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

  • While we are still some way away from a definitive resolution, according to the Council of Mortgage Lenders (CML) exemptions being added to the European Commission’s Mortgage Directive now seem to indicate that Buy to Let mortgages in the UK will not be regulated.

  • Leeds BS has launched a new 2 year fixed rate deal at 1.99%, making it one of the lowest fixed rate deals in the market.

  • Secured loans are the most popular way in the United Kingdom for people to raise the extra capital that they need, but there are also a few other ways of going about this process. The most widely used alternatives are undoubtedly unsecured loans and remortgaging, but why should every homeowner always look into secured homeowner loans before even considering the other two options mentioned?

  • The UK Secured Loans market is enjoying strong growth recently as many new lenders have entered the market providing borrowers with many competing options, even secured loans for bad credit borrowers.

  • A review of secured loan options in the UK

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