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

  • In these tougher economic times, many people are turning to their home as a source of income, which is something that an equity release mortgage can assist with.

  • With banks now having less money to lend than before, maintaining a good credit rating has never been as important. While we are all familiar with the basic issues of keeping up with payments and servicing our debts in a timely manner, there are other things you can do to ensure your credit rating stays as healthy as possible.

  • We learned today that Promise Solutions have come to the market with a new Secured Loan product aimed at those homeowners with with poorer credit records. The features of this new Secured Loan products are:

  • Changes to the mortgage market currently being debated in Brussels stand to have a major impact on that most loved of British institutions, the Buy-to-Let mortgage, if they come into force in 2013 as is being mooted.

  • A new service launched this week that aims to save all house buyers and sellers the heartache and hassle that occurs when the other party pulls out before contracts are exchanged.

  • At the start of this year the most you could borrow was 90% LTV however there are now an increasing number of Lenders braving the 95% threshold.

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