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

  • Many brokers and consumers have an adverse view of secured loans, based on misinformation and misconceptions, which may mean they're missing out on better terms and deals.

  • Asking somebody to be your guarantor, whether it's a friend, a family member or even a colleague, can be tricky. You need to be 100% certain you can meet repayments and they need to be positive too. Presenting them with a clear budget could make all the difference.

  • With the end of the summer holidays looming, it's time for parents to start gathering back to school kit for their youngsters. Here's how to reduce the cost of school equipment.

  • Whether you've had a nasty knock, a breakdown or your car's a total write off, staying on the road is often essential. Here's how to cover the costs...

  • Making careful use of a secured loan could help you improve your credit score – great if your numbers need some massaging. Here's how it works.

  • Making a big purchase can be an incredibly stressful process, whether you're buying replacement white goods or a new car. Here's how to avoid three common errors commonly made when "splashing out".

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