Scott Nelson - Founder of MoneyNerd

Scott Nelson founded MoneyNerd after his own experience with debt. He writes and produces general information about debt and everyday money matters. MoneyNerd does not provide personal debt advice or recommend debt solutions.

Scott Nelson

Founder of MoneyNerd

Scott Nelson founded MoneyNerd after experiencing debt himself. He writes and produces general information to help readers understand debt, money matters and their options for getting support.

Scott’s background and writing

Scott has created articles and videos about debt consolidation, Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), bankruptcy and parking tickets. His own experience of debt informs how he explains these topics.

Scott’s content is general information. It does not assess your circumstances or recommend a debt solution for you.

Founder of MoneyNerd

Scott founded MoneyNerd to publish articles, videos, letter templates and tools about debt and everyday money matters.

MoneyNerd is an introducer appointed representative of Pacific Financial Solutions Ltd. If you want personal debt advice, MoneyNerd may, with your agreement, introduce you to The Debt Advice Service, a trading style of Pacific Financial Solutions Ltd. Its debt advice is free, although some debt solutions have fees. MoneyNerd may receive a fee if you enter into an IVA or DMP following an introduction. You are under no obligation to proceed.

Scott’s books

Scott’s picks

Selected media coverage

Follow Scott and MoneyNerd

Posts by Scott Nelson:

Can You Lose Your House with Equity Release?

Scott Nelson

Are you interested in equity release but worried about what could happen to your house? You've come to the right place. We know that it can be a worry to think about money and debt. You may feel unsure about how equity release works and what could happen if things don’t go as planned.Studies found […]
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Can I Sell My House if I Have Equity Release? Quick Answer

Scott Nelson

Are you wondering whether you can sell your house if you have equity release? This article will answer your question in simple, easy-to-understand words. We know that equity release can be confusing. You might worry about what happens to your house or if you can sell it, but don’t worry; we’re here to help. Our […]
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Equity release companies: checks and warning signs

Scott Nelson

Are you considering equity release but are unsure about which companies to trust? This guide is here to help. We're here to provide clear, easy-to-understand advice, giving you the knowledge needed to make smart decisions. In this guide, we’ll cover: Equity release can seem complex. It’s normal to feel a bit confused, but don’t worry; […]
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How Does Equity Release Affect Benefits? Complete Analysis

Scott Nelson

"Are you curious about how equity release might affect your benefits? This can be a tricky topic, but you're in the perfect place to learn more. In this article, we’ll explore: Equity release can be a confusing process. It’s normal to feel unsure or worried about how it might change your benefits. We understand your […]
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Equity Release Interest Rates – What Are They? Guide, FAQs & More

Scott Nelson

This guide explains equity-release interest rates and the factors to compare in a current personalised illustration. Equity release can seem tricky, but we’re here to help. Many people worry about things like losing their homes or paying too much. We understand these worries and aim to answer all your questions. This guide explains interest rates, […]
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Can a Secured Loan be Written Off? In-depth Guide & FAQs

Scott Nelson

Secured loans can be tricky to understand. But don't worry; you've come to the right place. In this guide, we’ll explore: Secured loans can bring worries. What happens if you can’t pay? What happens after repossession? And can a secured loan be written off? We know these are big concerns for you.  This guide explains […]
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Is Equity Release a Con? Quick Analysis

Scott Nelson

"Are you asking, 'Is equity release a con?' You're not alone. This is a common worry for many people. But don't worry, you're in the right place for answers. In this easy-to-read guide, we’ll cover: Equity release can seem scary. You may be worried about losing your home or getting tricked, but with the right […]
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Second Charge Mortgage Calculator UK

Scott Nelson

Are you thinking of getting a second charge mortgage for your home but aren't sure about the cost or the process to get one? In this friendly guide, we’ll explain: Use the calculator as a starting illustration and discuss the actual terms and risks with an appropriately qualified adviser. How does a second charge mortgage […]
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Secured-loan direct lenders and brokers: how to compare

Scott Nelson

In this guide, we’ll help you understand secured loans. We know you might have questions about homeowner loans from direct lenders. We also know you may have worries about possible risks. Don’t worry, you’re not on your own! We are here to give clear and simple answers. In this guide, we’ll talk about: We know […]
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Loans on benefits: eligibility, fees and alternatives

Scott Nelson

Receiving benefits does not automatically prevent you from borrowing. Some lenders consider certain benefit income, but acceptance depends on their criteria and whether repayments are affordable after essential spending and other commitments. This guide explains eligibility, fees, secured and unsecured borrowing, and alternatives to taking out a loan. MoneyNerd provides general information and introductions, not […]
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Can You Get a Home Equity Loan with No Mortgage?

Scott Nelson

Are you keen to understand more about home equity loans? You might even be wondering if you can get one without a mortgage. You’ve come to the right place. This guide will cover: We know that understanding loans and finances can be tricky. This guide explains how home-equity borrowing works and the costs and risks […]
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Second Charge Mortgage Buy-to-let – All You Need To Know

Scott Nelson

Are you thinking about a second charge mortgage for your buy-to-let property? It's all right if you're not quite sure what it means. You're in the right place to learn about it. In this easy guide, we’ll explain: We know it might feel tricky. But remember, we’re here to give you clear and simple advice. […]
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Can I Move House if I Have Equity Release?

Scott Nelson

"Are you curious about equity release and whether it allows you to move house? You may have many questions and worries, but rest assured that you're in the right place for answers. This article will clearly explain: This guide explains the conditions, costs and lender checks that can apply when moving home with equity release. […]
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Second Mortgage Pros and Cons – Complete Analysis

Scott Nelson

Looking for more information on a second charge mortgage? You're in the right spot! In this easy-to-read guide, you’ll discover: We understand that you might be worried about the details of a second charge mortgage. But remember, you’re not alone. We’re here to help you with clear and plain advice. How does a second charge […]
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Equity Release or Bank Loan? Which Is Best?

Scott Nelson

Are you trying to decide between equity release and a bank loan? This can be a tricky choice. But don’t worry, we’re here to help you. So, you're not alone. In this article, we will explore: We know that thinking about money can be hard. There are lots of big words, and it can all […]
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What Is 100% Equity Release? Overview & FAQs

Scott Nelson

Are you curious about a 100% equity release? This article is here to help you understand it better. We know it's a big decision and can be confusing, but don't worry; we're here to help. In this article, we’ll explain: It’s normal to worry about big decisions, especially when it’s about your home. You might […]
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Lifetime Mortgage for Over 60s – In-depth Guide

Scott Nelson

Are you curious about lifetime mortgages for over 60 s? This guide is here to help! We know that a lot of people have questions about this. In this guide, we’ll look at: We know that thinking about retirement and mortgages can be hard. It can feel like a maze with no clear path. But […]
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Second charge mortgages for home improvements

Scott Nelson

Are you thinking about a second mortgage for home improvements? You've landed in the right spot! In this simple guide, we’ll cover: We know that the idea of a second mortgage might sound scary. But remember, you’re not alone. We’re here to help you understand it all in a way that’s easy to follow.  So, […]
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Home Equity Loan to Buy Car – Is It Possible?

Scott Nelson

Are you thinking about using a home equity loan to buy a car? You’re in the right place to learn more. This type of loan lets you use the value of your home to finance a vehicle. We’ll help you understand: We know this topic can be tricky, but we're here to help you understand […]
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