Rachel Lacey: Financial journalist with over 20 years of experience, smiling in a professional setting. She has shoulder-length brown hair and is dressed in a smart, professional outfit, providing a friendly and knowledgeable presence.

Lawrence Howlett

Lawrence Howlett brings a results-driven mindset to his writing, shaped by over a decade of experience across finance, legal, and energy sectors. As the founder of Moneysavingadvisors, he’s built a reputation for turning complex financial concepts into clear, actionable insights for consumers. His writing stands out for its clarity, structure, and focus on delivering value.

Expertise

Practical Financial Guidance Made Simple. Lawrence shares clear, actionable advice on personal finance topics like debt consolidation, secured loans, pension drawdown, and mortgages. With a background in performance marketing and a passion for demystifying complex topics, he helps readers make smart, confident financial decisions.

Secured Loans

Lawrence offers straightforward guidance on secured loans—what they are, how they work, and when they might be a suitable option. He helps readers understand the risks and benefits, how to use home equity responsibly, and how to compare lenders to get the best deal.

Fixed-rate Mortgages

Lawrence makes fixed rate mortgages easy to understand. He explains how they provide stability in monthly repayments, what to consider when locking in a rate, and how to choose the right term length. His advice helps readers feel more secure about long-term financial commitments and homeownership.

Professional Background

Founder of Money Saving Advisors and a finance writer known for clear, actionable insights.