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

  • One of the outcomes of the Office of Fair Trade’s (OFT) review of the payday loan industry was the revocation of MCO Capital’s consumer credit licence last August. As of today, the online payday loan firm is not allowed to operate and issue loans to UK consumers.

  • Equity release is like selling your house or other object of value and getting a lump sum for this or steady monthly payments, but still maintaining use of the property or object in mention.

  • The expansion in the UK Secured loan market that we have been talking about since January continues. Today it’s the turn of Prestige, the Secured Loan lender taken over by OneSavings Bank last August, as they have relaunched their range of Secured loans - a move that has been eagerly awaited by market participants.

  • The OFT shows its teeth with the PayDay Loan market - and about time too!

  • Good news for first-time home buyers, 100% mortgage is now available from Bath Building Society.

  • A rate increase from Bank of Ireland

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