What Is Personal FinanceNearly every comparison site you've read makes money the same way: when you click a link and open an account with the provider, the site gets paid. It's a normal, legal business model. It also creates an incentive that's easy to miss as a reader.
What an affiliate link pays for
An affiliate commission is a reward for the click and the signup, not for the accuracy of the comparison. A lender paying a higher commission has a direct reason to appear first, or to appear at all, independent of whether its rates are genuinely competitive. Most sites disclose this ("we earn a commission on some links"), and that disclosure is honest, but it doesn't remove the incentive underneath it.
How this site is different
Every comparison table on this site links straight to the provider's own page, with no affiliate code and no commission. The order providers appear in reflects the order we researched them, not who pays the most. This site makes money from advertising shown after you accept cookies, described in full on our About page.
What this doesn't fix by itself
Removing affiliate links doesn't automatically make a comparison accurate. It removes one specific incentive to distort it. We still have to check each rate against the provider's own page, note when we couldn't confirm a figure directly, and update the numbers when they change. The About page covers exactly what that process looks like.
Why we're telling you this
Nobody reads a site's monetization model for fun. We're writing this because a fair number of readers assume every comparison page online is affiliate-driven, and it's a reasonable assumption most of the time. This one isn't, and you deserve to know why the tables here look the way they do.