About Smart Money HQ
Independent, expert guides to help UK consumers make smarter financial decisions — on savings, credit cards, mortgages, and investing.
Our Mission
Smart Money HQ was built because the UK personal finance space is cluttered with sites that promote whoever pays the most — not whoever offers the best deal for consumers.
We believe everyone deserves clear, honest, and up-to-date information about their financial options. Whether you’re looking for the best savings rate, trying to clear credit card debt, or thinking about investing for the first time — we give you the full picture, not just the sponsored one.
Every guide, comparison, and tip on this site is written to help you make a better financial decision, not to push a particular product.
Who Is Behind Smart Money HQ?
Smart Money HQ is run by Michael Henry, based in London. With a background in personal finance research and a passion for helping everyday people get more from their money, Michael launched Smart Money HQ to cut through the jargon and bring clarity to UK financial decision-making.
All content is regularly reviewed and updated to reflect the latest rates, regulatory changes, and market conditions. The site is powered by a combination of original research, data from UK financial providers, and AI-assisted content tools.
Our Editorial Principles
Truly Independent
We compare the whole market, not just brands that pay us. Our rankings are based on product features, rates, and value — never on commission rates.
Constantly Updated
Rates change. Products change. Our AI-assisted update system reviews and refreshes our comparison data regularly so you always see current figures.
Plain English
We explain financial products clearly — including the small print — so you understand exactly what you’re signing up for before you apply.
UK-Focused
Every guide is tailored for UK consumers — covering UK tax rules, FSCS protection, FCA regulation, and the specific products available in the British market.
How We Make Money
Smart Money HQ earns commission when you click through to a financial product and take out a policy, apply, or make a purchase. This commission comes from the provider — it never costs you anything extra.
This never influences which products we recommend or how we rank them. You can read our full Affiliate Disclosure to understand exactly how this works.
Get in Touch
Have a question, spotted an error, or want to suggest a product we should cover? We’d love to hear from you.
Email: hello@smartmoneyhq.co.uk
Website: smartmoneyhq.co.uk
Location: London, United Kingdom
Disclaimer: Smart Money HQ is not regulated by the Financial Conduct Authority (FCA). The content on this website is for informational purposes only and does not constitute financial advice. Always do your own research and seek independent advice where appropriate. Your home may be repossessed if you do not keep up repayments on a mortgage. Credit is subject to status.
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