Individuals with low financial literacy are less in a place to handle macroeconomic shocks. It is feasible for debtors who go to direct lenders and comparison websites to be victims of mis promoting. Large banks could make comparisons more difficult by charging completely different rates of interest and fees to completely different prospects. Mortgages are bundled with other financial merchandise corresponding to credit cards or insurance cover. Comparison websites could favor products that aren’t one of the best deals for consumers.