Personal finance expert
Emma Lunn
Emma has written about personal finance for almost 20 years, with a career spanning several recessions and their inevitable consequences.
Emma’s main focus is helping people learn to manage their money well, in both the short and long term.
She believes that getting a grip on your finances means you have more time (and cash) for the fun things in life - travelling, mostly, in her case. Her pet hate is the phrase “hard working families” - single people and those without kids work hard too!
Emma's Experience
Emma Lunn is a multi‑award‑winning freelance journalist specialising in personal finance, with more than two decades of experience covering money matters. Emma has bylines in many leading UK publications, national newspapers, magazines and websites. Her writing spans consumer finance topics such as mortgages, insurance, savings, debt management, energy bills, student finance and pension planning - always focused on clarity and insight. Based in London, she prides herself on breaking down complex financial issues into digestible, actionable advice for consumers.
Emma's recent coverage
The Independent | Five vital things you need to know about your will
The Independent | Explaining the mortgage jargon which can confuse first-time buyers
The Independent | The home heating mistakes inflating your energy bills by hundreds
Goodto.com | What benefits can I claim while on maternity leave?
More from Emma Lunn
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News & Guides
- Are cracks in the walls covered by my home insurance?
- What is shared housing contents insurance?
- What is high-value home contents insurance?
- Will Japanese knotweed affect my home insurance cost?
- Can you get buildings insurance on underpinned houses?
- What insurance do I need when moving home?
- Understanding mortgage interest and how it’s calculated
- Do previous claims affect my home insurance premiums?
- What is the best pet insurance for my dog or cat?
- What tax relief can I claim on my rental property?
- How should I choose a buy-to-let property?
- 10 tips for finding a letting agent
- What is stamp duty for buy-to-let properties?
- What are the advantages and disadvantages of being a landlord?
- What is landlord emergency cover?
- A landlord's guide to houses in multiple occupation (HMO)
- What do I need to do to be a private landlord?
- Can I get a guaranteed loan?
- Temporary motorhome insurance Temporary motorhome insurance is short-term cover for a motorhome you own or borrow. Policies can provide cover for theft, damage, contents and roadside assistance
- What happens if you can't pay your mortgage? If you’re finding it hard to keep up with your mortgage payments, there’s no need to panic.
- What is a healthcare cash plan?
- Should I buy a house with Japanese knotweed?
- What are swap rates and why do they matter?
- Should I get a petrol, diesel or electric car?
- Can I get a mortgage after having a default?
- Are automatic cars more expensive to insure?
- Top reasons for being declined for a mortgage and what to do next
- Can I get a mortgage after an IVA?
- What is accidental damage home insurance?
- What is temporary van insurance?
- What do Defaqto ratings mean for travel insurance?
- Does home insurance cover lodgers?
- Will my home insurance cover damp and mould treatment?
- How to get cheaper car insurance
- Does travel insurance cover trip cancellation?
- How much do cat vaccinations cost in 2026?
- What is carriage of own goods van insurance?
- Does my home insurance cover roof repairs?
- Can convicted drivers get van insurance?
- Buy-to-let costs and taxes explained Buy-to-let property has delivered strong returns over the past few decades. But changing tax rules and increased regulation mean it has got more difficult to make a profit from property.
- How can I reduce the cost of my life insurance?
- What happens to life insurance during probate?
- What is sports travel insurance?
- Is pet insurance worth it?
- Buy-to-let mistakes and first-time landlord advice Becoming a landlord can be rewarding, but it also comes with financial, legal, and operational responsibilities that many first-timers underestimate. It is not just an easy ‘passive income’ stream.
- 10 tips to get cheaper breakdown cover
- What do I do after a car accident?
- Getting a mortgage as a non-UK citizen Are you a non-UK citizen looking to get a mortgage in the UK? This guide will help you understand how lenders view non-UK citizens, what they ask for, and how to boost your chances of mortgage approval.
- Getting a shared ownership mortgage Learn how shared ownership mortgages work, including deposit requirements, staircasing, eligibility rules, costs, pros and cons, and which lenders offer them.
- How much deposit do I need for a buy-to-let property? Buying a rental property works differently to buying your own home, and one of the biggest differences is the size of the deposit you’ll need to get a buy-to-let mortgage.
- What is legal expenses cover on home insurance?
- What is the value of my house?
- Do key safes invalidate home insurance?
- What is the single traveller tax?
- Do I always need travel insurance?
- Which vet fees will pet insurance will cover?
- How much does it cost to keep a horse?
- Is it better for a family to be on one car insurance policy?
- Do medical conditions affect car insurance?
- Which pre-existing medical conditions do I need to declare for travel insurance?
- Travel insurance for gap year students
- What is 90-day travel insurance?
- Cancelling pet insurance
- What is car insurance group 8?
- What is car insurance group 6?
- Do I need onward travel breakdown cover?
- Is working from home covered by my home insurance?
- What does home insurance cover?
- Do car accident claims go to court?
- What is car tax and how is it calculated?
- Does pet insurance cover neutering?
- What is car insurance fronting?
- How much are puppy vaccinations in 2026?
- First-time buyer schemes in Scotland, Wales, and Northern Ireland
- How much does a funeral cost?
- Does life insurance cover suicide?
- Self-select ISAs MoneySuperMarket doesn’t offer a comparison service for self-select ISAs but we have a broad range of guides and information to help you with your ISA decisions. You can also compare stocks and shares ISAs within our investments hub.
- How is life assurance different to life insurance?
- What are P plates?
- What the EU's new entry-exit system means for you
- Food poisoning on holiday
- Ethical stocks and shares ISAs Ethical investing is a priority for many investors - an ethical stocks and shares ISA allows you to invest both in a tax-efficient way and in companies that don’t harm people or the environment.
- What is an emergency vet appointment?
- What is an unclaimed life insurance policy?
- Self-employed life insurance Employers often offer life insurance or death-in-service benefit as an employee perk. But self-employed workers will need to buy their own cover.
- How to raise a deposit for a home Rising house prices mean first-time buyers often need to put down tens of thousands of pounds as a deposit – this can present a massive hurdle to getting on the housing ladder. Unless you have a very high salary or are lucky enough to have family prepared to stump up the cash on your behalf, that means saving hard.
- Relevant life insurance guide Relevant life insurance is a type of life insurance offered by employers to employees as part of a workplace benefits package.
- How to protect yourself against identity theft Find out what identity theft is and how you can protect yourself
