Skip to main content

About is a financial information website, established in 2005.

We can guide you in the right direction, we offer money saving tips, and we can highlight the pros and cons of products. But, we don't know the ins-and-outs of your financial circumstances, so we can't offer 'advice' - and nothing on this site should ever be construed as such.

If you think you need 'proper' finance advice, you should seek out a qualified IFA.

Advertising on TV is very expensive, and watching the same advert in every break can be very annoying. We believe in keeping our costs down, so our partners can keep their costs down, and pass the savings on to you.

We welcome your feedback, so please feel free to send us a message via our contact us page.

Great! We're always looking for interesting stories. We can't promise you a link (and we can't be bought), but if you have something interesting and relevant, simply fill in our newsdesk contact form, and our editoral team will assess it

Our corporate social responsibility policy outlines our environmental commitments. Of course, there's always more that can be done, but we are always looking for ways to reduce the impact we make on the environment

Credit FAQ

APR stands for 'Annual Percentage Rate' and relates to the interest charged for borrowing money (via loans or credit cards for example) over one year, including any fees. This makes comparing products easier, and doesn’t allow providers to hide charges, whilst offering a seemingly competitive interest rate
'Representative' means that at least 51% of any provider's applicants must receive this rate. Of course, that leads to the assumption that up to 49% of the other applicants are offered another (often less advantageous) rate

A representative example is a summary of the interest and charges associated with any form of credit. For loans this must include the rate of interest (and whether this is fixed), and the total cost and amount of the credit (including any fees).

Because credit cards offer revolving credit, rather than a fixed amount, the representative example included on all credit card listings are usually based on a credit limit of £1,200 (this can be lower for cards that don't offer such a high credit limit), and must include the Representative APR (the interest rate at least 51% of customer would receive), and the annual purchase interest rate (and wether these interest rates are fixed or variable)

EAR stands for 'Equivalent annual rate' and is related to the interest bank account providers charge for using an overdraft continuously over one year. It is worth noting that this rate does not include any fees you may be charged for exceeding your overdraft limit

Savings FAQ

AER stands for 'Annual Equivalent Rate' and is relates to the overall interest earned on savings or investments over one year.  This is particularly useful as some accounts are offered with a high initial rate which then lowers after a few months, so quoting an interest rate alone doesn’t tell the whole story. The AER tells you what that will mean over the course of a year, including the effect of compound interest, making comparing products side-by-side much simpler