion and recovery. If the business is clearly still viable and is able to prove that they have now turned the corner, we may be able to turn to alternative finance options.

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Secured Loans

What do lenders consider when arranging secured loans?

Last post: Sep 20, 2018

Once upon a time, a payslip, a valuation and quick credit search were all that was required to arrange a secured loan (second charge mortgage). Today processes and regulations are, quite rightly, much more stringent.

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Guarantor Loans

How to create a plan that will persuade a guarantor

Last post: Sep 25, 2018

Create a financial plan which shows your prospective guarantor that you’re able to take responsibility for your loan. These helpful tips will help you present your finances in a clear, convincing way.

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Personal Finance

Could the “50/20/30 Rule” save you money?

Last post: Sep 27, 2018

Are you looking to boost your budget and nurture your savings? Committing to a rigid plan can be a helpful way to get serious. The 50/20/30 rule is one popular option which many savers swear by.

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Recent Blog posts

  • The FCA have offered new guidance on the regulation on consumer markets. Here we comment on the key points.

  • The telephone directory service company has just launched 118 118 Money that will offer personal loans to consumers having a hard time getting credit from mainstream lenders. Loans can be for as low as £1,000 up to £5,000 with annual interest rates ranging from 36% to 80%.

  • Payday lenders will be facing stricter rules from the Financial Conduct Authority (FCA) in a drive to prevent lenders from “preying” on borrowers and compelling them into serious debt problems.

  • Over the last few years we have seen house prices in America plummet and mortgage rates with them making them much more affordable.

  • As part of our ongoing effort to expand the services we can offer our Introducers and clients, we are pleased today to be able to say that we have started working with EveryDay Loans to provide unsecured loan finance of up to £10,000 to eligible UK applicants.

  • Loans Warehouse, one of the country’s leading secured loan brokers, has today surprised the secured loan market by launching their own lending vehicle, Clearly Loans. Leaning on their own experience in this market and partnering with ex-Investment Banker Gary Monaghan, they have decided to compete for a piece of one of the fastest growing loan markets in the UK.

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