Guides & Resources
The latest tools, guides and resources from the Squared Money team.

Loan Guide & Resource Categories
If you’re interested in learning more about loans and how they could benefit your financial situation, we invite you to explore our comprehensive resources. Our guides cover everything from the basics of what loans are to more detailed aspects like how they can impact your credit score and the specific requirements for securing a loan against property.

How to Use Debt Consolidation to Reduce Interest Rates
High-interest debt can feel like a financial trap, with repayments that seem to barely chip away at the balance. Debt consolidation offers a practical solution, allowing borrowers to combine multiple debts into a single payment at a potentially lower interest rate. By reducing your interest costs, you can pay off your debt faster and save money in the long term.
This guide explains how debt consolidation works, explores the best options for lowering interest rates in the UK, and provides actionable tips for choosing the right solution.

Secured Loans for Renters: Options Without Property Ownership
Secured loans are often associated with homeowners who use their property as collateral, but renters can also access secured loans by leveraging other valuable assets. Whether you’re a tenant seeking a loan for large expenses or debt consolidation, it’s possible to secure financing without owning a home.
This guide explores how renters in the UK can qualify for secured loans, the types of collateral that can be used, and the benefits and risks involved.

Can You Use a Home Improvement Loan for a Second Property?
Renovating a second property or holiday home can be an exciting venture, but financing it requires careful planning. Whether you’re looking to upgrade a buy-to-let property or turn a holiday home into a luxurious getaway, home improvement loans can provide the funding you need. This guide explores the options available, eligibility requirements, and key considerations for using a home improvement loan for a second property.

Applying for a Secured Loan Without a Credit Check
For borrowers with poor credit or limited credit history, the idea of a secured loan without a credit check may seem appealing. These loans rely on collateral, such as property or a vehicle, rather than your credit score, making them accessible to individuals with adverse credit profiles. However, they also come with significant risks, including higher interest rates and limited lender options.
This guide explains how secured loans without a credit check work in the UK, the risks involved, and alternative options to consider.

Home Improvement Loans for Renters: Can You Qualify Without Ownership?
Home improvement loans are often associated with homeowners looking to fund renovations or upgrades. However, renters also have options when it comes to improving their living spaces, even without property ownership. Whether you’re looking to redecorate, add furniture, or make energy-efficient adjustments (with your landlord’s permission), there are financing options available for tenants.
This guide explores how renters can qualify for home improvement loans in the UK, alternative funding solutions, and practical tips for navigating the process.

Can I Consolidate Debt If I’m Unemployed?
Managing debt while unemployed can feel overwhelming, but there are still options available to help you consolidate and manage your repayments. This guide explores practical solutions for unemployed borrowers, focusing on consolidation options, eligibility requirements, and strategies to regain financial stability.

Payday Loans vs Bad Credit Loans: What’s the Difference?
For many people facing financial challenges—especially those with poor credit scores—securing funding can feel like an uphill battle. Payday loans and bad credit loans are two common options that might appear to solve immediate cash-flow concerns. However, these lending products differ significantly in terms of interest rates, repayment structures, and long-term impact on your finances. Understanding these differences is essential to making an informed decision and, most importantly, avoiding a cycle of unmanageable debt.
In this article, we’ll compare payday loans vs bad credit loans in the UK, looking at how each works, the pros and cons of each option, and what you should consider if you’re exploring either route. We’ll also discuss potential alternatives to payday loans and share key insights to help you choose the right path for your financial situation.

Secured vs Unsecured Loans: Which Is Right for You?
Learn more about the difference between secured loans ad unsecured loans.

Debt Consolidation for Homeowners: Using Equity for Consolidation
For homeowners managing multiple debts, leveraging property equity can be a smart way to consolidate and simplify repayments. This guide explores how equity release works for debt consolidation, its advantages and risks, and when it might be the right choice for you. By the end, you’ll understand how to make informed decisions about using your home as a financial tool to regain control over your finances.

Debt Consolidation for Students and Recent Graduates: Managing Education-Related Debts
For students and recent graduates in the UK, managing multiple debts can be a daunting challenge. From tuition fee loans to credit cards and overdrafts, balancing repayments while navigating early career or academic life requires careful financial planning.
Debt consolidation offers a way to simplify repayments and potentially lower costs by combining multiple debts into a single loan. This guide explains the options available to students and graduates, along with practical advice to manage debts effectively.

Can I Transfer My Secured Loan to Another Property?
If you have a secured loan tied to a property but plan to move or refinance, you may wonder whether the loan can be transferred. In the UK, transferring a secured loan—also known as porting—isn’t always straightforward, as it depends on your lender’s policies and the specifics of your loan agreement.
This guide explores the feasibility of transferring a secured loan to another property, the benefits and challenges, and what to consider before making the move.

Debt Consolidation for Freelancers: Managing Irregular Income
For freelancers and self-employed individuals, managing debt can be challenging due to irregular income streams. Debt consolidation loans can simplify repayments, reduce interest rates, and provide financial stability. This guide explores how freelancers can consolidate debts effectively while navigating the challenges of variable earnings.