Editorial Standards and Research Policy
Our rule: verified or dropped. Every rate, fee, limit, statistic, regulation and product feature we publish must be checkable against a primary source for the stated year. If we cannot verify it, we remove it. We do not estimate, round up from memory or leave placeholders.
LENDING LOGIC LAB publishes independent, researched guidance on loans, mortgages and credit for readers in the United States and the United Kingdom. This page explains who stands behind that work, how articles are researched, how sources are chosen, how figures are checked and how we correct mistakes.
Who Is Accountable for This Content
Our editor’s professional background spans accounting, public-sector financial administration and journalism. That background is used to interpret figures and regulatory context, and to hold our reporting to a professional standard. The editor holds the following memberships and credentials:
| Body | Credential |
|---|---|
| Association of Chartered Certified Accountants (ACCA) | Registration No. 1762700 |
| Association of National Accountants of Nigeria (ANAN) | License No. 36908 |
| Nigeria Union of Journalists (NUJ) | Certification ID: NUJ/7847/1999 |
These credentials describe the editor’s qualifications. They do not make LENDING LOGIC LAB a lender, broker or regulated adviser. We do not arrange or offer loans, and we do not give personalized advice. Read more on the Author Bio page. You can also visit the official body portals: the ANAN member portal and the NUJ members list. ACCA is cited here by its registration number.
Where to find the editor online
- LinkedIn: Olukunle Fashina
- X (formerly Twitter)
- Author page on Amazon, with published books
What We Cover and What We Leave Out
Every article sits in exactly one of five categories, chosen by the product or risk the article resolves:
- Mortgage Refinancing
- Home Equity Loans
- Payday Loans
- Personal Loans
- Business Loans
Debt consolidation and bad-credit borrowing are angles, not categories, and are filed under the underlying product. We do not cover auto loans, student loans, standalone credit cards or balance transfers, buy-now-pay-later products, or purchase mortgages that are not framed around refinancing or remortgaging.
How Articles Are Researched
Starting from a real borrowing decision
Every article starts with a decision a reader is actually facing. Examples include how a Federal Reserve rate move affects refinance timing, or how an HMRC Self Assessment deadline creates cash-flow pressure for a small business. We name the scenario, the comparison or the threshold the article addresses, and we skip generic overviews.
The research steps
- Review current rate data, regulatory guidance and market conditions for the topic.
- Consult official sources, including central banks, tax authorities and financial-conduct regulators.
- Interpret the figures using the editor’s accounting and financial-administration background.
- Separate general market trends from figures tied to a specific product, lender or jurisdiction.
- Re-run every calculation, checking inputs, units and currency.
The United States and the United Kingdom are researched separately
UK sections carry their own UK data, regulators and statistics. They are never the US section with £ swapped for $. We never mirror a US statistic in a UK passage, and where a verified UK figure cannot be found, we omit it. Canada, Australia and New Zealand are included only where they change what a reader in those markets should do.
How Sources Are Selected
We work down this hierarchy and move to a lower tier only when a higher one cannot be reached.
| Tier | Source type | Examples |
|---|---|---|
| 1 | US primary sources | Consumer Financial Protection Bureau (CFPB), Federal Reserve, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Freddie Mac, Fannie Mae, Internal Revenue Service (IRS), Small Business Administration (SBA), state regulators |
| 1 | UK primary sources | Financial Conduct Authority (FCA), Financial Ombudsman Service (FOS), Bank of England, Prudential Regulation Authority (PRA), Office for National Statistics (ONS), HM Revenue and Customs (HMRC), UK Finance, MoneyHelper, Land Registry |
| 2 | Secondary sources | Consumer-finance publishers such as Which?, MoneySavingExpert, Bankrate and NerdWallet, used only when no primary source is reachable |
| 3 | Lender and product disclosures | Read critically and never presented as independent fact |
We do not use lender promotional material as a standalone source, and we do not rely on phrases such as “studies show” or “experts agree.” Each claim traces to a named institution, document and year. We link only to pages we have confirmed exist.
How Financial Figures Are Verified
Checked, dated, or removed
Before publication, rates, fees, limits and terms are checked against current, credible sources as of the article’s writing date. We state the year or date each time-sensitive figure applies to. Rates and lending terms change often, so confirm current numbers directly with a lender or the official source before acting.
How we label claims
| Label | What it means |
|---|---|
| Verified fact | Confirmed against a primary source for the stated year |
| Analysis | Our reasoning or editorial judgment, kept separate from the facts it rests on |
| Hypothetical | A worked scenario with a first name and stated inputs. Inputs are labeled “assumed” and never presented as current market data |
| Forecast | A view of future rates or conditions, always stated with its uncertainty |
We do not invent personal experiences, reader emails, client stories, interviews or quotations.
Regulatory descriptions
When an article describes a regulatory framework, such as FCA-regulated lending in the UK or federal lending rules in the US, we check the description against official guidance. We flag jurisdiction-specific rules so readers do not apply US rules to the UK, or the reverse.
Calculators and Worksheets You Can Use
Our tools let readers test the numbers for themselves. Results are only as good as the inputs you enter, and they illustrate a calculation, not a lender’s offer.
Mortgage Refinancing
Home Equity Loans
Payday Loans
Personal Loans
Business Loans
Useful across several categories
- DTI Headroom Test (mortgage refinancing, home equity, personal and business loans)
- Loan Application Documents Checklist (mortgage refinancing, home equity, personal and business loans)
- Prepayment Penalty Cost Estimator (mortgage refinancing, home equity, personal and business loans)
How Corrections Are Handled
When we find an error, or a reader reports one, we review it promptly and fix the article.
- Material errors include incorrect figures, rates or statements of fact. We correct them as soon as possible and annotate the article to show a correction was made.
- Minor updates include refreshed rate figures and clarifications. We may make them without a formal notice, but the “Last updated” date will change.
To report a possible error, use our Contact Us page. Please include the article title and the figure or statement you are questioning. Full details of how changes are documented are in our Corrections/Update Policy.
Editorial Independence and Advertising
Why we publish is set out on our Our Mission page. Advertisers, lenders and affiliate partners do not influence our editorial content. Any sponsored content we publish will be clearly labeled and kept separate from editorial judgment. We never call a lender or product universally “the best” without stating who it suits and why, and we never guarantee approval, rates or savings.
Where to Take a Lending Complaint
If you have a problem with a lender, these are the official routes. Rules differ by country, so use the one that matches where you borrowed.
| Country | Route |
|---|---|
| United States | The CFPB complaint database, or your state financial regulator or state attorney general |
| United Kingdom | Complain to the firm first, then the Financial Ombudsman Service (FOS). The FCA regulates the firm’s conduct |
All Pages on LENDING LOGIC LAB
| Group | Pages |
|---|---|
| About the site | About Us, Our Mission, Author Bio |
| Editorial standards | Editorial Policy, Corrections/Update Policy |
| Legal and compliance | Disclaimer, Financial Disclaimer, Privacy Policy, Terms of Use |
| Get in touch | Contact Us |
Educational content only. Nothing on this site is personalized financial, mortgage, tax or legal advice. Before you borrow, consult a licensed broker, adviser or regulated comparison service in your country. See our Disclaimer and Financial Disclaimer for full terms.
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