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At BankingTimes, we’re committed to being transparent about how we fund our work. That means being clear about when we may earn money through the links or partners you find on this site, and explaining exactly how that works.
This page is regularly reviewed for accuracy.
Last Reviewed: 16 Jul 2025
How We Make Money
BankingTimes is free to use, and we intend to keep it that way. To fund the time and expertise behind our guides, comparisons, and updates, we may receive a commission from our partners. This commission comes at no cost to you and never affects the impartiality of our content.
We May Receive a Commission If You:
Click and Sign Up – We earn when you apply through a partner link.
Make an Enquiry – We may earn if you enquire about a product like equity release or a SIPP.
Request a Callback – We receive a referral fee when you ask for a callback or quote.
Use a Comparison Tool – Engaging with a featured provider may generate commission.
Income Sources
Affiliate Links – We earn when you click and take action (like applying or signing up).
Lead Referrals – If you request a call or quote, we may earn from the provider.
Partner Content – At times, we share sponsored insights from trusted brands, clearly marked.
Exclusive Deals – In some cases, providers give us commission and you a better rate.
Our Editorial Independence
You might notice that some links on our website have tracking built in, those are affiliate links and it helps keep BankingTimes free for readers.
Independent & Unbiased – Our editorial team works independently of commercial partners, and all recommendations are based on verified research.
Transparent & Clear – Any sponsored or partner content is clearly labelled and kept separate from independent editorial articles.
Accurate & Up to Date – Every article is reviewed by our compliance editor and updated regularly to reflect the latest FCA guidance and market changes.
🔔Important: BankingTimes.co.uk is not a financial adviser and does not provide personalised financial advice. We aim to provide general guidance and connect users with FCA-regulated financial advisers where appropriate.
Affiliate Links Explained
You might notice that some links on our website have tracking built in, those are affiliate links. They help keep BankingTimes free for readers like you.
What Exactly Is an Affiliate Link?
Affiliate links simply tell a partner that you visited their site through BankingTimes. If you decide to sign up, request a quote, or apply for a product, we may receive a small commission.
Do Affiliate Links Affect What We Say?
No. Our editorial decisions are made independently and never influenced by commissions. Products or services are included only if they meet our editorial and compliance standards.
Will You Know If a Page Has Affiliate Links?
Yes. We clearly disclose the presence of affiliate links at the top of any page where they appear, so you can make informed decisions with full transparency about how we earn money.
How We Choose Our Partners
We don’t work with just any company. Every provider we feature must meet our standards for transparency, customer service, and reliability.
Unlike some comparison sites, BankingTimes aims to review a broad selection of FCA-authorised firms across the UK equity release, pension, and retirement markets. Our goal is to present balanced and representative options, not just a limited panel.
Our Selection Criteria
FCA Authorisation: We only work with firms authorised and regulated by the Financial Conduct Authority (FCA).
Good Reputation: We vet partners based on customer reviews, service history, and complaint handling.
Clear Pricing: We favour companies that are always upfront about costs, fees, and terms.
Product Suitability: Their services must be appropriate and relevant for people aged 55+, with clear risks and benefits.
How We Keep Our Content Up to Date
From policy updates to new FCA guidance, financial rules can change quickly. That’s why we review our content regularly, so you can trust what you’re reading is accurate and current.
Our Update Process
Every core page is reviewed on a rolling 3–6 month schedule.
Major industry updates trigger immediate editorial checks.
Pages include a “last reviewed” date so you can see how fresh the content is.
Our financial editors flag outdated stats, rates, or product info for quick correction.
Why This Matters
We know how important these decisions are, they impact your home, retirement, and family. We believe you deserve information, that’s:
Free from pressure.
Clear in intent.
Shaped by real experts.
How to Report an Error
We aim to be accurate, always. But if you spot something that doesn’t look right, we want to know. Letting us know helps keep our advice clear, honest, and helpful for everyone.
Found an Issue?
What to Do if You Spot a Mistake
Scroll to the bottom of any article, you’ll see a “Report an Issue” link
Let us know what’s wrong (a stat, name, date, or phrasing)
We’ll review your note and respond within 48 hours.
If needed, we’ll update the content and add an editor’s note
Meet the Team
All information on BankingTimes is carefully reviewed by qualified UK finance professionals to ensure accuracy, clarity, and compliance with industry standards.
Katherine Read
Bert Hofhuis
Paul Sawyer
Helping You Make Informed Decisions
Whether you’re researching your pension options or exploring equity release, you deserve content you can count on. We follow strict editorial policies, regularly update our pages, and always put transparency first. If something ever looks unclear, just let us know.
FAQs About Our Editorial Policies & Advertising
If you have any questions, please review these FAQ’s.
Do You Accept Paid Content or Sponsored Posts?
Yes, but only from trusted partners. Sponsored articles are always clearly labelled, and we never allow brands to control or edit our independent content.
How Can I Tell if a Page Includes Affiliate Links?
We’ll tell you, right at the top of the page. We always include a disclosure so you know exactly how we make money, and which links may earn us a commission.
Are Your Writers Qualified to Cover Financial Topics?
Absolutely. Our team has decades of combined experience in UK financial publishing, and each article is reviewed by a compliance editor before going live.
How Often Do You Update Your Content?
We review core financial pages every 3 to 6 months, or sooner if new guidance or product changes occur. You’ll always see a “last reviewed” date at the top of the article.
Can I Suggest a Correction or Improvement?
Yes, we welcome it. Scroll to the bottom of any page and click “Report an Issue” to send us your feedback.
Get In Touch
We’re happy to assist. If anything is unclear or you’d like more information, reach out to our legal or compliance team.
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