Financial offers & comparisons

Last updated: 6 July 2026

Before you choose a financial product, work out its real cost with our calculators, then compare offers from several providers. Below are practical pointers on what to look for in each category so you can decide with confidence.

Personal loans

Compare the APR, not just the monthly payment — the APR includes interest, arrangement fees and other charges, so it reflects the true price of the loan. Check the arrangement fee, early-repayment terms and any add-on loan insurance. Before you apply, work out the payment and total cost in the loan calculator, and your route out of debt in the debt payoff calculator.

Mortgages

Over decades, every fraction of a percent matters. Compare the lender's margin, the APRC, the deposit required and fixed versus variable rates. Estimate the payment and the impact of rate changes in the loan calculator, and weigh renting against buying in the rent vs buy calculator.

Car insurance

Third-party cover may be the legal minimum, but comprehensive and breakdown cover vary a lot between insurers — compare the scope of protection, not just the price. On a new car, consider GAP insurance, which protects against value loss after a write-off or theft. Work out the yearly running cost in the car cost calculator, and how fast the car loses value in the depreciation calculator.

Savings accounts

Look at the real return — after tax and after inflation, which erodes the purchasing power of your savings. Watch for promotional rates that last only a few months and caps on the balance that earns the headline rate. See how savings grow in the compound interest calculator, and how inflation bites in the inflation calculator.

Finrato is for information only and does not provide financial advice or sell products. We only work with authorised providers; some outbound links may be affiliate links — if you use them we may earn a commission at no extra cost to you. See our legal information for details.