Lovemoney's personal finance awards stand out from the crowd because they're chosen by ordinary readers of the Lovemoney site. Not by a back-slapping committee of industry judges.
Readers give their verdicts on the financial products that they use, so these awards are a reflection of real-life experiences. Awards are given for best credit cards, mortgages, savings accounts, current accounts and insurance policies.
In each category, there is an award for the winner plus two Lovemoney 'cheer' awards for the runners-up.
There is no need for any financial provider to fill out forms to enter our awards. We ask our readers what products they are using and we take it from there.