Matt Wiseman, Author at The Money Hub

Credit Agencies and the Impact of Credit Score

Terms like credit score, credit report, and credit agencies can trigger nightmares even in the cleanest citizen. It is easy to understand why. Accessing a loan or even getting a credit card can be extremely difficult unless you have a good credit history. Nevertheless, most people find it hard to understand the mechanics of credit agencies. In this article, we aim to throw some light on the matter. Find out which credit agencies are in the UK, what data they use to generate your report, and how the credit score impacts your borrowing potential. Credit Agencies in the UK Credit [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0027 February 2019|Advice, Blog, Debt, General Interest, Loans, Mortgages|Comments Off

Self-Build Mortgage – All you need to know

Building your own home could remain just a dream unless you manage to put your finances in order before starting the project. A self-build mortgage specialist is perhaps the only way to get the funds you need, but what is it, and how to access one? Find out how this type of mortgage works, which are its risks, and what to consider before applying. What Is a Self-Build Mortgage? A self-build mortgage is a specialist residential loan taken out on a property you are building yourself. What makes it different from a standard home mortgage is the way the funds [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0011 February 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

Investing in the Housing Market or FTSE

Investing your hard-earned money is one of the most challenging decisions you’ll face as a new investor. Should you invest in the housing market or FTSE? Both are good starting points for a novice and even provide similar returns. However, FTSE comes with a wealth of benefits that put off the housing market. Here’s what you should weigh in on. Risks While it is true that all investments come with associated risks, some investments are simply riskier than others. FTSE means you could lose your entire investment, but you can lose nothing beyond that. Things are different in the housing [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0028 January 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

How much do Credit Cards really cost?

Credit cards can often seem like an easy solution to that all-too-common problem. Too many bills and not enough money. Then Christmas comes around before we know it, and your credit card seems like the only way you can buy those must-have gifts. The same can be said for birthdays and other special occasions. On top of all that there are also unexpected expenses like car repairs and appliance breakdowns to pay for. At times like these, when your monthly income is already accounted for with the usual expenses. If you need that extra help, your credit card can seem [...]

By Matt Wiseman|2026-10-30T17:21:39+00:0028 November 2018|Advice, Blog, Credit Cards, Debt, General Interest|Comments Off

The Importance of having Life Insurance

What is Life Insurance? Life insurance is a policy that pays your dependants money as a lump sum, or as continual payments when you die. It is designed to give you the peace of mind that your dependents will be financially secure after you are gone. This helps your family to cover funeral costs, and continue to pay the bills after you are gone. Like other insurance policies, such as car insurance and home insurance, it is paid on a monthly basis. The total money paid to your family depends on the level of coverage you purchase. The amount you [...]

By Matt Wiseman|2026-10-30T17:21:40+00:0012 November 2018|Advice, Blog, Insurance, Life Insurance|Comments Off

How Cheap are Cheap Loans?

Cheap loans seem to have grown in popularity over the last decade or so. Many financial experts put this down to the financial collapse a few years ago. This drove the need for cheap loans to help out families that were in tough financial positions. Even though the financial market has healed, we still see plenty of cheap loans available and being used. The question is, are cheap loans actually cheap? They’re touted as an affordable loan that anyone can buy to relieve them of financial distress. In this blog, we will take a look at cheap loans and figure [...]

By Matt Wiseman|2026-10-30T17:21:40+00:0028 November 2016|Advice, Blog, General Interest, Loans, Secured Loans, Unsecured Loans|Comments Off

What is a Bridging Loan?

Some people have heard of bridging loans but still don’t fully understand what they are. A bridging loan is a short-term funding option for people who need money quickly. They can be short-term loans in emergency circumstances, but mostly they refer to property transactions. The only thing with this kind of loan is that it can be more expensive than a regular loan. Let’s go into more detail: What is a Bridging Loan? This loan ‘bridges the gap’ for you between buying a new house and selling your old one. Some even use a bridging loan to buy a house [...]

By Matt Wiseman|2026-10-30T17:21:40+00:0031 October 2016|Advice, Blog, Bridging Loans, General Interest, Investments, Loans, Property|Comments Off

Pros and Cons of Debt Consolidation

If you have found yourself with an amount of debt that seems impossible to pay, odds are you have been considering debt consolidation. What is debt consolidation and how could it help you in this situation? With debt consolidation, multiple loans can be added up to a sum that is easier to pay. Some of your debt will be paid off while the rest will be paid on a per-monthly basis. However, before you jump on this possibility, you need to consider that there are both positives and negatives. Being aware of both will allow you to make a completely [...]

By Matt Wiseman|2026-10-30T17:21:40+00:005 October 2016|Advice, Blog, Debt, General Interest, Secured Loans, Unsecured Loans|Comments Off

What are Bad Credit Mortgages

For most people, owning a house is only possible by borrowing money to buy it. Mortgages are long-term home loan product that gets taken out by thousands of people each year in the UK. Typically, lenders agree to fund home purchases and get repaid over a period of 25 years or so. These days, the criteria for getting accepted for a mortgage are quite high. There's no denying this is thanks, in part, to the credit crunch. Many applicants find they cannot get approved for a mortgage nowadays. The reason is usually down to problems with their credit rating or [...]

By Matt Wiseman|2026-10-30T17:21:40+00:0015 September 2016|Advice, Blog, Debt, General Interest, Investments, Mortgages, Property|Comments Off

Where to Invest your Money

Knowing where to invest your money is a challenge. There is no shortage of options out there, but which is the best for you? It depends on how much you have and how hands-on you want to be as an investor. Here are five top options to consider. Property Property is a great investment option, as it can generate ongoing passive income and can become a good long-term investment if the value increases over time – which is why so many people are trying it out. Becoming a buy-to-let landlord, however, is certainly not an easy job. There are costs [...]

By Matt Wiseman|2026-10-30T17:22:16+00:0017 August 2016|Advice, Blog, General Interest, Investments, Property, Savings|Comments Off

About Matt Wiseman

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