Debt and borrowing

Taking control of debt, getting free debt advice, and how to borrow affordably

Before you borrow

Find out if you need to borrow money and whether you can afford it. Learn how to work out the true cost of borrowing.

Taking control of debt

Where to get free debt advice, how to speak to the people you owe money to, and tips to help you pay back your debts in the right order.

Mortgage and rent problems

Help if you're struggling with your mortgage or rent payments and information on government support if you can't pay your mortgage.

Help with loans

Learn about how personal loans work, better alternatives to payday loans, and help when borrowing from a credit union.

Credit cards and credit ratings

Find out how to manage a credit card, how to check your credit report, and tips on how you can improve your credit rating.