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Victor Garrett

Victor is a freelance writer who loves to read and write about personal finance and related disciplines with the aim of educating people to make better financial and investment decisions.

Recent Articles

Row of terrace houses.
Personal Finance

What’s the penalty for lying on a mortgage application in the UK?

| Victor Garrett

Are you thinking of applying for a mortgage and wondering what the penalty for lying on a mortgage application might…

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A house being constructed in the countryside
Uncategorized

Help to Build: here’s what you need to know

| Victor Garrett

The Help to Build scheme aims to make it easier for self-builders to get onto the property ladder. We take…

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A couple celebrating moving in to a new home
Personal Finance

What does ‘Generation Buy’ mean for first-time buyers?

| Victor Garrett

It’s high time Generation rent is turned into Generation buy. What does Generation buy mean for first-time buyers? Let’s find…

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Old empty wallet in hands.
Personal Finance

How to prove financial hardship

| Victor Garrett

Financial hardship is not something to be embarrassed about. It is possible to get help, but you need to know…

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Hands of woman putting elegant blouse in a suitcase.
Personal Finance

Here’s how to preserve clothing and sell it for cash

| Victor Garrett

If you are not giving away clothes to charity, it might be a good idea to sell them for cash.…

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Young man shopping with credit card and laptop computer
Personal Finance

E.On compensation for early direct debit payments

| Victor Garrett

Are you an E.On customer? Are you eligible for compensation as a result of E.On's early direct debit payments? Read…

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Jar filled with coins
Personal Finance

What is upcycling and what can you upcycle?

| Victor Garrett

If an item you own is tired, damaged or no longer fit for purpose, you could upcycle it. We take…

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Young woman preparing home budget, using laptop and calculator
Personal Finance

Pricing a house to rent: 3 things to consider

| Victor Garrett

Renting out a house can be an excellent opportunity to earn passive income. We’re here to help you work out…

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UK countryside
Personal Finance

How to perform a flood risk assessment

| Victor Garrett

If you are looking to develop property in a flood zone, you'll need to carry out a flood risk assessment.…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

How is passive income taxed?

| Victor Garrett

Since HMRC requires you to report your passive income, it might be wise to learn how it is taxed to…

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Dots over the earth connecting the world
Personal Finance

What is cybersecurity and why is it important?

| Victor Garrett

With the internet playing a significant part in our lives, it is more important than ever for both individuals and…

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Happy parents playing with little kids riding in box
Personal Finance

What are the requirements for renting a house?

| Victor Garrett

Moving into a new house can be both exciting stressful. Understanding the requirements for renting a house can make the…

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A couple celebrating moving in to a new home
Personal Finance

How to Rent guide: everything you need to know before you rent

| Victor Garrett

To ensure you are fully aware of your rights and responsibilities when renting, it's a good idea to read and…

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Personal Finance

Can you make money from rent to rent?

| Victor Garrett

Is a rent to rent opportunity worth investing in? Let’s find out whether you can make money and whether it…

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Home key with house keyring with calculator.
Personal Finance

What does a mortgage surveyor look for?

| Victor Garrett

When applying for a mortgage, your lender will instruct a mortgage surveyor. But what does a mortgage surveyor look for?…

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Woman traveller walking alone with suitcase bag.
Personal Finance

How does the UK State Pension work for immigrants?

| Victor Garrett

If you are an EU, European Economic Area (EAA) or Swiss citizen planning to move to the UK, find out…

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University graduate student diploma piggy bank
Personal Finance

Can a student get a mortgage?

| Victor Garrett

Buying a property to live in while you study could be a great financial move. But can a student get…

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Home key with house keyring with calculator.
Personal Finance

When is the best time to buy a house?

| Victor Garrett

When is the best time to buy a house? We taksome e a look at some important considerations to make…

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Personal expenses concept.
Personal Finance

4 money moves to make when you get a new job

| Victor Garrett

When you land a new job, it's likely your wage will increase. We look at four money moves you can…

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Young woman preparing home budget, using laptop and calculator
Personal Finance

What does the stamp duty holiday mean for first-time buyers?

| Victor Garrett

The stamp duty holiday has been extended to 30 June 2021. But is this good news if you're a first-time…

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Father playing guitar on the floor with daughter sitting beside him.
Personal Finance

4 free homeschooling resources for parents

| Victor Garrett

If you are considering homeschooling, it might be in your best interest to consider these free homeschooling resources for parents

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Hispanic man using laptop in home office and drinking coffee
Personal Finance

What is GDP and what happens when it drops?

| Victor Garrett

What is GDP? It's a familiar term, but do you know what it means, what it's for? We take a…

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Happy diverse people together in the park
Personal Finance

When is the census and why is it important?

| Victor Garrett

We take a look at when the 2021 census is happening and why it is important. Find out about key…

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A couple celebrating moving in to a new home
Personal Finance

What’s the advantage of a fixed 40-year mortgage?

| Victor Garrett

Habito has unveiled Habito One, a 40-year mortgage that could be a game-changer. We take a look at the pros…

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Young Woman Drives Car With Dog in Back Seat
Personal Finance

How to find the best deal on a new car

| Victor Garrett

Finding the best deal on a new car is never easy. We take a look at what you can do…

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Personal Finance

3 top personal finance courses in the UK

| Victor Garrett

We share our top free and paid personal finance courses in the UK for beginners, intermediates and experts. Learn how…

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Modern suburban family houses with car on driveway
Personal Finance

What to expect in a relocation package

| Victor Garrett

Has your employer invited you to relocate? What makes a good job relocation package? Here's what you need to know.

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Young lady working from home office during coronavirus pandemic.
Personal Finance

How to claim tax relief on coronavirus working from home expenses

| Victor Garrett

You can claim tax relief on working from home expenses brought about by coronavirus. Here are the key things you…

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Home key with house keyring with calculator.
Personal Finance

How possible is ‘no money down’ property investing?

| Victor Garrett

Is 'no money down' property investing possible? Yes, it is possible to invest in property or real estate without money!!…

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Elderly man giving a Christmas present to his wife
Personal Finance

How to gift shares to family

| Victor Garrett

Shareholders may want to gift shares to a family member for various reasons. Victor Garrett sets out what you might…

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