Flat rate vs reducing balance: why the interest method matters
Two loans can both say “12%” and cost very different amounts. A worked example shows how much the interest method changes what you repay.
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Insights & news
Borrowing Wisely
Understand loans, interest and guarantees before you sign.
Borrowing wisely: how much loan can you really afford?
Qualifying for a loan and affording it are not the same thing. Use these simple checks before you borrow.
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Being a guarantor: what you are really signing up for
Guaranteeing a fellow member is an act of trust — and a financial commitment. Here is what it means for your deposits and how to protect yourself.
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