Norton Finance Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

Loans

Norton Finance are committed to providing the best and most suitable loans for your circumstances. We’ll help you decide which type of loan is the right one for you. Whether you are considering secured or unsecured loans, Norton Finance will help you find the loan with the lowest interest rate and the most preferential terms to suit your own personal and individual requirements.

Norton Finance have been successfully providing loans to thousands of customers for over 35 years. All our loans are arranged in complete confidence and we pride ourselves in the speed and quality of service, from staff with many years of experience who will deal with your loan application swiftly and efficiently through to completion.

Whichever of our loans you choose they all can be used for any purpose you wish. You may decide it is the right time to consolidate and pay off all your existing loans, credit cards, store cards, overdrafts etc and leave yourself just one, more manageable, monthly payment. Or, alternatively, you may wish to do some alterations to your home: a new kitchen, an extension, a patio or redesign your garden – the choice is up to you. Whatever it is, now could be the perfect time to put your ideas into action.

Loans range from £3,000 to £100,000 and the repayment period is from 3 to 25 years.

All Types of Loans
For All Types of People
Loans £3,000 to £100,000
Remortgages £25,000 to £500,000

The application process is simple. Complete the brief online enquiry form and we will contact you within hours with the result of our searches.

or call our FREEPHONE 0800 694 5566 for immediate assistance. Whatever your circumstances or requirements we could help.

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UkLoanDeal Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

Get your COMPETITIVE lowest rate loan, now

 Most competitive rates in the industry!
 Loans up to £100,000 for any purpose. All credit types accepted.
 Save £100s each month with a low-rate loan.

No Obligation.  Short & Simple 1 Minute Form.  Apply Now…

 

We can help you.

Rates From 7.9% in some circumstances!

Secure & Confidential
Your details are safe and protected, we take your privacy seriously.

We Monitor The Market
We monitor hundreds of loan plans daily to give you the best deal.

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UkPaydayToday Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

CASH YOU NEED WHEN YOU NEED IT

UK Payday Today is here for you when you’re low on funds. Do you need some extra cash to pay the bills? Does your car need repaired? Have you incurred some unexpected medical costs? There are countless reasons you may need extra cash before your next payday and that’s where we come in. UK Payday Today provides top rate service to you in your time of need. When other sources of credit are unavailable, a payday loan is a good option to have. The process is simple and upon completing the online application, you could be approved for a loan of up to £1000. No credit checks, no long paperwork and no waiting to see if you’re approved. We have assisted thousands of people in their time of need and we look forward to serving you. With a little help from UK Payday Today you can make it to your next payday without feeling the strain of low funds. Take some time to explore our site and educate yourself on what a payday loan is and how it can benefit you.

How It Works

We have made the application process simple and straight forward. There is no lengthy, confusing paper forms to fill out, just a convenient online application. When you need cash fast we understand that the last thing you want to do is be hassled by a long application process. The process is easy and should only take a few minutes to complete. Here’s a look at the process step-by-step so you’ll know what to expect when applying. You’re only three short steps away from getting the cash you need.

Step 1

Start by clicking the Apply Now tab and complete the short form with some basic information about you and your financial needs.

Step 2

Upon completion of the first form, you will continue on with the second portion of the form and provide more detailed information about you and your financial needs. The form should take you no more than a few minutes to fill out and it must be completed in full to be approved. Be assured that all of your personal information is secure and your privacy is protected during this process. Once you have submitted this form, you are done. While you wait, a quick credit analysis will be completed and you are advised of a preliminary approved or declined outcome within one minute.

Step 3

Upon a preliminary approval, a customer service representative will contact you to review the application, confirm your loan amount and other details. Then the established loan amount will be directly deposited into you bank account by the lender in an average of one business day. The money is yours to do with as needed.

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Theonestopmarket Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

Apply for up to £25,000

  • Licensed Credit Broker
  • Understand and improve your credit score
  • Boost your income and save money
  • We search 269 lenders
  • 14 days peace of mind
  • One off joining fee of £67.74 with unlimited usage

We Save You Money

Join today and receive our fast cash finding service. Helping you borrow up to £25,000, find legal loopholes and save money on anything and everything.

 

14 Days Peace of Mind

There is a fee for our service of £14.97 a month and a joining fee of £67.74. We offer a 14 day free trial. If you wish to cancel your account just log in and goto My Account and click to confirm.

 

Finding You The Right Loan

We find the best financial solution based on what you need. Remember you will have access to both The One Stop Market and Credit Saver when you sign up.

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Lloyds TSB Personal Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

Let us help you find the loan that’s right for you

Whatever your plans, our personal loans are here to help – whether you’re planning to make some home improvements, buy a new car or treat yourself to a well-earned holiday. Use our online tools and flexible repayment options to get the right loan for you today.

 

Features & Benefits

  • Choose to borrow up to £25,000.
  • Payments fixed for the life of your loan.
  • Optional loan repayment holidays if you’d like to take a break later on.
  • Flexibility to pay off lump sums or a bit extra now and then.
  • Use the affordability guide to find out how much you can borrow.
  • No arrangement fees.
  • Manage your loan along with your finances in Internet Banking.
  • Your loan repayments are taken monthly by direct debit from your Lloyds TSB current account.

Our responsibility to you

We’ll never encourage you to borrow more than you can afford. We have lots of advice and guidance to help you get it right.

Apply today

As long as you are a Lloyds TSB Current Account holder who has had their account for more than three months you can apply for a personal loan and get an instant decision by applying online.

Registered for Internet Banking?
Log in and get a personalised quote in just a few clicks.

Get a quote for an Internet Banking Personal loan

Not Registered for Internet Banking?
Your loan application will take about 10 minutes to complete and is totally secure.

 

How much we lend (if any) depends on our assessment of your circumstances. To apply, you must be 18 or over and a UK resident. Written quotations are available on request, please contact your nearest branch.
The rates term and repayments may vary depending on how you contact us to apply for your loan.

Rates may also vary according to a combination of factors which we consider to set your personal loan rate for you. These include past credit repayment history, your past account history and other personal details held on our records.

 

How to apply

Our loans are only available to Lloyds TSB Current Account holders who have had their account for more than three months.

Online

Get an instant decision by applying online. Your application will take about 10 minutes to complete and is totally secure.

Registered for Internet Banking?
Login and get a quote in just a few clicks.

Get a quote for an Internet Banking Personal loan

Not Registered for Internet Banking?
Your application will take about 10 minutes to complete and is totally secure.

Get a quote for a personal loan.

By Phone

Call us on 0800 096 1356 to get a personal loan quote. Lines open 8am – 10pm, 7 days a week.

In Branch

Our staff at your local branch will be happy to discuss your requirements and will usually be able to give you an answer the same day.

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Santander Unsecured Personal Loans

Posted by on Oct 19, 2011 in LOAN | 0 comments

Seize the day with a Personal Loan

A Personal Loan could be the perfect way to get your ideas off the ground. Whether you’re looking to pay off existing loans, consolidate credit, give your home a makeover or invest in a car, a Personal Loan could help you make it happen. Personal Loans can be between £1,000 and £20,000 and run for anything from one to five years. Get added peace of mind with optional  Personal Loan Payment Protection Insurance for an extra cost.

You can apply online and take advantage of our excellent rate of 7.4% APR typical for loans of £7,500 to £10,000. You’ll find it easy to apply online and it is completely secure.  It should take around 5 minutes to apply and in most cases we’ll get a decision to you within 24 hours. Just click on the apply link below.

 

Existing Santander and Alliance & Leicester Personal Loan Customers

 

As a customer who already has a Personal Loan with Santander or Alliance & Leicester you have two options available to you in order to access more money.  You can either:

1. Top up your existing loan by calling us on 0800 028 4055* and quote 7030. We’ll simply replace your old loan with a new one so all your borrowing is in one place.
2. Take out a new loan. Apply here and you could get a decision in minutes

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Natwest Personal Loan

Posted by on Oct 19, 2011 in LOAN | 0 comments

  • A NatWest current account
  • Aged 18 or over
  • Have a regular income
  • Have a good credit history

then you may be eligible for a personal loan.

Representative 8.9% APR

For loans between £7,500 to £14,950

  • Online application takes just minutes.
  • Money could be in your account the next working day (online banking customers only).
  • Rates are fixed for the lifetime of the loan

Home improvements loans?
You can borrow from £2,500 over 10 years

All other loans
Maximum term for loans up to £14,950 is 5 years.
For loans between £15,000 and £25,000, you can borrow over a maximum of 7 years

Rates and circumstances
Money in your account next day applies to existing NatWest online banking customers who apply between 6.30am and 5.55pm Monday to Thursday (excluding public holidays). For customer who meet all of our credit requirements, have their loan application accepted, are eligible and choose to complete their loan documentation online, the loan funds will be available the next working day from 9.00am. Sometimes we may need to give an application further consideration, and so the decision may be delayed.

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Halifax Personal Loans

Posted by on Oct 19, 2011 in LOAN | 0 comments

Halifax Personal Loan

A Halifax Loan can be a great way of putting your plans into action and you can soon get things moving with a quick decision on your application.

So whatever you’re looking to do, whether you’re making a start on tidying up your finances, buying a new car, planning that dream wedding, or making some home improvements, we’re sure our loan can help you.

You could borrow from £1,000 to £25,000 with our current best loan rate on offer between £7,000 to £15,000. So whether you are looking for a small loan, big loan, or something in between, our online loan calculator can help you work out what you can afford to borrow

 

Representative example

Loan amount Monthly repayment
£9,000 £184.68
Loan term (months) Number of repayments
60 60
Total amount repayable
£11,080.80
Representative APR
8.8% APR
Annual interest rate (fixed)
8.85%
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Bank of Scotland Personal Loans

Posted by on Oct 19, 2011 in LOAN | 0 comments

Personal loans for £7,000 to £15,000

Existing Bank of Scotland customers can apply for an unsecured personal loan of between £7,000 and £15,000 and get an instant online decision.

9.9% APR representative

Find out more

Personal loans for £1,000 to £25,000

Existing Bank of Scotland customers can borrow other loan amounts between £1,000 and £25,000 over 1 – 7 years.  Apply now for an instant decision.

Find out more

Graduate loan

Get your finances back in order after graduating. Existing Bank of Scotland customers can borrow between £1,000 and £10,000 for up to 5 years.

Find out more

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HSBC Personal Loans

Posted by on Oct 19, 2011 in LOAN | 0 comments

We can tailor our Personal Loans to meet your needs. Representative 6.4% APR for loans between £7,000 and £15,000.

 

The essentials

 

  • Apply online with Internet Banking and we’ll give you an instant credit decision, with no need to complete paper documents.
  • If your application is agreed online we’ll put the money in your account immediately, any time day or night (subject to planned maintenance).
  • If you already have a Personal Loan with us and want to borrow more money you can also apply for this online.
  • Spread your repayments equally over one to five years for Personal Loans of £15,000 and less, or one to eight years for Personal Loans over £15,000, with our fixed repayment terms.
  • HSBC Personal Loans are only available to existing HSBC current account customers.
  • You could have the option to defer your Personal Loan repayment for the first three months or take a repayment holiday every January for the life of the Personal Loan. Interest is charged over the full term of the loan, including the deferred period if this option is taken, and any month when a repayment is not made. This means that the amount of interest paid will be higher. The three month repayment holiday must be taken at the start of the loan and can’t be offered where more than 70% of the loan is for refinancing existing borrowing.
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Which4u Comppare Banking Acocunts

Posted by on Oct 18, 2011 in CURRENT ACCOUNTS | 0 comments

Compare Banking, Savings, ISAs & Investment Accounts

With savings accounts, ISAs, fixed term bonds and bank accounts offers changing regularly, we have made it easy to quickly understand the best deals available using our comprehensive tables.

 

financial comparison
made easy

  • Our tables list the major high street brands
  • Quickly find who is offering the best deal
  • Receive help, guidance, and the latest news
  • Save money on everyday essentials
  • Keep up to date by signing up to our e-newsletter
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First Direct 1st Account

Posted by on Oct 18, 2011 in CURRENT ACCOUNTS | 0 comments

Our 1st Account

With our 1st Account you’ll get £100 for switching and a £250 interest-free overdraft comes as standard. Discover how simple our Easyswitch team make moving your account and just how refreshing it is to talk to real people 24 7 365. We’re sure you’ll love us.

And if you don’t, we’ll give you another £100 and help you leave. That’s our satisfaction guarantee

£100 when you switch

switch your bank account now and we make a simple promise to give you £100
to qualify you need to transfer your salary/income of at least £1,500 per month within three months
sorry, but we can only offer this to people who haven’t previously experienced the delights of banking with first direct.

Satisfaction guaranteed

if, within 12 months, you’re not happy with us we’ll give you £100 and help you move your account
you must have paid in at least £1,500 a month for six months and not have tried us before
you’ll also need to have used our Easyswitch service, for the transfer of standing orders and direct debits from your old bank
all other accounts held with first direct must be closed when you move accounts.

Easyswitch

our Easyswitch team make moving easy and do the hard work for you.

Why choose first direct?       

we’re the UK’s most recommended bank, so you know we come with a great reputation*
we’ve won a whole host of awards

innovation, customer satisfaction and great products.

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KnownYourMoney Compare Current Accounts

Posted by on Oct 18, 2011 in CURRENT ACCOUNTS | 0 comments

Compare Current Accounts

Compare the best current accounts available from the major high street banks and internet providers. Know Your Money also provide a comprehensive guide to choosing and switching your current account which can be found under ‘guides’ in the current account section.

Choosing a current account

In recent years the UK current account market has diversified to offer a wide range of products covering everything from basic, no-frills accounts to the increasingly prevalent kitchen-sink-and-all packaged accounts to niche accounts aimed at particular target markets.

Below take a look at the various types of current account, what benefits they offer and which type of customer they may suit best:

Main types of current account

The basic current account: Most banks offer two types of basic current account: one allows you a chequebook and an overdraft facility, the other doesn’t (which is great if you do not want to borrow or become overdrawn). The basic current account nowadays typically comes with a number of standard features:

  • Free everyday banking
  • Online and phone banking
  • Bill payment – via standing orders and direct debits
  • Cash withdrawal from almost all UK cash machines (some cash machines charge a fee)
  • Cash-card enabling you to pay for goods and services
  • Monthly statements

Since basic current accounts include all the essential banking features and rarely come with a monthly charge they are recommended to anyone looking for a no-nonsense, free bank account.

The Packaged Current Account: The packaged current account is your basic current account with extra frills. The frills are wide ranging and differ between banks – the same bank will usually offer a whole range of packaged accounts with tiers of increasing features including:

  • Higher credit interest and/or lower cost overdrafts
  • Free house, car and travel insurance
  • Free mobile phone insurance
  • Free car breakdown insurance
  • Protection from Identity theft
  • Earn airmiles, travel benefits and discounts
  • Card protection
  • Commission-free foreign currency and more

Sadly the ‘frills’ aren’t on the house, so in order to take advantage of them you will have to pay a monthly fee for your account. The average monthly fee is around £13 however it can range from £5 to £25 (or put it another way – £60 – £300 per annum). Packaged accounts meet the needs of some customers but for many they are a waste of money. Most customers are persuaded to upgrade from their fee-free account by their existing bank rather than actively looking to upgrade themselves – but packaged accounts are not suitable for everyone.

When it’s worthwhile

  • You are a homeowner, car owner and travel abroad regularly
  • You have a hectic lifestyle and don’t have the time/energy to shop around to get the best buys
  • You wouldn’t otherwise have cover
  • You NEED at least two of the main benefits being offered
  • The superiority factor of your ‘prestigious’ account is a perk worth paying for

When to pass on it

  • You already shop around for Best Buys
  • You want higher level insurance than the ones being offered in your package
  • When the benefits being offered aren’t ones that you actually NEED!

The small print

  • What’s the minimum deposit? You may have to agree to deposit a certain amount in to your account each month (e.g £1000 per month)
  • Do you need to earn a minimum amount? One bank gives a reduced monthly-fee if you earn more than £100,000
  • Is further registration required? You often actually have to register if you want to take advantage of each benefit available within your package
  • Do the ‘benefits’ cover everything you require? For example; the package account may only come with basic breakdown cover. If you need breakdown from home then it’s not going to be that useful if it’s not included
  • Do you really need all those benefits? Worldwide travel may sound fine but if you don’t go further afield than the Costa-del-Sol – you could get your travel insurance much cheaper elsewhere

Tip: In the main, borrowing rates on packaged accounts don’t beat the best buys on the market for loans and credit cards. You might be better switching to a different bank altogether if you want the best deal. Always read the small print carefully!

Niche current accounts

The young person’s account: Knowing how infrequent we change our current accounts, banks are particularly eager to seize our burgeoning number of youngsters. Today’s young pocket-money saver will be tomorrow’s high flyer. Natwest, for example, allow young account holders to upload or create their own design to be printed on to their cashcard – thus allowing them to have their favorite picture of themselves and/or friends on their card. Added to this – the juvenile account holder also has access to a website designed especially for them in mind with financial guidelines/offers and ideas. Other temptations from banks include free text or music downloads and attractive discounts to cinemas and high street stores.

The student/graduate account: Again, like the young person – a student/graduate account is a lucrative new customer. Not for the initial years when the student is struggling to make ends meet but for the transition from student to worker and beyond.

Most banks have special offers for students. Railcards, Youth Hostel Association membership, iPods, digital cameras and so on are all regularly given away as free gifts. More importantly, the account also tends to come with an interest-free overdraft and low-interest credit card, although you should be wary about getting too far into debt.

Yet it’s not just the free gifts and the financial incentives being pitched at the student- the banks also can offer assistance with budgeting calculators, volunteer job contacts and funding contacts. And as you move towards graduation and beyond, there are other facilities available such as personal loans and mortgages to help you get on the property ladder – some banks will automatically upgrade you to their graduate accounts in the third year of your studies.

The offers change all the time, so it’s simply a case of seeing what’s out there at the time that you’re opening your account.

The premium account: Unsurprisingly, the banks pull out all the stops to get wealthy individuals to bank with them. With this in mind, premium accounts roll out a red carpet of exclusive benefits to well-to-do customers such as priority branch and telephone service, wealth management assistance and international travel and leisure services. Eligibility for these accounts is significantly higher than on regular packaged accounts – the HSBC Premier Bank Account, for example, requires a salary of £100,000 – so the majority of customers will miss out.

The non-resident’s account: Whether banks tailor individual accounts to specific nationalities or put forward a ‘one-size-fits-all’ approach – each of the major banks now offer a host of provisions aimed at the non-resident either studying or working in the UK. The smaller banks are catching up slowly to what appears to be an expanding market. If you are a newcomer to the UK HSBC gear their ‘Passport’ service to you – marketed in eight different languages (Bulgarian, Czech, French, Portuguese, Russian, Chinese, Filipino, Polish, Romanian and Spanish) – the account provides exclusive access to the relocation service red24 giving practical information on housing, schooling, police, health service, jobs and employment and also contacts for embassies and consulates. With Barclays, the preference is to make available staff that can speak your native-tongue. The bank has more than 30 branches with Polish-speaking staff for example (although mainly in Greater London). Its branch in Ealing Broadway, west London, an area with more than 40,000 Poles, has eight Polish members of staff.

The islamic current account: Lloyds TSB were the front runner in creating a suite of products for the Muslim customer – including both a student Islamic current account and a standard current account following the Islamic practice of Shariah. Interest is not acceptable as it is believed to divert resources from the poor to the rich therefore not only is interest on the account (debit or credit) not permitted, the money itself must not be used by the bank in any interest-based or non-Shariah approved activity.

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Offshore Banking with HSBC

Posted by on Oct 18, 2011 in CURRENT ACCOUNTS | 0 comments

Offshore banking with HSBC Bank International

Who we are

Based in Jersey, Channel Islands, we provide offshore banking and investment services for customers in over 200 countries and territories.

Why bank with us?

Offshore banking

Easy international access to multicurrency accounts and investments. And a secure home for your money outside your country of residence.

Offshore bank accounts

Open an account

  • Sterling, US Dollars, Euro and 14 other currencies
  • International money transfers
  • No account opening fee

Manage your money wherever you are, with an offshore bank account.
All these accounts offer:

  • 24 hour internet and phone banking
  • International money transfers
  • A choice of currencies
  • Interest paid gross of tax*
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Fool Compare credit cards

Posted by on Oct 18, 2011 in CREDIT CARDS | 0 comments

From 0% deals to low standard APR, we cover the whole market

We’ve got everything you need to compare a wide range of credit cards, from 0% balance transfer cards to 0% purchases and rewards. You can use our search tool to find the exact credit card you’re looking for, or you can pick a winner from our best buy 0% credit cards.

Compare our top credit cards by category

 

American Express Platinum Cashback American Express Platinum Cashback
2.5% cashback in the first 3 months up to £100. 1.25% after that, with no limit on how much you can earn, plus annual one month bonus rate of 2.5% Representative Example: If you borrow £1,200 at a rate of 14% p.a. (variable) with a £25 annual fee, you will pay 18.5% APR Representative (variable).
Apply now
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MBNA Card

Posted by on Oct 18, 2011 in CREDIT CARDS | 0 comments

Whether you’re a new customer and wish to sign up to Online Card Services for the first time or an existing customer who needs to activate your card, accessing your information is simple and easy with MBNA’s Online Card Services. You can access your MBNA account 24 hours a day, 7 days a week and the service is fast, safe and secure–providing you with the peace of mind that your account is well protected.

Why use Online Card Services?

  • Transfer balances from other credit cards or store cards
  • Transfer money from your credit card to your current account
  • View your PIN
  • Activate your card
  • Request a credit limit increase
  • Go paperless and view your statement
  • Pay your credit card account online.

Compare Credit Cards
Founded in the US in 1982, MBNA rapidly became the world’s largest credit card lender. We began to issue credit cards as MBNA in the UK in 1993, establishing our headquarters in Chester. We are a world leader in affinity credit card marketing, with co-branded credit cards and related products endorsed by thousands of diverse organisations in the UK such as Virgin Money, Amazon, WWF, the UK’s leading football and rugby clubs.

Our huge range of credit cards include everything from balance transfer credit cards with 0% balance transfer introductory deals to purchase credit cards—ideal for spending on the high street or online. Our rewards credit cards offer great returns on your card purchases where the more you spend the more you earn. We also offer charity credit cards to support your favourite charity, football credit cards for some of the UK’s leading clubs and are sponsors of the Aviva Rugby Premiership with our own range of rugby credit cards.

Great benefits & service come as standard…

  • Paperless Statements—this account is set up with paperless statements. To access your statements you will need to register for Online Card Services.
  • Free Online Card Services—check your balance, transactions, set up direct debits, view your statements and more.
  • Fraud protection—you will not be liable for fraudulent transactions online or on the high street, providing you tell us as soon as you notice any unusual transactions.
  • Free 24 hour UK based customer service helpline— wherever you are worldwide, our customer satisfaction representatives are just a phone call away.

a From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 90 days of account opening.
b From the date your account is opened. If you have two or more promotional offers at the same rate, we will use your payments to reduce any promotional balance with the lowest standard rate last, even if this offer ends first. This could mean that any such balance may not have been reduced by the time the standard rate applies to it.
c Full details of the reward programme will be sent to you once your account is opened.
dFrom the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 60 days of account opening.
e From the date your account is opened. A handling fee applies to balance transfers and money transfers.
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions
† We treat each customer’s application individually. We review the information you supply and verify your credit and repayment history so the APR we offer you may be higher or lower than the APR shown in the representative example. At least 51% of customers will receive this representative APR.

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Tesco Clubcard Credit Card

Posted by on Oct 18, 2011 in CREDIT CARDS | 0 comments

Get even more when you shop with the Tesco Clubcard Credit Card.

  • 0% on all purchases for 15 months
    from the day you open your account.
  • 0% on balance transfers for 9 months
    (2.9% fee) from account opening.
    You can transfer up to 95% of your credit limit.

Apply Online

 

Clubcard points on all your spending

  • Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world (more info).
  • Plus, your card doubles as a Clubcard. So when you use your Clubcard Credit Card to pay at Tesco, not only will you get 1 point for every £4 you spend, you will also collect standard points from Clubcard!
  • Fill up on points at Tesco. Use a Clubcard Credit Card to pay for your fuel at Tesco Petrol Filling Stations¹ for an even better points deal. You’ll collect 1 point for every £1 you spend – that’s twice what you’d get with a standard Clubcard – plus 1 EXTRA point for every £4 you spend.

Excludes Esso Fuel. The Clubcard scheme is administered by Tesco Stores. Tesco Stores are responsible for fulfilling points.

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Tesco Fixed Rate Saver

Posted by on Oct 18, 2011 in SAVING ACCOUNTS | 0 comments

  • Great rates – choose a 1 year term at up to 3.40% Gross/AER a 2 year term at up to 3.60% Gross/AER or up to 3.65% Gross/AER for a 3 year term
  • Choose how your interest is paid – monthly or annually
  • Simple to open online

Our Fixed Rate Saver might be right for you if you’re looking for a great rate and can lock your money away for 1, 2 or 3 years.

Once you put your money in you can’t close your account early or get your money out until the end of the term.

These rates are limited and may be withdrawn at any time.

Apply online now – it’s fast, easy to do and you can deposit money straight away using a debit card.

1 Year Fixed

Up to 3.40% Gross/AER

2 Year Fixed

Up to 3.60% Gross/AER

3 Year Fixed

Up to 3.65% Gross/AER

What’s in it for me? The key benefits…

  • Great rates of interest, guaranteed during the term of the account
  • Choose how long you want to save for with 1, 2 or 3 year fixed terms available
  • Deposit money as soon as your account is open
  • Have your interest paid into a separate bank account, either monthly or annually
  • View your account online with our secure Online Banking service – tell me more about this

It is important that you choose the right savings product for your needs – with a Fixed Rate Saver account you will benefit from a higher rate but there are no withdrawals permitted so you won’t be able to access it until the end of your chosen term.

If you’d prefer to be able to access your money at any time then we have two other accounts that might be right for you – Instant Access Savings Account and Internet Saver.

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IngDirect Saving Accounts

Posted by on Oct 18, 2011 in SAVING ACCOUNTS | 0 comments

Easy access to your money

  • *New customers can enjoy a rate of 3.00% AER (2.96% gross p.a.) variable including a 2.46% gross p.a. bonus fixed for 12 months. This rate applies from the business day following account opening on balances up to £250,000 plus resulting interest. Otherwise standard variable rate applies, currently 0.5% AER (0.5% gross p.a.). After 12 months the rate will revert to the standard variable rate
  • No charges for withdrawing your money
  • Start saving from £1, with no minimum or maximum monthly deposits
  • Save up to a total balance of £1 million in your ING Direct Savings Accounts

Great service

  • Open an account in as little as 10 minutes
  • Award winning UK call centres
  • Simple & straightforward account opening process

Safe and secure

  • Join over 23 million ING Direct customers worldwide
  • Someone new joins us every 20 seconds
  • Our website is safe and secure
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First Save 6 Month Fixed Rate Bond

Posted by on Oct 18, 2011 in SAVING ACCOUNTS | 0 comments

6 Month Fixed Rate Bond Issue 1
Date added: 19/08/2011

General

Gross Interest Rate 3.02%
AER 3.02%

Opening

Method of opening account Internet
Minimum age of account holder 18
Minimum deposit £1,000
Maximum deposit £2,000,000
Contact details for opening 0845 601 2211
Got to FirstSave Website
FirstSave, P.O. Box 1195, Newcastle Upon Tyne, NE99 1DE

Ongoing

Frequency interest paid Maturity or monthly
Interest fixed until 6 months
Details of any bonus rates N/A
Minimum ongoing balance £1,000
Compound interest or paid into separate account Both

Closing/Accessing funds

Withdrawals allowed No
How withdrawals are made N/A
Early access penalties N/A
Notice required N/A
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FirstSave 1 Year Bond

Posted by on Oct 18, 2011 in SAVING ACCOUNTS | 0 comments

Notice Accounts – Base Rate Linked

As the name suggests, our Notice Accounts – Base Rate Linked are linked to the Bank of England’s base rate – the interest rate at which the Bank of England lends to financial institutions – and guarantee that your account will pay a percentage above the base rate until further notice.

30 Day Notice Account – Base Rate Linked
Our 30 Day Notice Account – Base Rate Linked guarantees to pay 1.50% above the Bank of England base rate until further notice.

90 Day Notice Account — Base Rate Linked
Our 90 Day Notice Account – Base Rate Linked guarantees to pay 2.00% above the Bank of England base rate until further notice.

These Notice Accounts – Base Rate Linked are ideal for savers who do not require immediate access to their money but wish to receive a higher guaranteed rate of interest. To see our current interest rates, please refer to the adjacent table.

With a small minimum balance, FirstSave Notice Accounts – Base Rate Linked help you save by providing a fixed notice period before you can withdraw your savings.

For both new and existing customers to FirstSave, our Notice Accounts – Base Rate Linked give you the opportunity to earn that bit extra.

Minimum investment of £100 to get your interest paid annually.

Minimum investment of £5,000 to get your interest paid monthly.

If you think this is the savings account for you, you can Apply now, and follow the easy online instructions.

Easy Access

With this variable rate account, you have immediate access to your savings. To open one, you need only a small initial deposit and then your money starts earning very attractive rates of interest. To see our current rates, click here.

As well as offering competitive market rates, the FirstSave Easy Access Account is simple and convenient for you to operate online. You can deposit and withdraw funds at any time, in the comfort of your own home.

Whether you’re an existing customer or new to FirstSave, our Easy Access Account can be a sound investment.

  • Minimum investment of £100 to get your interest paid annually
  • Minimum investment of £5,000 to get your interest paid monthly

If you think this account is for you, click on ‘Apply now’ above, then follow the easy steps.

Easy Access interest rate guarantee

The gross Annual Equivalent Rate of Interest (AER) paid on balances of £100 or more is guaranteed not to be lower than the Bank of England Base Rate until 1st January 2012.

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Virgin Prepaid Travel Money Card

Posted by on Oct 18, 2011 in PREPAID-CARD | 0 comments

  • No application fee
  • Accepted in most countries around the world
  • Free emergency card
  • Available in Euros or US Dollars
  • Safer than carrying cash
  • More convenient than travellers cheques
  • No commission fee
Card for Dollar or Euro
The Virgin Prepaid Travel Money Card is issued by MBNA Europe Bank Limited.  Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251.  MBNA is authorised and regulated in the UK by the Financial Services Authority to issue e-money (Firm Reference Number: 204487).  Any phone calls made may be monitored or recorded.
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Kalixa Prepaid MasterCard

Posted by on Oct 18, 2011 in PREPAID-CARD | 0 comments

What is Kalixa ?

Shop in-store, online & over the phone
Look for the MasterCard acceptance mark

 

It’s Chip & PIN enabled
Reduces fraud and keeps your money safe

Withdraw cash
From over 1.2 million ATMs worldwide

 

Manage your day-to-day finances
It’s Pay As You Go – spend what you load

 

Ideal for business expenses
Keep all your expenses together

 

Perfect when travelling abroad
No more cash or travellers’ cheques

 

How to get it ?

 

Register for a Kalixa eAccount – it’ll only take about 5 minutes.
Load some funds into your Kalixa eAccount.
Select your Kalixa Card PIN by clicking the link in the email we’ll send you.
Finally, we’ll post your Kalixa Card to you and also send you a card activation code. When prompted, enter the code into the website and your card will be ready to use.

It’s quick and easy to get your Kalixa Card. Click the button below to get yours now.

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Escape Prepaid Card

Posted by on Oct 18, 2011 in PREPAID-CARD | 0 comments

Escape Prepaid MasterCard

The Escape Prepaid MasterCard® is a great card to manage your general spending. It’s FREE to use online or in store and FREE to share money abroad. You can move money instantly, for free and as often as you like.

 

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. The Escape MasterCard Prepaid Card is issued by Newcastle Building Society (“NBS”) pursuant to licence by MasterCard International Inc. NBS is authorised and regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058). *Fees apply.

 

What is escape?

Escape is a prepaid MasterCard® card from Phones4u. It can be used in over 32 million locations worldwide, online and in-store – wherever you see the MasterCard Acceptance Mark.

The Escape Prepaid MasterCard is not a credit card, so you only spend the amount that you load on to the card. The Escape Card is perfectly designed for those who share money abroad* regularly and those who need a secure way to manage their wages or benefits. The Escape prepaid MasterCard is also an excellent way of budgeting personal or business expenses.

*International money transfer is not available to India.

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E-Platinum Card

Posted by on Oct 18, 2011 in PREPAID-CARD | 0 comments

 

Guaranteed approval for the E-Platinum Plus Store Card – £1000 shopping credit line with 0% interest! Apply now »

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Investments

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Investing is proving increasingly popular especially as no-one can earn much on their savings with interest rates so low.

Choosing the right investment can be difficult.  And you need to be careful about the risks you’re taking especially if you’re saving for an important situation like school or university fees.

Where do I start?

We have simple, helpful guides to walk you through a range of investment choices so that you can avoid unpleasant surprises.  The best place to start is with a tax-efficient Isa.

This year you can put a maximum of £10,680 into a stocks and shares Isa or split it by putting up to half (£5,340) into a cash Isa.

We also explain how the risk pyramid works – the higher you go, the more risk you take.

It starts with ultra-safe savings accounts and National Savings & Investments, goes through corporate bonds and funds to more adventurous investments in company shares on the stock market and hedge funds.

There are literally thousands of options available to you.   A specialised, qualified adviser can help you come to a decision.  You can contact an advisor for free investment advice by filling out the form below.

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National Savings and Investments

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

NS&I (National Savings and Investments) is one of the largest savings organisations in the UK, with over 26 million customers and more than £100 billion invested. We are best known for Premium Bonds, but also offer a range of other savings and investments to suit different people’s needs, including our Direct Saver and Children’s Bonus Bonds. All products offer 100% security, because NS&I is backed by HM Treasury.

NS&I is an Executive Agency of the Chancellor of the Exchequer.

As an ongoing measure of our customer service, we had, since 1997, held Charter Mark accreditation – an independent award for service quality within the public sector. In 2009, Charter Mark was replaced by a new Customer Service Excellence Standard, which we achieved at the first assessment. We were successfully re-accredited in 2010. Our UK Contact Centres have also achieved accreditation and awards from the Customer Contact Association, for demonstrating high levels of service.

In January 2009, NS&I retained ISO14001 accreditation, first achieved in 2007 and a firm indicator of our commitment to delivering a sustainable business. NS&I has also achieved IIP (Investor in People) accreditation for the 10th year running.

In the Moneywise Customer Service Awards 2011, NS&I won the award of Most trusted Cash ISA provider.

 

Why save with us

Who we are

In 1861, the Palmerston government set up the Post Office Savings Bank – a simple savings scheme aiming to encourage ordinary wage earners to “provide for themselves against adversity and ill health”. We separated from the Post Office in 1969, becoming National Savings. In 1996, we became an Executive Agency of the Chancellor of the Exchequer. NS&I (National Savings and Investments) is now one of the largest savings organisations in the UK, with over 26 million customers and almost £100 billion invested.

A range of 100% secure investments

We offer a range of savings and investments to suit different people at different stages of their life. All the money you save or invest with NS&I will be 100% secure, as we are backed by HM Treasury – there is no overall limit on how much is guaranteed. You can see the full range on this website or call us if you have any questions or want our brochures. Our UK customer service team is here to help you every day from 7am till midnight.

Definitions

Tax-free means that interest is exempt from UK Income Tax and Capital Gains Tax.

AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross is the taxable rate of interest without the deduction of UK Income Tax.

Net is the rate of interest payable after the deduction of UK Income Tax at the rate specified by law (currently 20%).

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Investment Guide

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

InvestmentGuide.co.uk is aimed at expert and beginner alike. It includes an informative guide and advice on financial planning with emphasis on keeping your tax bill down plus unbiased information on over 100 different types of savings and investments.

See what readers have said about:

Can I just say that this web site has to be the most informative that I have found so far concerning finance. Well done. The format is brilliant and the follow up information accurate. It beats wading through articles and books to find the specific information I want. Thanks. C.D. UK

I’ve enjoyed reading some of the investment information and have found it very useful. The articles on personal taxation are of obvious interest and the advice on the available tax free saving schemes is invaluable. J.H. UK

©1996 to 2011. All information is copyright of Wisebuy Publications. Pages may be downloaded for personal use only. Any downloading for business or institutional use may be liable to a royalty. All quotations must cite the source as www.InvestmentGuide.co.uk.

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Money Advise Savings investments

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Savings & investments

Whether you’re saving for the short term or investing for the long term we explain what’s available and what you need to think about when deciding which to choose.

New to investing?

All investments carry risks, but putting your money in a range of different investments can help reduce the loss should one or more of them fall in value.

 

Investments

This section explains about different types of investment, how they work, and some things you should think about before buying them.

When investing, you take risks to increase your chance of getting higher returns on your money, especially over the longer term (usually ten years or more). This section will explain some of the most common types of investments, how they work and what you need to think about before choosing one or more. Most investments are available to those over 18, but always check with the provider before you buy, as some may be specific to certain age groups.

What are investments?

There are different types of investment. Each has its own level of risk but, basically, you take a risk with your money by investing in assets that could rise or fall in value. There is generally no guarantee you will make money or even that you will get back the same amount you invested in the first place. Investments are different from savings – they are typically designed for the longer term and involve different types of risk.

Before investing, it’s usually a good idea to have sorted out your debts, made sure you’ve looked at protecting yourself against unforeseen events (see Insurance), built up some savings and arranged your pension (see Pensions – your pension is also an investment).

And, once you start investing, it’s highly advisable to spread your risk – see Diversification.

How you’re protected

By law, most financial services firms must be regulated by the Financial Services Authority (FSA), the UK’s financial services regulator, before they can do business in the UK. The FSA holds a Register of all authorised firms currently doing business in the UK as well as those authorised in another European Economic Area (EEA) state. Always check that the firm you’re dealing with is on the FSA Register, see Using the FSA Register. This means that you will be able to use the complaints and compensation procedures if something goes wrong.

Other sources of information

Many organisations provide general information about investments. See Related links for links to their websites.

  • ‘Introducing investment’ – a booklet from the Investment Management Association (IMA).
  • Investment factsheets and brochures – factsheets covering different aspects of investing in unit trusts and open-ended investment companies (OEICs) from the Investment Management Association (IMA).
  • An online guide to investment companies – from the Association of Investment Companies.
  • Private investor area – online information at the London Stock Exchange.
  • ‘About share dealing’ – online information from the Association of Private Client and Investment Managers (APCIMS).
  • Information on starting and running an investment club – from Proshare.

Or you may wish to seek professional advice from a financial adviser, fund or investment manager or stockbroker – see Related links.

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UKTI investment in UK

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

“Tech City is key to Britain’s high-tech future. UKTI is committed to bringing innovative investment to East London, and to every part of the UK.”

 

Why the UK?

The UK provides an unrivalled and highly cost effective environment for global companies to thrive.

It is a recognised leader in the fields of creativity and innovation, and is the sixth largest economy in the world, with a GDP of US $2,174 billion. The World Bank report ‘Doing Business 2011’ states that the UK is the best place to do business in the EU and the G8, and the UK topped the Ernst & Young European Attractiveness Survey 2011 as the most attractive destination for FDI.

Setting up in the UK

The UK is the easiest place to set up and run a business in Europe (World Bank: ‘Doing Business 2011). It ranks first in Europe and fourth in the world for ease of doing business.

“We chose London specifically because of its excellent infrastructure, the ease of setting up and operating a business, the access to highly skilled staff and the ability to find partner companies”

Ravi Kumar, Zanec

UK Tax and regulatory environment

The UK is an internationally competitive location for tax. Advantages include one of the lowest main corporate tax rates in the EU, generous tax allowances and competitive personal rates, the most extensive network of double taxation treaties in the world and low social welfare contributions.

The UK is joint first with the USA in the world for Product Market Regulation (PMR). It has the least barriers to entrepreneurship in the world and has the third fewest barriers to trade and investment in the world.

Springboard UK

The UK is the number one gateway to Europe, giving easy access to the 27 member states of the European Union, the world’s largest single market. It offers world-class transport links – with Heathrow’s new Terminal 5 , and more expansion planned for international airports, sea containers and the rail network.

“London is an energy capital, an unequalled business and financial centre, and a global transportation hub”

Ma Weihua, President, China Merchant Bank

UK labour market

The UK’s labour market is one of the worlds’ most flexible. This factor combined with its strong skills base in the UK is reflected in its excellent record of attracting major foreign investors from all over the world.

Innovation, research and creativity in the UK

The UK is one of the world’s leading locations for commercial and academic R&D and creative industries such as film and TV production and computer gaming. With world-class universities and research institutes involved in undertaking leading-edge R&D in all business sectors, many leading companies have already made considerable investments in R&D activities across the UK.

Quality of life in the UK

UK residents enjoy a high standard of living, education and recreation. Publicly funded health care is free to all and there is a rich cultural heritage and abundance of leisure facilities.

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Virgin Money Personal Pension

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Why choose a Virgin Personal Pension:

  • Easy to understand, easy to set up
  • Straightforward investing, with a proven approach to stock market growth
  • Stop, start, increase or decrease your payments whenever you want to
  • Keep track of your pension 24/7 online, or by phone
  • It’s a stakeholder pension, so it comes with low charges and guaranteed standards

Remember, investments can go down as well as up and there is no guarantee you will get back all you invest.

 

Pensions explained

A great way to save for your retirement

A personal pension is simply a way of saving money for your future retirement.

Pensions have one very important advantage – they’re incentivised by the taxman. In fact, the taxman is very generous when it comes to personal pensions, adding to your pension every time you pay money in.

Every £80 you pay in is topped up to £100, giving your savings an immediate boost of 25%. And higher rate taxpayers can get even more.

How the taxman gives the money you pay in a 25% boost

Please remember, tax benefits depend on individual circumstances and may change in the future and the earliest you can currently take your pension is your 55th birthday.

Investments can go down as well as up and there is no guarantee you will get back all you invest.

Who can invest in a personal pension?

You can get a personal pension whether you’re employed, self-employed or out of work as long as you are:

  • 16 or over
  • A UK resident
  • Happy to leave your money invested until you’re 55 or older

If you want to retire on more than the state pension but don’t have a company pension at work, a personal pension could be a great option.

Taking your pension benefits

Firstly you can’t get your hands on your pension until you’re at least 55 years old, which is good because it gives you time to build up a bigger pension, without the temptation to dip into your savings.

When you take your benefits you can normally choose to take up to a quarter of your benefits as a tax-free cash sum.

You’ll need to use the rest of the money you’ve saved in your pension to provide you with an income in retirement, such as an annuity. An annuity is an investment that guarantees to pay you a regular income for the rest of your life, no matter how long you live.

Please remember, the amount of income provided by your pension will depend on a number of factors, including investment returns and annuity rates when you retire.

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E-PLATINUM CARD

Posted by on Sep 27, 2011 in CREDIT CARDS, MONEY, Offers 1 | 0 comments

E Platinum Plus Review

The E Platinum Plus card is not a credit card or a debit card, it is a shopping card. E-Credit Plus is not a Visa card or MasterCard credit card but a membership shopping card the membership cost is £79.95 to get with a monthly fee of £12.95. You can have up to £5000 credit on your shopping card with 0% Arp, Where you can pay your balance off at any time without getting any penalties.

Why get a E Platinum Card?

The minimum age for the card is 18 years old. Once you have applied it take 7 – 10 days for your card to arrive once you have paid the application fee. Once you have your E Platinum card you can then use your shopping card up to the credit limit given to you, where there is no transaction charges each time you use the card as it is a fixed cost.

Is a credit check done to get the card?

E Platinum Plus offer guaranteed approval where they will not access your personal credit report as part of the activation process in establishing an initial credit Account. However, the Company reserves the right to access My personal credit report.

What is the minimum repayments?

On your statement you they will advise you what the minimum payment is to be paid each billing month. All payments must be received on or before the due date indicated on the billing statement or a late fee may be charged. This is Calculated by finding the greater of (a) or (b): a) 15% of the Account balance owed on your Account, or b), £12.50

What are the advantages of being an E-Platinum Plus Cardholder?

The E Platinum Plus Card is part of E-Credit Plus program which is designed to give members the opportunity to enjoy the benefits of online purchasing. As an E-Credit Plus Cardholder you have purchasing power from the convenience of your home. The E Platinum Plus Shopping Club offers a wide variety of brand name merchandise. with 0% interest policy makes buying over time easy and affordable. E Platinum Plus are continuously working to provide the best possible value for E Platinum Plus Shopping Card Membership. Members regularly receive special offers on high quality items at great values. In addition, you may be invited to participate in low-cost, high value programs designed for our members.

If you would like to make a complaint about E Platinum Plus, contact Customer Services by email on memberservices @ecreditplus.co.uk. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

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LLOYDS TSB CREDIT CARD

Posted by on Sep 27, 2011 in CREDIT CARDS, MONEY, Offers 1 | 0 comments

LLOYDS TSB Credit Cards.

A Lloyds TSB Credit Card is a simple, flexible way to spread your everyday spending and can be paid off quickly. And it’s convenient – you can use it to buy goods and services in shops, by telephone and securely on the Internet.

Important information

All Products

1. The issue of a credit card depends on an assessment of your circumstances. You must be 18 or over and a UK resident to apply.

2. Balance transfer fee applies and interest is charged on this fee.

Advance MasterCard® Card and Platinum MasterCard® Card

3. After promotional period purchases will be charged at your standard rate.

 

Airmiles Duo Credit Cards

4. Collect 1 mile for almost every* £10 spent on the Lloyds TSB Airmiles Duo American Express Card®, giving you accelerated earnings. Your Lloyds TSB Airmiles Duo MasterCard® Card is accepted in 29.9 million places world wide and you will collect 1 mile for almost every* £50 spent.

 

Airmiles Duo Premier Credit Cards

5. Collect 1.25 miles for almost every* £10 spent on the Lloyds TSB Airmiles Duo American Express Card®, giving you accelerated earnings. Your Lloyds TSB Airmiles Duo MasterCard® Card is accepted in 29.9 million places world wide and you will collect 1.25 miles for almost every* £50 spent.

 

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