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

  • Before answering the question “ how does entering into an IVA affect me?” let’s look at what an Individual Voluntary Arrangement (IVA) is.

  • Statistics released by the French National Real Estate Federation (FNAIM) show that real estate sales in France fell by 25% last year. Investors and home-seekers looking to own property in France would do well to seize this opportunity; the slump in prices and sales is expected to continue well into 2013, according to French Property News.

  • We have predicted that there would be more growth in the secured market this year and this would be matched by more innovation from lenders with new products, higher LTVs, higher loan amounts and lower interest rates.

  • There are an increasing number of people here in the UK in financial difficulty for a variety of reasons. Whether that is due to your business ceasing to trade, over-committing yourself financially or perhaps being made redundant and therefore struggling to meet your commitments.

  • For many years since the credit crunch one of the toughest markets to get finance in has been the Unsecured loan market.

  • The ‘silver lining’ in the cloud that has been the credit crunch of the past few years is that many - arguably previously wildly overpriced - assets have depreciated in value to more affordable levels. Nowhere is this more true than in pockets of the US property market often popular with British buyers such as Florida, California and beyond.

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