Understanding Borrowing
Soft and hard credit enquiries: two checks with different consequences
Learn how soft and hard credit enquiries differ, what to ask before an application, and why checking your own report is a separate step.
MONEY, MADE UNDERSTANDABLE
borrowing
Borrowing Decisions
Before Guaranteeing a Loan, Find the Limit of Your Commitment
Understand what a loan guarantee can cover, which limits to ask about, and why independent advice matters before signing.
Everyday Finance
A Loan Payoff Quote Has a Date That Your Balance Screen Does Not
Check the date and payment instructions on a loan payoff quote before treating the account balance as the amount needed to close the debt.
Borrowing Decisions
A Payment Holiday Can Pause the Instalment Without Pausing Interest
Before agreeing a payment holiday, compare the balance, interest and repayments that will remain when the break ends.