Mortgages
A mortgage is a loan secured against a property. Affordability, deposit, fees, interest rate, term and repayment options are important to understand.
- Review total cost over the full term
- Consider rate changes and affordability
- Seek independent guidance if needed
Personal loans
Unsecured personal borrowing may help fund a planned expense, but repayments must fit your budget.
- Compare APR and total repayable
- Understand late-payment consequences
- Borrow only what you can afford