We do not offer any financial advice and we never will.
We are a journalistic website that offers information and reviews on popular financial products such as loans, mortgages, credit cards, car leasing and other related finance products. We may also discuss ways in which you can make money as a ‘side hustle’ or other ways in which you can save money. We may even keep you updated on competitions or show you ‘money hacks’.
Unlike other sites out in webland, we do not take fees from any product provider or lender.
If we talk about a product such as a guarantor loan, we do so in the knowledge that we will not get paid by anyone we discuss. Therefore, if we write a fairly positive review of a guarantor loan lender, we will not be paid by them if the web visitor decides to apply for a loan with them.
This is known as affiliate marketing and we don’t get involved with that in any way, shape or form.
Again, other sites will be paid by the lender or product provider that you click the link to; We won’t as we do not have a single affiliate link on this site.
We are completely independent and do not get paid for a single, solitary link that you may have clicked on and took action with.
So how do we make money?
We use adverts on the site. You may notice adverts on our site and if you click on them, we receive a small fee. We have little control over what ads appear on our site and we cannot force anyone to click on an ad – even when you read one of our in-depth product reviews. You will see them when you surf our site but if you don’t click on them then we won’t make a penny and that is how it should be.
This allows us to write exactly what we want. Again, unlike other sites, we can write an honest review safe in the knowledge that we are ‘not in the pocket’ of the company we are reviewing and that is how it should be.
Don’t believe what a broker or price comparison site tells you
When a company (usually a credit broker or broker to you and I, or a price comparison site) says that that by applying via them won’t cost you a penny more, they are usually wrong. The lender will make sure to add a an extra fee on top of your loan to ensure they can pay the broker or price comparison site for referring the ‘lead’ over to them. That’s how ‘credit broking’ or ‘price comparison works’.
This report into how you could be worse off with a price comparison site makes interesting reading.
We are different to everyone else. If you don’t feel we are then challenge us – we are more than happy to put our integrity next to every other single website in the UK.
The Money Mafia – How a personal finance site should be.