Field notes
Finance, without the fog.
Plainspoken notes on loans, credit and the decisions behind them.
The library
Four questions worth answering before you borrow.
Each note takes one confusion borrowers actually bring into first conversations, and clears it in plain language.
Why eligibility is not the same as affordability.
A lender's ceiling is set by ratios. Your comfort is set by everything those ratios do not see.
What actually stays on your credit report.
Repayment history, open loans, enquiries and settled accounts — and how long each one stays visible.
The true cost of unsecured borrowing.
No collateral means the lender is pricing risk, not value. Understanding that changes what you compare.
The terms worth understanding before you sign.
A rate is only one part of the decision. Tenure, margin, fees and reset clauses define the outcome too.