No selling. No jargon. Just the facts about making the most of your money. Our guides here to help you. No selling. No jargon. Just the facts.

This will pay the monthly repayments (or part of them) on your loan or credit card for a fixed period – usually 12 or 24 months – if you can’t work because of illness or

Ulster Bank: Step Account 16 No Yes £10 Visa debit Yes Yes Yes Undischarged bankrupt, record of fraud. Yorkshire Bank: Readycash 16 No Yes £35 Maestro Yes

You may have decided to pay off the mortgage by putting money in an investment or savings plan such as an endowment policy, Individual Savings Account (ISA), or Personal Equity

orders No Undischarged bankrupt, record of fraud Bank of Ireland: Basic Cash Account.. (only available in Northern Ireland) 16 None No Yes £38 3 £38 No Undischarged bankrupt, record

The credit card company will carry out a credit check (known as credit scoring) on you to decide whether to accept your application and will then consider how much to lend you

A type of equity release scheme – you sell all or part of your home to a scheme provider in return for regular income or a cash lump sum or both, and continue to live in your home

Ask your adviser or pension provider what their ‘pivotal age’ was for the year when you were advised to contract out.. It is important to note that you should only answer ‘Yes’

For more about the different types of annuity you can choose, get a copy of our Your pension – it’s time to choose guide or see the Your money section of our website – see