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Tim Leonard

Tim Leonard

Tim Leonard

Tim is a writer and spokesperson at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.

Education:

BA (Hons) Industrial Economics, University of Nottingham

Previous Experience:

Finance Editor, Future
Associate Editor, Moneyfacts

Tim's picks

Best Bad Credit Loans July 2024

A less-than-perfect credit score won’t necessarily stop you from getting a loan. We’ve rounded up NerdWallet’s analysis of the best loans for bad credit, to help you compare their features.

Mortgage Rates UK July 2024

Mortgage rates and deals in the UK are constantly changing. That’s why it’s important to keep track of current mortgage rates and compare mortgages before getting a new deal. Whether you’re a first-time buyer, moving home or remortgaging, NerdWallet can help you compare the latest mortgage interest rates and find the best mortgage deal for you.

Compare Best Secured Loans July 2024

Secured loans allow you to borrow using your home as security or collateral for the loan. Here you can find out more about secured loans, learn whether they may be right for you, and use our star ratings to help compare some of the best secured loan lenders in the UK.

The latest from Tim

Couple looking at a house in the UK

How Much House Can I Afford?

Get an estimate of how much house you can afford using our simple mortgage affordability calculator.

Row of houses in Liverpool

Where is the Cheapest Place to Rent in the UK?

Knowing the cheapest places in the UK to rent can be a good starting point if you’re looking for somewhere affordable to live. Here’s where rents are lowest right now.

Young woman checking her phone for news updates.

Mortgage Rates Predicted to Fall as Base Rate Cut Nears

With inflation returning to target, the chances of an August base rate cut and lower mortgage rates have increased. Our latest mortgage rate forecast and base rate predictions explain more.

Couple securing a mortgage in principle with a financial adviser

What is a Mortgage in Principle?

Getting a mortgage in principle can give you an idea of whether a lender will offer you a mortgage and for how much. Having such an agreement doesn’t guarantee you’ll be offered a mortgage when you properly apply, but it can show estate agents and sellers you’re serious about buying.

Man looking at the current mortgage rates in his living room

Mortgage Rate Uncertainty as Base Rate Forecasts Slip to September

Off-target inflation figures mean investors now think the first base rate cut is most likely in September. Here is our new mortgage rate forecast based on this latest development.

Man in his kitchen looking at rising mortgage rates

Mortgage Rates Begin to Rise as Base Rate Delay Predicted

Higher mortgage rates could be on the way as market expectations realign to the first base rate cut coming in August. Here is our latest mortgage rate forecast.

Row of houses in the UK

UK House Prices Rise at Fastest Pace in Over a Year

House prices are changing all the time. So whether you’re moving home or buying for the first time, it’s a smart move to keep on top of the latest UK house price data, trends and housing market forecasts.

Couple looking at mortgage rates together on the sofa

Mortgage Rates Predicted to Fall After Inflation Drop

The base rate is forecasted to fall in the summer and there are hopes that mortgage rate cuts may be about to resume. Here are our latest mortgage rate predictions.

Couple looking at remortgage options to consolidate debt

How to Remortgage to Consolidate Debt

Remortgaging to consolidate debt involves borrowing more on your mortgage to pay off other debts. This can make it easier to manage debt and could help lower your combined monthly debt repayments. However, more debt is secured against your home and you could end up paying more interest overall.

Two women making home improvements

How to Remortgage to Pay for Home Improvements

Remortgaging to pay for home improvements or an extension may be an option if you have sufficient equity in your property and can prove to your lender a larger mortgage is affordable. Your income, outgoings and job status are some of the factors typically looked at when deciding whether you can afford a mortgage.

Man on the phone to a solicitor for remortgaging

Do You Need a Solicitor to Remortgage?

The legal expertise of a solicitor will be needed if you remortgage with a new lender but may not be necessary if you take out a new deal with your current lender.

Couple looking at remortgaging fees on sofa

Remortgage Costs and Fees Explained

Remortgage costs are the fees that you may have to pay when switching from your current mortgage to a new deal. These could include arrangement fees, booking fees, legal fees and valuation fees on your new mortgage, and maybe early repayment charges to leave your existing deal.

Couple looking at mortgage rates in ktichen

Base Rate Delay May Lead to More Mortgage Rate Rises

Further increases to mortgage rates could be on the way in March amid predictions the first base rate cut will be delayed to later in 2024. Here is our latest mortgage rate forecast.

Man in holiday home looking to rent it out

Holiday Let Mortgages: Buying a Holiday Home to Rent Out

A holiday let mortgage is used to buy property to rent out to paying guests. Buying a holiday let home can provide you with an income stream and certain tax benefits if you follow the rules.

Union Jack flying over the houses of parilaiment

Spring Budget 2024: How 6 Key Changes Could Affect You

With important announcements on National Insurance, child benefit and ISAs, the Spring Budget 2024 has the potential to affect us all.

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