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The best cheap web hosting is Hostinger, which starts at just $1.99/mo for a 48-month term and renews at $10.99/mo. Hostinger’s cheapest entry-level plan provides fast servers that scored a top A+ rank on our speed tests, 20GB SSD storage and 100GB bandwidth. A free SSL (Secure Sockets Layer), domain and AI website builder add extra value.
When choosing the best cheap web host, fast servers, SSD NVMe storage, unmetered bandwidth, email accounts, CDN (Content Delivery Networks), SSL, free domain and a 99.9% uptime guarantee are the most important criteria. This ensures the host covers all hosting essentials and that you won’t be caught off-guard by hidden costs. It is standard for cheap web hosts to offer introductory promotional pricing and charge a higher fee upon plan renewal. Be aware that the length of the contract you sign up for (monthly, annual, bi-annual, tri-annual) also affects affordability. Monthly plans incur smaller initial payments but cost more in the long run than yearly contracts.
HostPapa, GreenGeeks and DreamHost follow Hostinger as the best cheap web host. HostPapa starts at $1.45/mo (renews at $8.99). GreenGeeks starts at $1.95/mo (renews at $12.95/mo). DreamHost starts at $1.99/mo (renews at $7.99).
Not all cheap web hosts are reliable but there are legitimate reasons why a high-performance provider offers plans below the $5 price point. The first is because it’s selling shared server infrastructure. The second is because they’re offering promotional discounts to encourage new sign-ups. The 3 main problems of buying cheap web hosting are restricted resources, limited advanced features and slower customer support.
table of contents
Best affordable web hosting services
- Hostinger – Best for affordable premium-grade hosting
- HostPapa – Best for cheap cPanel hosting
- GreenGeeks – Best for cheap eco-friendly hosting
- DreamHost – Best for cheap WordPress hosting
- TMDHosting – Best for cheap business hosting
- What Is Cheap Web Hosting?
- What Are the Criteria for Choosing the Best Cheap Web Hosting?
- Do I Save More With Cheap Monthly or Yearly Web Hosting Plans?
- Which Is the Best Cheap Web Hosting With cPanel?
- Which Is the Best Cheap Web Hosting With Free Domain Name?
- Which Is the Best Cheap Web Hosting With Email?
- Which Is the Best Cheap Web Hosting for Multiple Domains?
- Which Is the Best Cheap Unlimited Web Hosting?
- Which Is the Best Cheap Web Hosting for Personal Websites?
- Which Is the Best Cheap Web Hosting for Small Businesses?
- Which Is the Best Cheap Web Hosting for VPS?
- Which Is the Best Cheap Web Hosting for WordPress?
- Which Is the Best Cheap Web Hosting for Dedicated Servers?
- Which Is the Best Cheap Web Hosting for Reseller?
- Which Is the Best Cheap Web Hosting for Linux Servers?
- Which Is the Best Cheap Web Hosting for Windows Servers?
- Which Is the Best Cheap Web Hosting for Australia?
- Which Is the Best Cheap Web Hosting for Canada?
- Which Is the Best Cheap Web Hosting for the UK?
- Which Is the Best Cheap Web Hosting for India?
1. Hostinger
- Great introductory price
- Cheapest long-term price on the market
- Great global coverage on a budget
- Premium performance and features
- Responsive multilingual support
- No daily backups on their cheaper plans
- Cheaper plans don’t include unlimited bandwidth
- No phone support
Hailing from Lithuania, Hostinger is a brand that keeps getting better by the year. In fact, they emerged as the fastest-growing web hosting provider of 2020, and it’s great to see that they’ve kept their prices as low as ever, even as they upgrade their features and grow their global presence.
Hostinger is our easy top choice for cheap web hosting because they offer premium hosting services at a very low signup price. Read our full Hostinger review to find out more!
Hostinger’s plans cater for a range of users – from bloggers and small businesses, to enterprise users. For this article, we tested out their cheapest plan (Premium Shared Hosting) which costs an insanely low $1.95/mo for a 48 month period.
| Features | Premium Shared | Business Shared | Cloud Startup |
|---|---|---|---|
| Price | $1.95/mo | $2.75/mo | $7.45/mo |
| Renews at | $10.99/mo | $16.99/mo | $25.99/mo |
| Storage | 20 GB | 50 GB NVMe | 100 GB NVMe |
| Max. websites allowed | 3 | 50 | 100 |
| See all features | Learn more | Learn more | Learn more |
* All plans come with a 30-day money back guarantee.
Their cheapest plan unlocks plenty of resources for your site, including some premium features like Git-access, 1-click app installs, unlimited free SSL and access through their slick and intuitive custom hPanel interface.
Whilst we think that’s ideal for smaller websites, if you need a little extra boost, you can unlock a lot more resources by upgrading to the next tier for just an extra monthly dollar. Business Shared Hosting costs $2.75/mo (for 48 months) and unlocks some juicy extras like:
- 250 Email accounts (free for 1 year)
- Daily on-demand backups
- AI Agent for WordPress
- Free CDN
Hostinger’s value-for-money doesn’t just lie in a list of features. It’s worth mentioning that one of their strongest assets is the quality of support they provide. Not only are their teams available 24/7 over Live Chat, but they currently serve over 20 countries in their native language!
Hostinger passed our own performance tests with flying colors. We built a total of 3 different test sites specifically to host on Hostinger and run through our server speed test tool. Here are the results from their US datacenter!
US Datacenter Average Speed: 136 ms – See full result
With an average response time of 136ms, Hostinger scored a solid A+. Users can speed things up even more with their very own Cache Manager, LiteSpeed cache, NGINX caching, PHP8 support and WordPress optimisation.
What’s also outstanding though, is how many servers they have around the world! They currently operate 11 data centers across the major continents, which means you can easily host from the location closest to your audience. This sort of range is surprising because you don’t expect that when you’re paying prices like these!
- Free domain name included for the first year.
- Price includes free website migration and free SSL.
2. HostPapa
- Data centers in Europe and North America
- Eco-conscious
- Great support team
- Free knowledgebase of videos and tutorials
- 30-minute consultation 1-on-1 for free!
- Need to pay extra for auto backups
- No data centers near Asia or Australia
HostPapa hails from Canada, which already bodes well for anyone looking for cheap hosting that takes privacy seriously – thanks to Canada’s strict PIPEDA laws.
We’re putting them on this list because we love how many ‘unlimited’ goodies HostPapa manages to squeeze in under an affordable, less than $5 price tag, even if they aren’t quite as cheap as the others on this list.
But HostPapa also has a few other special things going for it. From their award-winning customer support via the ‘PapaSquad’, to the fact that they were one of the first web hosting companies to make a public commitment to going green. Even today, they make a decent effort to offset their carbon emissions. See our in-depth HostPapa review for more info.
For this article we tested out their Essentials Plan, which is their cheapest on offer and offers surprisingly NVMe storage, unlimited bandwidth and a free SSL certificate thrown in!
| Features | Essentials | Growth | Premium |
|---|---|---|---|
| Price | $1.45/mo | $2.95/mo | $3.95/mo |
| Renews at | $8.99/mo | $13.99/mo | $19.99/mo |
| Storage | 25 GB NVMe | 100 GB NVMe | 200 GB NVMe |
| Max. websites allowed | 1 | 5 | Unlimited |
| See all features |
That said – if you’re setting up a business website and really want to get maximum value at a budget-friendly price, you can look one tier higher into their Growth plan.
This unlocks a free domain name, 100GB NVMe, CDN, 10 email accounts, 5 websites and even a website builder and malware scanner. That means never needing to worry about paying for additional storage space, additional sites, or adding on email accounts for new hires.
With 3 fast data centres, reliable support and budget-friendly prices, we think HostPapa makes for a great no-frills hosting solution for small businesses looking for a greener option.
To investigate their speeds, we set up and hosted a grand total of 3 test websites. We ran each site through the speed test tool and were really happy with the results!
EU Datacenter Average Speed: 143 ms – See full result
HostPapa’s worldwide average response time was 143 ms. That earns this host a solid A+ rank. To sum it up, HostPapa’s servers respond quickly for ALL your site visitors
3. GreenGeeks
- Environment-friendly
- Free SSL, domain and nightly backup
- 30-day money back guarantee
- Lots of unlimited resources for a low price tag
- Price almost 7 fold upon renewal
- No data centers near to Asia or Oceania
GreenGeeks tick virtually every box of a premium web host.
However, the special thing about them isn’t just their generous features or their high speeds, it’s that GreenGeeks gives back to the planet by investing 3 times of every amp they use into renewable energy!
In short, they’re fast, affordable, and a better choice for the planet. See our in-depth GreenGeeks review for more info.
Very rarely do you see a cheap web hosting service as environmentally-conscious as GreenGeeks. And you won’t need to compromise anything either – they set you up with a generous amount of resources even on their cheapest ‘Lite’ plan.
| Features | Lite | Pro | Premium |
|---|---|---|---|
| Price | $1.95/mo | $3.95/mo | $5.95/mo |
| Renews at | $12.95/mo | $17.95/mo | $29.95/mo |
| Storage | 25 GB | 50 GB | 100 GB |
| Max. websites allowed | 1 | Unlimited | Unlimited |
| See all features | Learn more | Learn more | Learn more |
We’re talking unmetered data transfers, unlimited databases, and even 50 email accounts – something that will come in handy for businesses!
They’ve even thrown in free SSL, a free domain, free nightly backups and sweetened the deal with a 30-day money-back guarantee.
Add that to a strong support team, cutting edge infrastructure and CloudFlare integration, we think GreenGeeks offers an impressive amount of value for money.
To test out their servers, we set up and hosted 2 different test sites on GreenGeeks.
Here are the results from our test site hosted on their cheapest Lite plan, from their US data center.
US Datacenter Average Speed: 118.6 ms – See full result
At a worldwide average of 118.6 ms, GreenGeeks scored a fantastic A+, faster than Google’s recommended response time and than most of the hosts on this list!
However, their data centers are based only in Chicago (US), Phoenix (US), Toronto (CA), Montreal (CA) and Amsterdam (EU). So, if you’re targeting Asia, you might not be able to experience them at their optimum speed.
4. DreamHost
- Free SSL and WordPress migrations
- Excellent security suite without paying extra
- Free handcrafted starter website
- 1 of the oldest brands in the industry – close to 30 years!
- Need to pay extra for auto backups
- No data centers near Asia or Australia
DreamHost is one of the most established names in the industry, but they’ve kepting on wowing us over the years. Aside from being able to boast an official WordPress endorsement, DreamHost offers very high-value hosting for surprisingly cheap.
We’d recommend these guys if you want budget hosting for a WordPress site, especially if you’re just starting out. See our Dreamhost review to learn more.
DreamHost plans are packed with value, including unlimited bandwidth, a free domain name and premium features like a AI WordPress website builder to help you throw together a pro-looking website, ASAP.
Even their cheapest plans (starting from $1.99 /mo) cover a surprising amount of essential ground for small businesses, including great security features and a 100% uptime guarantee. Basically – you cover your bases without breaking the bank.
| Features | Launch | Growth | Scale |
|---|---|---|---|
| Price | $1.99/mo | $3.49/mo | $7.99/mo |
| Renews at | $7.99/mo | $8.99/mo | $19.99/mo |
| Storage | 20 GB NVMe | 50 GB NVMe | 100 GB NVMe |
| Max. websites allowed | 25 | 50 | 100 |
| See all features | Learn more | Learn more | Learn more |
You also get the rare option to pay on a monthly basis, which is something that many hosts don’t offer anymore. Whilst you won’t unlock the cheapest prices this way, you may appreciate the cashflow advantage.
DreamHost also performs fantastically. When put through our speed test, their SSD servers recorded the fastest average response times out of all the hosts we’ve tested here!
US (E) Datacenter Average Speed: 118.4 ms – See full result
We were impressed with their average response time of 118.4 ms, scoring a solid A+ rank.
Their downsides? They only have servers based in the US, so may not be the best choice for those with audiences in Asia or Oceania since you can see that speeds are slower there.
5. TMDHosting
- Global data center network across 5 continents
- Free SSL certificate across all plans
- 99.9% uptime guarantee
- Fully managed hosting services
- No daily backups on the cheapest plan
- Limited server resources on the cheapest plan
TMDHosting was launched in 2017 and has grown into a reputable web host that serves 300,000+ websites globally. It offers truly affordable introductory prices with a Starter plan that costs just $2.99 per month. This includes server management and maintenance services that most other web hosts charge extra for. Check our TMDHosting review to learn more.
TMDHosting’s Starter plan offers excellent value for money and is priced at $9.52/month. This includes 50GB SSD storage, free SSL, free website transfer and free access to their Weebly website builder.
The plan also includes value-enhancing features like unlimited email accounts and unlimited sub and parked domains. All TMDHosting’s plans include managed services such as server monitoring and server updates.
| Features | Starter | Business | Enterprise |
|---|---|---|---|
| Price | $9.52/mo | $12.72/mo | $19.12/mo |
| Renews at | $11.90/mo | $15.90/mo | $23.90/mo |
| Storage | 50 GB | 100 GB | Unlimited |
| Max. websites allowed | 1 | Unlimited | Unlimited |
| See all features | Learn more | Learn more | Learn more |
Upgrading to their Business shared hosting plan allows you to host unlimited websites for $12.72/mo. This next tier up also gives you 30 daily backup copies and 100GB SSD Space.
TMDHosting’s performance was excellent and our test site returned an average global response time of 126.8ms. This performance metric earns them an A+ rating on the Bitcatcha Server Speed checker. Here are the results from their US datacenter.
US Datacenter Average Speed: 40.5 ms – See full result
TMDHosting utilizes a global network of 6 data centers in strategic locations such as Chicago, London, Amsterdam, Singapore, Sydney, and Tokyo. Even their shared hosting plans utilize cutting edge CloudLinux servers that provide their customers with N+1 redundancy. N+1 redundancy means they have at least one extra system as a backup to ensure continuous service even if one server fails. This unlocks fast speeds and high availability regardless of your audience’s geographic location.
What Is Cheap Web Hosting?
Cheap web hosting refers to web hosting plans that cost $5 or less per month. This budget price point typically gives users access to shared hosting, basic WordPress hosting, and even entry-level VPS hosting. Cheap web hosting plans offer the key essentials of web hosting at an accessible price, making it easy for small businesses and beginners to take a website online.
How Are Cheap Web Hosting Plans So Affordable?
Cheap web hosting plans are made so affordable because the web host places limits on certain features. They also share their server resources between multiple users. This is instead of allocating you dedicated features and this further reduces costs. Most budget-friendly web hosts offer introductory discounts for new signups in order to attract new customers. New users have the chance to purchase hosting plans at a dramatically reduced price that can go as high as 80% off.
Are There Hidden Costs With Cheap Web Hosting?
Reputable cheap web hosting providers do not incur hidden costs. A hidden cost refers to unexpected fees or charges that are not initially disclosed when you sign up for a service. In the context of web hosting, this includes unexpectedly high renewal rates or charging extra for key features like SSL certificates, CDN, or emails. A good cheap web hosting provider clearly spells out the renewal price of their plans on the pricing section of their website. They also provide detailed transparent breakdowns of what’s included. They also allow you to select or deselect add-ons during the checkout process to ensure you only pay for what you want.
What Are the Limitations of Cheap Web Hosting?
There are 3 main limitations of cheap web hosting. The first is limited resources. Cheap web hosts offer limited storage and bandwidth. This leads to bottlenecks in website performance for fast growing websites since they outgrow such allocated resources quickly. The second limitation of cheap web hosting is limited features. Advanced features such as Wildcard SSL certificates, advanced firewall, dedicated IPs require additional fees. eCommerce features such as shopping carts, payment gateways and plug-ins may also require you to upgrade to a pricier plan. The third limitation is slow support. Web hosts reserve priority support for higher-tier customers. Certain cheap web hosts require you to wait up to 48 hours to receive a response from their customer support.
When Should I Upgrade From a Cheap Web Host?
You should consider upgrading from a cheap web hosting plan when your website starts to outgrow the basic resources and support it provides. These issues typically appear as slow server response time and inconsistent uptime. Track these metrics using a host tracker such as UptimeRobot, Pingdom, GTmetrix, or Bitcatcha Host Tracker. Bitcatcha Host Tracker helps monitor performance from your target region and provides historical data to help you decide when it’s time to reconsider your budget and upgrade to a more expensive plan.
What Are the Criteria for Choosing the Best Cheap Web Hosting?
Choose a cheap web hosting plan by checking for 6 things: yearly or multi-year pricing, SSD or NVMe storage, cPanel support, free domain name, free email accounts, and global data center locations.
Firstly, check if the plan offers yearly or multi-year pricing. These long-term plans often unlock the lowest monthly rates and help you save more over time.
Secondly, make sure the plan includes SSD (Solid State Drive) or NVMe (Non-Volatile Memory Express) storage. These types of storage are significantly faster than traditional HDDs (Hard Disk Drive) and help websites load more quickly.
Thirdly, confirm that the cPanel control panel is included. cPanel provides a beginner-friendly interface to manage files, databases, and email accounts with ease.
Fourthly, look for free domain name registration. This helps you save on upfront costs and simplifies the process of launching your website.
Fifthly, see if free email accounts are part of the plan. This allows you to create branded email addresses without paying extra.
Finally, consider where the host’s data centers are located. Servers closer to your target audience will deliver better speed and uptime.
Do I Save More With Cheap Monthly or Yearly Web Hosting Plans?
You save more by opting for cheap yearly web hosting plans when the host is offering an introductory discount. Web hosts typically offer higher introductory discounts to users who commit to a longer-term plan that lasts beyond 12 months to save them money. This usually means that paying one lump sum for a 12 month (1 year), 24 month (2 years) or 36 month (3 years) plan will result in a lower ‘per month’ fee than purchasing a plan that renews on a monthly basis. It’s important to only commit to a long-term web hosting plan when you’ve done the research to make sure the web host is a good fit for your long-term website needs.
Which Is the Best Cheap Yearly Web Hosting?
The best cheap yearly web hosting is Hostinger. It offers unbeatable value with plans starting as low as $3.99/month on a 12-month term. Hostinger combines low long-term pricing with essential features like SSD storage, a free domain name, free email accounts, and a beginner-friendly hPanel (similar to cPanel). Its performance is also strong, with a global network of 10 data centers and built-in caching to boost loading speed.
Which Is the Best Cheap Web Hosting With cPanel?
The best cheap web hosting with cPanel is Hostinger. Hostinger uses its custom hPanel for most plans, but it also offers affordable VPS hosting plans that include full cPanel access for users who prefer the traditional interface. These plans include SSD storage, email hosting, a free domain (on select tiers), and one-click app installs (all managed via cPanel for streamlined site control). See our full list of cheap cPanel hosts for more options.
Which Is the Best Cheap Web Hosting With Free Domain Name?
The best cheap web hosting with a free domain name is Hostinger. Its Premium and Business shared hosting plans include a free domain for the first year. This eliminates extra upfront domain registration costs while giving you access to fast SSD storage, free email, and a user-friendly control panel.
Which Is the Best Cheap Web Hosting With Email?
The best cheap web hosting with email is TMDHosting. TMDHosting includes unlimited email accounts with spam filtering at no extra cost, even on its lowest-tier shared hosting plan (starts at $9.52/month). This offers great value for users who need multiple branded email addresses for personal use or small teams. TMDHosting bundles email services, while other budget hosts often limit them or charge extra.
Which Is the Best Cheap Web Hosting for Multiple Domains?
The best cheap web hosting for multiple domains is TMDHosting. Its Business and Enterprise shared hosting plans support unlimited websites, subdomains, and parked domains. This makes it ideal for users managing several sites under one account. Many budget hosts restrict you to a single domain on entry plans, but TMDHosting provides greater flexibility without steep price hikes. It’s a solid choice for domain portfolio owners, freelancers, or side projects.
Which Is the Best Cheap Unlimited Web Hosting?
The best cheap unlimited web hosting provider is DreamHost. Its Shared Unlimited plan ($4.95/mo) offers unlimited websites, SSD storage, bandwidth, and professional email accounts. This makes it ideal for users who want freedom to scale without worrying about storage caps or traffic limits. DreamHost also includes free SSL, a free domain name, and an industry-best 97-day money-back guarantee, all backed by a 100% uptime promise. It’s an excellent value for users seeking truly unlimited hosting features at an affordable price.
Which Is the Best Cheap Web Hosting for Personal Websites?
The best cheap web hosting for personal websites is Hostinger. Its Premium plan starts at just $2.99/month and is perfect for portfolios, blogs, or resumes. It includes 25GB of SSD storage, a user-friendly site builder, 2 free mailboxes per website, and 24/7 support. It also provides fast load times, automatic backups, and one-click WordPress installs to keep personal sites running smoothly at minimal cost.
Which Is the Best Cheap Web Hosting for Small Businesses?
The best cheap web hosting for small businesses is HostPapa. Its Essentials plan includes a free SSL certificate, 2 email accounts, and the cPanel control panel. These essential features make it easy to manage your business site, professional email, and hosting settings all in one place. HostPapa also offers NVMe storage, 24/7 support, and 3 global data centers for strong performance.
Which Is the Best Cheap Web Hosting for VPS?
The best cheap web hosting for VPS is Hostinger. Hostinger’s VPS plans start at $4.99/month and offer excellent value with dedicated resources, full root access, SSD storage, and a choice of 10 server locations. Hostinger also provides a custom VPS control panel for easy management and supports Linux-based environments. See our full list of cheap VPS hosting options for more alternatives.
Which Is the Best Cheap Web Hosting for WordPress?
The best cheap web hosting for WordPress is Hostinger. Its WordPress Starter plan costs just $2.99/month and offers fully managed hosting optimized for WordPress performance. It includes pre-installed WordPress, smart auto-updates, LiteSpeed caching, and a WordPress staging tool. It also comes with a free domain and Hostinger’s custom control panel. See our full list of cheap WordPress hosting options for more alternatives.
Which Is the Best Cheap Web Hosting for Dedicated Servers?
The best cheap web hosting for dedicated servers is TMDHosting. TMDHosting’s Linux dedicated server plans start at $159.99/month. It includes 250GB SSD with RAID 10, 8 CPU cores, 8GB DDR4 RAM, unlimited bandwidth, and a free cPanel/WHM license. All plans come fully managed with DDoS protection, dedicated IP, and 24/7 expert support. TMDHosting provides great value for users who need reliable performance and control without managing the backend on their own. See our full list of cheap dedicated hosting providers for more options.
Which Is the Best Cheap Web Hosting for Reseller?
The best cheap web hosting for reseller plans is HostPapa. Plans start at $14.95 /month and include all-NVMe storage, free cPanel/WHM, white-label branding, and Softaculous for one-click app installs. HostPapa is a strong choice for freelancers or small agencies who want to sell hosting under their own brand while benefiting from managed support and premium infrastructure. See our full list of cheap reseller hosting options for more alternatives.
Which Is the Best Cheap Web Hosting for Linux Servers?
The best cheap web hosting for Linux servers is Hostinger. Its Linux-based shared hosting plans start at just $2.99/month and come with full SSD storage, a free domain, email accounts, and built-in tools like SSH and Git access. Hostinger also supports Ubuntu, CentOS, Debian, Rocky Linux, and AlmaLinux across its VPS plans. This gives developers and power users flexibility without sacrificing affordability. See our full list of cheap Linux hosting options for more providers.
Which Is the Best Cheap Web Hosting for Windows Servers?
The best cheap web hosting for Windows servers is TMDHosting. TMDHosting provides fully managed Windows cloud hosting starting at $11.92/month. Their plans come with SSD storage, a free domain, and the Plesk control panel. It supports ASP.NET, MSSQL, PHP, and FastCGI, and includes essential features like SSL, daily backups, and SpamExperts protection. Each plan runs on Windows Server 2022 with dedicated IIS app pools. See our full list of cheap Windows hosting providers for more alternatives.
Which Is the Best Cheap Web Hosting for Australia?
The best cheap web hosting for Australia is TMDHosting. It operates a Sydney-based data center that delivers faster speeds for users across the region. TMDHosting includes SSD storage, a free domain name, cPanel access, and free SSL in all shared hosting plans. Responsive support and a 30-day money-back guarantee make it a reliable and affordable choice for hosting in Australia.
Which Is the Best Cheap Web Hosting for Canada?
The best cheap web hosting for Canada is HostPapa. It offers fast and reliable performance thanks to its Toronto-based data center. Users also get a free domain name, cPanel, SSL, and backups. HostPapa is a great pick for Canadian users who want value-for-money and speed.
Which Is the Best Cheap Web Hosting for the UK?
The best cheap web hosting for the UK is Hostinger. It delivers strong speeds to the UK thanks to a UK data center and nearby European servers in France, Germany, Lithuania, and the Netherlands. Hostinger includes a free domain, email, cPanel alternative (hPanel), SSD storage, and 1-click WordPress installs. It’s ideal for UK users who want fast, reliable hosting with essential features at a low yearly rate.