It’s official: winter is just around the corner.  Whether you’re kitting out the family with warm gear, replacing the boiler, or sorting out the sofa so there’s space for everyone, keeping cosy can add up. Not to mention Christmas is fast approaching.

It’s been a difficult year for many of us, and there is still much uncertainty about the next few months. Planning ahead as much as possible can help avoid expensive borrowing on credit cards. Look forward now and consider if you may need to borrow over the winter period.

Our top tips to save this winter:

  • Insulating your home well can save you more money in the long-run by cutting your heating bills by up to £290 a year*. The one off cost could be a long-term investment in your finances. You may even get help with these costs via the ECO scheme.
  • Monitor your energy – you can contact your energy supplier to provide you with a smart meter if you don’t have one already. Keeping an eye on how much you’re spending will avoid any nasty surprises. Read more about smart meters.
  • It’s never too early to think about Christmas. Giving yourself more time to shop around for things you know you will buy means you can take advantage of discounts and find better deals.

We can help spread the costs of winter across the year with loan rates from 4.5% APR. With clear terms and no ‘arrangement’ or early repayment fees, we’re often a better option than bank loans or credit cards.

A £5,000 loan paid back over 24 months will cost you…

  •  £351.04 with us
  • £406.96 from NatWest
  • £559.12 from Barclays
  • £784.72 from Lloyds **

If you work for one of our salary deduction partners, you can pay back your loan directly from your salary each month, a stress-free way to know that you are keeping on top of your debt.

Our team will be there throughout the whole process. Don’t just take our word for it, our members have been reviewing us on TrustPilot and given us 4.7/5 stars.

Get a head start on winter with the help of London Mutual Credit Union.

*Energy saving trust

**Costs displayed are based on amounts advertised via the loan calculator tool on respective banks’ websites. Checked on 1 November 2020.