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

  • You’ve taken on a guarantor loan. You’ve persuaded your guarantor to sign on the dotted line and don’t expect any issues. Unfortunately, financial problems arise. Before you panic, here’s why you should talk to your loan provider ASAP.

  • Chatbot style apps, which claim to help you look after your finances more effectively, are on the rise. But can an artificially intelligent (AI) robot really make you better at money?

  • An Innovative Finance Individual Savings Account, also known as an IFISA, is a tax-free savings vehicle in which individuals can invest in non-traditional or "innovative finance" options.

  • If you're self-employed, you may have found accessing certain financial services to be a bit of an uphill battle in the past. Here we explain why and offer some information about accessing flexible finance when you work for yourself.

  • The UK is becoming a nation of nesters. Over the past four years the number of homeowners choosing to make home improvements instead of making a move has shot up five fold, rising from 3% to almost 15%.

  • There’s happy news for a London couple who used a guarantor loan to fall pregnant through costly IVF treatment after 23 years of trying.

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