The loan term is the single biggest driver of total cost, more so than the interest rate. This guide explains how terms work across product types, how to match the term to the purpose, and when the product route shifts from unsecured to secured lending. All figures are illustrative.
Answer a short set of questions about what you need to borrow, how much, whether you own a property, and your credit profile, and the tool suggests the borrowing types most likely to suit your situation. Each result links to the relevant guide, calculator, and eligibility checker. The tool does not assess eligibility or recommend specific products. All suggestions are based on general suitability.
Select one or more energy efficiency improvements, enter your annual energy spend, and see the estimated annual saving, simple payback period, and 10-year net position. Stack multiple improvements to see the combined effect with diminishing returns modelled. Includes a financed payback panel showing the net monthly position if the improvement is funded by a loan, a carbon reduction estimate, and current government grant information. All figures illustrative.
Compare the financial outcome of buying a property versus continuing to rent over the same period. Models equity build, stamp duty, maintenance costs, investment growth on the deposit, and the monthly cash flow difference. Includes a breakeven timeline, sensitivity panel for house price growth assumptions, and a full cost breakdown. All figures illustrative, using 2025/26 stamp duty rates.
Enter your pension pot and target annual income to see how long the pot lasts under three drawdown strategies: fixed withdrawal, inflation-adjusted, and percentage-of-pot. Includes a State Pension offset, tax-free lump sum modelling, sustainability thresholds, and a depletion chart showing all three strategies side by side. All figures illustrative, based on 2025/26 rates.
Compare PCP, Hire Purchase, and a personal loan side by side on the same vehicle price. See which has the lowest monthly payment, which costs least overall, and what you own at the end. Includes a balloon payment breakdown, depreciation context, equity position comparison, and PCP mileage cost note. All figures illustrative.
Enter your salary, select your student loan plan and pension contribution, and see your monthly and annual take-home pay after income tax, National Insurance, student loan, and pension deductions. Covers England, Wales, Northern Ireland, and Scotland, with a marginal rate insight, salary sacrifice comparison, and full tax band breakdown. All figures illustrative, based on 2025/26 rates.
Answer six questions about your property, borrowing need, existing mortgage, and circumstances to see which type of equity access product may be worth exploring. The tool covers HELOCs, standard secured loans, remortgages, personal loans, and equity release, and suggests a starting point based on your answers. It is a research tool, not advice.
Enter up to six planned draws with their timing and amount to see the actual payment profile, interest cost, and saving compared with a lump-sum loan. Unlike equal monthly draw models, this planner reflects your specific spending pattern, whether that is staged builder payments, termly school fees, or a single draw. All figures are illustrative and exclude fees.
Enter your property value and outstanding mortgage to see how much HELOC facility your equity position supports at five LTV tiers. Lower combined LTV typically qualifies for a more competitive rate. The calculator shows the available amount at each level so you can see the trade-off between borrowing more and borrowing at a better rate. All figures are illustrative and subject to affordability.
Compare the total interest on a standard secured loan versus a HELOC drawn gradually over the draw period. Enter both quoted rates to see which costs less at your specific figures. The HELOC can be cheaper despite a higher rate when the rate gap is small enough for the gradual draw saving to offset the difference. All figures are illustrative and exclude fees.
Calculate the monthly payment and total interest on a HELOC under two scenarios: drawing the full amount on day one and drawing gradually over the draw period. See how the staged drawdown structure saves interest by carrying a lower average balance in the early years. All figures are illustrative and exclude fees.
Five illustrative scenarios showing how different homeowners use a HELOC in practice. Covers a phased kitchen extension, debt consolidation, school fees drawn termly, a buy-to-let deposit, and a contingency facility held undrawn. Each scenario includes the borrower’s situation, a worked cost example with verified figures, and the specific risks to watch for. All names and figures are fictional and illustrative.
A HELOC lets families draw each term’s fees as they fall due, paying interest only on the amount drawn rather than borrowing years of fees upfront. This guide covers how to structure a school fee funding plan using a HELOC, including phased drawdown, planning for years beyond the draw period, the total cost picture, and how a HELOC fits alongside other funding sources.
Every borrowing product carries risks, but some of the risks of a HELOC are different from those of a standard secured loan. This guide separates the risks unique to HELOCs (re-drawing, variable rate exposure, draw period transition) from the risks shared with all secured lending (property at risk, negative equity, affordability change), covers the risks specific to the current UK market, and sets out practical mitigation for each.
A remortgage is typically cheaper on the borrowed amount, but it means giving up the existing mortgage rate. A HELOC preserves the existing deal but carries higher fees and a higher rate on the borrowed portion. This guide compares the two options with verified cost figures and a framework for deciding which route fits.
The idea of using a HELOC to accelerate mortgage repayment has gained popularity through US personal finance content. This guide examines whether the strategy works in the UK, shows the maths, and covers what UK homeowners can actually do to pay off their mortgage faster without the cost and complexity of a HELOC.
A HELOC is one way to access home equity, but it is not the only option and may not always be the most appropriate one. This guide covers the main alternatives, including remortgaging, standard second charge mortgages, further advances, personal loans, and equity release, explaining when each is better suited than a HELOC.
The headline interest rate is only part of the cost of a HELOC. Lender fees, broker fees, valuation costs, and the decision about whether to pay upfront or add to the balance all affect the total cost over the term. This guide breaks down every fee category, shows the cumulative impact in a worked example, and explains how to use APRC to compare products on a like-for-like basis.
Self-employed borrowers can access HELOCs, but the income verification process is different. This guide covers what documentation is needed, how income is assessed for sole traders, limited company directors, and partners, the common challenges that cause delays or complications, and what to prepare before applying.
Home improvement projects are inherently phased, and a HELOC lets the borrower draw funds as invoices arrive rather than borrowing the full amount on day one. This guide covers why a HELOC suits staged projects, what the interest saving from phased drawdown looks like in practice, the risks to be aware of, and how a HELOC compares with other ways to fund home improvements.
When a HELOC draw period ends, the facility transitions automatically to repayment terms and monthly payments typically increase. This guide covers what happens at that transition, the four main refinancing options available, when refinancing makes financial sense, and what it costs.
Using equity in your primary residence to fund the deposit on a second property is one of the most common reasons homeowners explore HELOCs. This guide covers how the mechanics work, the important distinction between where the HELOC is secured and what it is used for, the stamp duty and tax considerations, and the alternative routes to the same goal.
Adverse credit does not automatically disqualify you from a HELOC, but it changes the picture significantly. This guide covers what counts as bad credit for HELOC purposes, how it affects the rate and terms offered, what steps can improve the position before applying, and what alternatives are available if a HELOC is not accessible.
Most HELOC content online is written for US borrowers. The UK product looks similar on the surface but works differently in almost every respect: shorter draw periods, different fees, no tax deductibility, and a much smaller market. This guide maps the key differences so UK homeowners can separate what applies from what does not.
The amount you can borrow with a HELOC depends primarily on the combined loan-to-value ratio, which is calculated using the full facility limit rather than the amount you plan to draw. This guide explains how the calculation works, shows how much may be available at different property values, and covers why LTV affects the rate you are offered.
Consolidating multiple debts into a HELOC can reduce monthly outgoings, but it involves a significant trade-off: debts that were unsecured become secured against the property. This guide covers the mechanics, the cost comparison, the risks (including the re-drawing risk specific to HELOCs), and when a different approach may be more appropriate.
Most UK HELOCs carry variable rates, but fixed-rate options are available from some providers. This guide compares the two structures, covering how each works, what the practical trade-offs are, and what to consider before choosing one over the other.
HELOC eligibility in the UK is assessed on three dimensions: the property, the income and affordability position, and the credit profile. This guide sets out the typical requirements across each, explains how the assessment works in practice, and covers the common situations where eligibility is less straightforward.
A HELOC and equity release both let homeowners access the value in their property, but they are fundamentally different products designed for different situations. This guide compares the two, covering how each works, what each costs over time, and who each is typically designed for, so you can understand which category of product is relevant to your circumstances.
HELOC rates in the UK work differently from standard loan rates. Most are variable, fees are a significant part of the total cost, and comparing rates fairly requires understanding how interest is charged on a fluctuating balance. This guide covers how UK HELOC rates are structured, what affects the rate you are offered, and how to compare products on a like-for-like basis.
A home equity loan and a HELOC both let you borrow against the equity in your property, but they deliver funds in fundamentally different ways. This guide compares the two side by side, covering how each works in the UK, what each costs, and which situations favour one over the other.
HELOC is a term you will encounter frequently when researching borrowing against your home, but almost all the information online is written for the US market. This guide explains what a home equity line of credit is, how the UK version works, what it costs, who it suits, and how it compares with the alternatives available to UK homeowners.
Bridging vs alternatives is rarely a clean comparison in the abstract. This guide works through five common scenarios with illustrative figures, sets out when bridging makes economic sense and when an alternative is materially better, and explains the underlying principle that ties them together.
Calculate your net worth by entering assets across three liquidity categories and liabilities across six types. The tool shows your net worth, a liquidity breakdown, leverage ratio, optional year-on-year trajectory, and approximate benchmarks by age group based on ONS Wealth and Assets Survey data.
Calculate land transaction tax for property purchases across England and Northern Ireland (SDLT), Scotland (LBTT), and Wales (LTT). Choose your buyer type, select your nation, and enter the purchase price to see the tax due, the full marginal band calculation, and the threshold negotiating insight that shows whether a small price reduction could save a meaningful amount in tax.
Compare the true cost of using savings or an ISA versus taking a loan for a purchase or expense. The tool shows the foregone compound growth of withdrawing from savings alongside the total loan interest cost, across your chosen period, so the lower-cost option is clear rather than assumed.
Find out the true daily cost of a loan by dividing total interest across the full term. Enter a loan amount, APR, and term to see the daily cost, everyday comparisons, how the daily cost changes across different APRs and terms, and what the total interest would be worth if saved or invested instead.
Map your monthly income against 15 spending categories across the needs, wants, and savings and debt buckets, and see how your actual split compares against the 50/30/20 rule. Includes a gross income toggle with simplified tax calculation, a rebalancer showing what changes would bring each bucket back on target, and a surplus allocation panel projecting what consistent saving of any leftover income could produce over five years.
See how monthly payments on a variable-rate loan or mortgage would change across six rate rise scenarios, from +0.5% to +3%. Enter your current balance, rate, remaining term, and monthly income to get an affordability-coded comparison, the cumulative extra cost over the remaining term, and an optional overpayment offset panel showing how reducing the balance now changes the picture under rate rises.
Compare the financial outcome of directing a fixed monthly amount toward debt repayment versus saving, across your chosen period. The tool shows net worth at the end of the period under each strategy, a split allocation panel covering four options, and a peace of mind toggle for when the non-financial case for debt clearance matters as much as the numbers.
See how inflation reduces the real purchasing power of a sum of money over time. Set a starting amount, a number of years, and an inflation rate to find out what the money would buy in today’s terms at the end of the period, what savings rate is needed to keep pace, and how the same mechanism works in reverse for fixed-rate debt.
Work out how long it will take to save your house deposit, what the true upfront cost of buying will be including stamp duty, and how your deposit size affects the LTV band you would fall into. Includes shared ownership modelling, a household income affordability check, and an illustrative SDLT calculation for England and Northern Ireland.
Plan the monthly saving needed to reach any savings goal by a chosen date. Set your target amount, current savings, any lump sum you can put in now, and your timeline. The tool shows your monthly saving requirement, how saving a little more each month compresses the timeline, and what to do if the gap cannot be closed by saving alone.
Work out how long it will take to build your emergency fund based on your monthly expenses, current savings, and monthly saving amount. Set your target cover period (3, 6, 9, or 12 months), see milestone dates along the way, and use the variable income toggle if your earnings are irregular.
Find out how much you need to save each month to reach your retirement pot target. Set your current age, retirement age, target amount, and expected return, then use the State Pension toggle and contribution growth slider to see how different variables change the monthly figure.
Conventional bridging loans involve interest, which is prohibited under Islamic finance principles. Sharia-compliant bridging does exist in the UK, structured through Murabaha or Ijara arrangements rather than interest-bearing lending. This guide explains how Islamic bridging is structured, what the practical differences are for the borrower, and how to find the right lender and broker for this specialist market.
Retired borrowers and pensioners are often declined by mainstream mortgage lenders because of age caps and income requirements. Bridging works differently: the primary underwriting focus is the property value and the exit plan, not the borrower’s age or ongoing income. This guide explains why bridging suits this audience, the most common use cases, what to be cautious about, and how bridging compares honestly with equity release.
Bridging loan LTV is the gross loan expressed as a percentage of the property’s open market value. How much a lender will offer varies significantly by product type, property, borrower profile, and exit strength. This guide explains how LTV is calculated for bridging, what typical maximum ranges look like across different scenarios, and what factors push those limits down.
Overseas buyers and foreign nationals can access bridging finance secured on UK property, but the application process differs from a UK resident application in several important ways. This guide explains how bridging lenders assess overseas cases differently from mortgage lenders, what makes a case workable, what documentation is required, and why specialist broker knowledge matters more here than in almost any other bridging context.
Stamp Duty Land Tax in England and Northern Ireland must be paid within 14 days of completion. HMRC offers no deferral mechanism, and penalties and interest begin to accumulate immediately on late payment. This guide explains when SDLT funding gaps arise, how stamp duty bridging works, and why identifying the gap before completion produces a significantly better outcome than managing it afterwards.
Probate bridging loans are used in two situations: paying an inheritance tax bill before probate is granted, and releasing value from an inherited property before the estate fully settles. This guide explains how both work, who can apply and when, what lenders assess, and what documentation probate cases require.
When a commercial property purchase attracts VAT, the buyer faces a significant liability at completion that must be paid immediately but can only be reclaimed from HMRC weeks later. VAT bridging covers that gap. This guide explains when VAT arises on commercial property, how VAT bridging works, what it costs, and when a Transfer of a Going Concern might remove the VAT liability entirely.
Limited companies and Special Purpose Vehicles can access bridging finance, but the application process differs from a personal application in several important ways. This guide explains how company bridging is underwritten, what personal guarantees involve, what documents are required, and how bridging differs from development finance for this audience.
Bridging loan interest is quoted as a monthly rate, but the monthly rate alone does not tell you what you will actually pay. This guide explains the three interest structures, how the gross loan and net advance differ, and what the total cost of a bridging facility really looks like once all components are included.
Bridging loans are described as either open or closed depending on whether a specific repayment date has been confirmed before the loan starts. This guide explains what that distinction means in practice, which structure applies to common scenarios, and why most regulated residential bridging loans are open by design.
If you have a history of missed payments, CCJs, or a previous IVA, bridging finance may still be accessible. This guide explains how bridging lenders assess applications differently from mortgage lenders, which types of adverse credit tend to be workable, and what to expect from the process.
If you have found a smaller property you want to buy but your existing home has not yet sold, a downsizing bridging loan can fund the new purchase immediately and be repaid once the sale completes. This guide explains how the finance works, what lenders assess, what it is likely to cost, and how to avoid the most common mistakes.
Fifteen free calculators and planning tools covering every stage of a home energy improvement decision: from identifying which improvements to prioritise, through modelling the financial case for heating, insulation, solar, and EV charging, to planning the timing relative to remortgages and property sales. All tools are free to use in the browser. No data is stored.
Improving a property’s EPC rating before selling involves a cost now for an uncertain return at sale. Research suggests higher-rated properties sell for more, but the effect varies widely by location, property type, and market conditions. This calculator shows the illustrative improvement cost, the indicative sale price uplift range from published research, the net position, and whether the improvement reaches the EPC B threshold that opens access to green mortgage buyers. All uplift figures are indicative estimates with wide uncertainty ranges. This is not property or financial advice.
Should you break your fixed rate now and pay the early repayment charge, or wait until the deal ends? The answer depends on the size of the ERC, the current rate available, and what you expect rates to be when the deal expires. This calculator models all three scenarios plus a fourth option: keeping the existing deal and taking a second charge mortgage for any additional borrowing, so you can see the total cost of each approach over your chosen timeframe. All figures are illustrative. This is not mortgage advice.
Loft insulation, cavity wall insulation, and solid wall insulation have very different costs, savings, and grant eligibility profiles. This calculator shows all applicable insulation types for your property side by side, including illustrative costs, annual savings, EPC band improvements, grant availability under ECO4 and the Great British Insulation Scheme, and the loan case for the net cost after grant. All figures are illustrative. A professional survey is always recommended before commissioning insulation works.
If energy bills take up more than 10% of a household’s income, the household is broadly considered to be experiencing fuel poverty under the widely-used affordability benchmark. This calculator shows what proportion of your estimated income goes on energy, which improvements would reduce your bills the most, and which support schemes may apply to your situation. All figures are illustrative. If you are struggling to pay energy bills now, free support is available from Citizens Advice and your energy supplier’s hardship fund.
When you carry out energy improvements can matter as much as which improvements you choose. Completing EPC works two to three months before a remortgage means your new EPC rating is confirmed before lenders assess your application. Installing a heat pump during a tenancy void avoids disrupting a sitting tenant and meets MEES obligations before re-letting. This timeline planner takes your upcoming financial events and planned improvements and produces a recommended schedule showing when each improvement is optimally timed. All recommendations are illustrative.
Public EV charging at fast chargers typically costs 60p to 85p per kWh. Home charging on a standard tariff costs 20p to 28p per kWh. On 8,000 miles per year the difference is around £800 to £1,000 annually. A 7kW home charger typically costs under £600 to install after the OZEV grant. The payback period is usually under a year. This optimiser models your home charging cost, public charging saving, solar contribution to EV demand, and whether adding an EV changes the optimal battery size for your solar system. All figures are illustrative.
Choosing between two properties? EPC ratings translate directly into annual energy bills that differ by hundreds or thousands of pounds per year. This comparator models the estimated annual running cost difference between two properties, the 10-year total cost including purchase price, and whether improving the lower-rated property to EPC C is likely to be recovered through lower bills or a higher resale value. All figures are illustrative estimates. This is not financial or property advice.
Landlords with multiple rental properties face MEES compliance requirements now and under proposed future standards. This planner takes up to eight properties, each with its current EPC rating, property type, and construction era, and produces a per-property improvement estimate and portfolio total showing the overall cost to bring the portfolio to compliance. Grant eligibility is flagged per property. All figures are illustrative. The proposed EPC C requirement for rental properties has been announced by the UK government but is not yet law.
Battery storage adds to the financial return from solar panels by capturing surplus daytime generation and using it in the evening, rather than exporting it at the lower Smart Export Guarantee rate. But the financial case depends on how much excess generation you actually produce, what your evening demand looks like, and whether you are on a time-of-use tariff. This calculator models the monthly generation and consumption profile to show how much additional saving a battery produces at different sizes, and where the diminishing returns begin. All figures are illustrative.
Improving your EPC rating to A or B before a remortgage can unlock a lower mortgage rate from lenders offering green mortgage products. On a £200,000 mortgage with fifteen years remaining, a 0.2% rate reduction saves approximately £7,500 in interest over the term. This calculator shows whether the cost of EPC improvements is justified by the mortgage rate saving, and whether financing the improvement with a home improvement loan produces a net positive position. All figures are illustrative.
Not sure which energy improvements to prioritise? This sequencer takes your property type, construction era, current EPC rating, fuel type, and what you have already done, and produces a recommended sequence of improvements in order of financial return per pound spent. Dependency rules are applied automatically: insulation comes before a heat pump, solar before battery storage. All figures are illustrative.
Whether a heat pump reduces your heating bills depends almost entirely on what fuel it is replacing and how well-insulated your property is. For oil and LPG-heated homes, the running cost saving is typically significant. For gas-heated homes, a heat pump often costs more to run than the existing boiler at current tariffs. This calculator shows the honest running cost comparison for your situation, including the effect of the Boiler Upgrade Scheme grant on the installation cost. All figures are illustrative.
When a boiler breaks down or approaches end of life, the decision between replacing it and switching to a heat pump needs to account for capital cost, running costs over the next fifteen years, maintenance, and how energy prices might move. This calculator runs a year-by-year cost comparison across all three factors and shows the crossover point where the heat pump becomes cheaper in total. Three energy price scenarios are modelled. All figures are illustrative.
Solar panel savings depend on roof orientation, shading, system size, how much of the generated electricity you use yourself, and the Smart Export Guarantee rate your supplier pays for what you export. This estimator takes all five factors into account and shows your estimated annual generation, bill saving, export income, and whether a loan for the system is financially justified at your figures. All outputs are illustrative estimates.
A loan with no arrangement fee is not automatically cheaper than one with a fee and a lower rate. This comparator shows the total amount repayable on two products side by side. Enter the APR and fee for each, and the tool calculates which costs more in total over your chosen term. The answer changes depending on term length, loan size, and whether you plan to repay early. All figures are illustrative.
This calculator answers the core landlord question before any renovation loan: does the expected rent increase cover the monthly repayment, and when does the cumulative rental uplift overtake the total interest cost? Enter your project cost, illustrative loan details, expected monthly rent increase, and void period to see the net monthly position and break-even point. All figures are illustrative.
Most energy efficiency upgrades take years to pay for themselves through bill savings alone. This calculator shows exactly when your project moves into net positive territory by comparing cumulative energy savings against total loan interest year by year. Enter your project cost, any confirmed grant, your loan details, and an estimated annual saving to see your personalised payback timeline. All figures are illustrative.
The Credit Snapshot tool helps you understand the five factors that typically shape how lenders assess a credit application. Answer a short questionnaire and receive a clear visual picture of your credit profile in about three minutes. The tool does not access your credit file, does not produce a credit score, and is not financial advice.
A secured loan’s headline rate is only part of the cost. Arrangement fees, valuation charges, legal costs, broker fees, and early repayment charges can add several thousand pounds to the total cost of borrowing. This guide explains every fee type, what is negotiable, what APR does and does not capture, and how to use the European Standardised Information Sheet (ESIS) to compare offers fairly.
A secured loan typically takes four to eight weeks from formal application to funds received. The exact timeline depends on the valuation method, the complexity of the case, how quickly documentation is provided, and whether the legal stage encounters any complications. This guide explains what happens at each stage, how the tracks overlap, and what borrowers can do to keep the process moving.
When a secured loan lender assesses an application, they are simultaneously asking two separate questions: is there enough equity in the property to provide adequate security, and can this borrower demonstrably afford the repayments? Both questions must be answered satisfactorily. This guide explains what lenders look at across each dimension, what the thresholds look like in practice, and how different circumstances affect the outcome.
A second charge mortgage and a secured loan are the same product. “Second charge” is the legal and regulatory term; “secured loan” is the consumer-facing name. This guide explains what the second charge designation means in law, why it matters for borrowers, how the product has been regulated since 2016, and how it compares to the alternatives.
When a homeowner wants to borrow against property, two routes are available: a secured loan (second charge mortgage) or a remortgage. Both use the property as security, but they work differently, cost differently, and suit different situations. The right answer depends almost entirely on your existing mortgage terms, specifically whether breaking that deal would trigger an early repayment charge, and how large it would be. This guide explains the mechanics of both, works through the numbers, and provides a calculator so the comparison is based on actual figures rather than generalisations.
See how much time and interest you could save by overpaying your secured loan. Enter your current balance, APR, and remaining term, then model a monthly extra payment, a one-off lump sum, or both. The tool shows gross interest saved, time cut from the term, and the net saving after any early repayment charge. All figures are illustrative only.
Compare the true cost of borrowing more against your property through a further advance from your existing lender versus a second charge loan. The tool calculates total interest, upfront fees, and true total cost for both routes, flags the impact of a fixed rate mortgage, shows a breakeven analysis where relevant, and highlights practical decision signals beyond the headline numbers. All figures are illustrative only.
Enter your monthly income, existing commitments, and the loan you are considering to see whether the repayment is affordable and how it holds up under stress. The tool calculates disposable income before and after the proposed loan, assigns a verdict of comfortable, tight, or unaffordable, and runs three stress-test scenarios. All figures are illustrative only and are not a lender affordability assessment.
Enter your debt balance, APR, and monthly payment to see your estimated debt-free date. The tool models both single debts and multiple debts with avalanche or snowball repayment strategies, shows the balance falling month by month on a live chart, and lets you drag a slider to see how much sooner you could clear the debt by paying a little extra each month. All figures are illustrative only. This is not financial advice.
Enter all your debts and your monthly net income to see your complete debt picture in one place. The tool calculates your monthly payment burden, debt-to-income ratio, and time to clear each debt, assigns a health classification, ranks debts by APR cost, and surfaces relevant tools matched to your specific position. All figures are based on the information you enter and are illustrative only.
Compare the true cost of a consolidation loan against a Debt Management Plan using your own figures. The tool models interest costs, monthly payments, and time to debt free for both routes, generates eligibility signals based on your inputs, and shows the full comparison across cost, credit impact, flexibility, and access. All figures are illustrative only. This is not debt or financial advice.
Enter your debts to see which ones are worth consolidating and which to leave alone. The tool ranks each debt by its consolidation priority using a scoring model based on remaining interest, APR, and balance, then lets you select a combination and see the live cost comparison at a consolidation APR and term of your choosing. All figures are illustrative only.
Enter your existing debts and a consolidation loan to compare the true cost of consolidating. The tool shows whether consolidation saves money overall or just reduces the monthly payment at a higher total interest cost, with a month-by-month cumulative interest chart and a colour-coded verdict on four possible outcomes. All figures are illustrative examples only.
Select the adverse events on your credit file and when they occurred to generate a personalised rebuild timeline. The tool shows when each lender tier typically becomes accessible, a month-by-month impact chart, and a set of prioritised actions for each stage of the rebuild. All timelines are illustrative – actual lender criteria vary.
Compare the true cost of borrowing now against saving up first for a home improvement project. Set your target amount, loan APR and term, and a monthly savings amount with a savings rate, to see the total interest cost of each path, how long saving takes, and the total financial advantage of waiting. All figures are illustrative examples only.
Adjust the loan amount, your APR, and a benchmark rate to see the real pound cost of borrowing across nine APR bands from 6% to 30%. The tool shows total interest, monthly repayments, and the premium you pay above a lower rate across 3, 5, and 7-year terms. Useful for understanding what a higher rate actually costs before applying, and how much a rate reduction would be worth.
Answer questions about your payment history, credit events, current utilisation, and application activity to see how lenders are likely to classify your credit profile for secured borrowing. The tool returns an illustrative tier (clean, near-prime, adverse, or serious adverse), a lender access summary, and specific actions that could improve your position. This is a guide only – not a credit check and not financial advice.
Break your home improvement project into phases and line items, assign costs to payment stages, and build a draw-down schedule if you are borrowing. Start from a kitchen, bathroom, or extension template or build from scratch. All figures are your own estimates – the tool does not generate quotes or guarantees.
See how a home improvement project and its financing fit together week by week. Select your project type and finance method to generate an illustrative timeline showing the quotes stage, planning permission (where required), finance arrangement, contractor lead time, build, and snagging. Includes the typical delay risks at each stage and what to do about them. All durations are illustrative only.
Compare the total cost of a secured loan against an unsecured loan for your borrowing amount. Enter your property details, adjust the illustrative rates and terms for each option, and see which costs less overall, where the crossover point falls, and whether your equity position makes secured borrowing accessible. All figures are illustrative only.
See how much value a home improvement project might add to your property – and whether the return justifies the cost. Based on published UK survey averages across eleven project types, with over-improvement risk flags built in. All figures are illustrative.
If you are self-employed and want to borrow against your home, this classifier works out how lenders are likely to assess your income – based on your trading structure, your accounts, and how different lenders treat each income type. All figures are illustrative.
If you are self-employed and want to borrow against your home, this classifier works out how lenders are likely to assess your income – based on your trading structure, your accounts, and how different lenders treat each income type. All figures are illustrative.