Borrowing money is a decision people make quickly and then live with slowly. These 12 guides cover home loans including fixed rate, mortgage specialists, renovation loans, car loans, personal loans, business loans, credit loan companies, money lenders, pawn shops and crowdfunding platforms. Each explains what the product is for, how it is normally structured and what to check in the terms – the rate, the lock-in, the fees, and what happens if you repay early. Rates change often, so confirm the current figures with the lender directly. Before signing with any money lender, check they appear on the Ministry of Law’s register of licensed moneylenders. That single step prevents most of the trouble in this category.

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Related sections: Credit Cards (33) · Investing & Insurance (26) · Bank Accounts & Savings (21)