Understand your options. Make confident financial decisions.

Mortgages, insurance and borrowing can have a significant impact on your finances, both now and for years to come.

Energility helps make these products easier to understand, so you can explore your options, understand the costs and risks, and make informed decisions about what is right for you.

Whether you’re buying a home, reviewing your insurance or considering a loan, we’ll help you understand the important details before you compare your options.

Explore Money

Mortgages

Understand mortgages and make sense of one of the biggest financial commitments you’re likely to make.

Whether you’re buying your first home, moving, remortgaging or considering a buy-to-let property, Energility explains how mortgages work and the factors that can affect your options.

Explore Mortgages →

Insurance

Understand what insurance covers, how policies differ and what to consider when choosing protection for the things that matter to you.

Energility helps you look beyond the headline price to understand cover, exclusions, excesses and other important policy details.

Explore Insurance →

Loans

Understand the true cost of borrowing before deciding whether a loan is right for you.

Learn how interest, APR, repayment periods and other charges affect what you’ll repay, and what to consider when comparing different borrowing options.

Explore Loans →

Not sure where to start?

I’m buying a home

Understand deposits, mortgages, loan-to-value, interest rates, affordability and the other costs involved in buying a property.

Explore buying a home →

My mortgage deal is ending

Understand your options before your current mortgage deal comes to an end, including remortgaging and switching to another deal.

Explore remortgaging →

I need insurance

Understand different types of insurance, what they cover and what to check before choosing a policy.

Explore insurance →

I’m considering borrowing money

Understand APR, interest, monthly repayments and the total amount you could repay before taking out a loan.

Understand borrowing →

Understand the cost, not just the monthly payment

Financial products can sometimes appear straightforward when they’re reduced to a monthly figure.

But the lowest monthly payment isn’t necessarily the lowest overall cost, and the cheapest insurance policy isn’t necessarily the most appropriate cover.

Energility helps you understand the details behind the headline numbers.

Depending on the product, that can include:

interest rates and APR
monthly repayments
total amount repayable
fees and charges
fixed and variable rates
policy limits and exclusions
excesses
eligibility requirements
early repayment charges
important risks and commitments

Understanding these details can make it easier to compare products on a meaningful basis.

Useful tools and calculators

Sometimes the easiest way to understand a financial decision is to see the numbers for yourself.

Energility’s tools and calculators can help you explore different scenarios and understand how changes to rates, terms and amounts could affect the outcome.

Mortgage calculators →

Explore repayments, deposits, loan-to-value and other mortgage calculations.

Loan calculators →

Explore monthly repayments, interest and the potential total cost of borrowing.

Insurance tools →

Understand cover requirements and the factors that can influence insurance costs.

Calculators provide illustrations rather than guarantees of eligibility, acceptance, rates or costs.

Understand first. Compare when you’re ready.

Comparison is useful when you understand what you’re comparing.

Energility combines straightforward information with comparison tools and services to help you make more informed financial decisions.

We aim to help you understand:

how the product works
what it could cost
the important features
potential benefits and drawbacks
the risks and commitments involved
what alternatives may be available
what to consider when comparing your options

When you’re ready, you can then explore the options available to you.

Compare financial products →

Money and your home

Financial decisions don’t always exist in isolation.

Buying or running a home can involve mortgages, insurance, energy, broadband, home improvements and other ongoing costs.

That’s why Money is part of the wider Energility service.

If you’re buying, moving or improving a property, you can move between Money and Energy & Utilities without having to start again somewhere else.

Explore Energy & Utilities →

If you’re worried about money

If you’re struggling with repayments, bills or other financial commitments, taking out additional borrowing may not be the right solution.

Free and impartial support may be available to help you understand your situation and the options available to you.

Find financial help and support →

Make more informed financial decisions

Energility exists to make important products and services easier to understand.

Our aim is simple:

Understand more. Spend less. Live better.

Learn how financial products work, explore the numbers and compare your options when you’re ready.