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Remortgagers looking to fix rates
Posted: 03/06/2009

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Car insurance customers have less money
Posted: 02/06/2009

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Rise in mortgage lending continuing, figures show
Posted: 02/06/2009

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The £60 Billion Loan Write-Off
It’s Budget Day on April 22nd and Chancellor Alistair Darling’s date with destiny is expected to include some good news for people with loans. The bad news is that the people with loans who are going to be celebrating are bankers – and the even worse news is that the Chancellor is expected to say up to £60 billion of the cash loaned in bailouts to the banks is going to be written off.

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The Kids Are Alright
Savings rates have gone through the floor. A year ago those with cash to stash could command rates of six per cent or more in some accounts. Today however it’s a very different story. The average instant access account now pays just 0.79%.

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Bigger Is Better
If you were studying at the G20 school of finance last week then the obvious lesson was that bigger is better.

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Credit Cards

Credit Card Typical APR % Balance Transfer
Rate
Balance Transfer
Duration
Balance Transfer
Fee
 
Virgin Money - Virgin Credit Card
Virgin Money - Virgin Credit Card
16.60 %APR
Typical (Variable)
0.00 % 16 Months 2.98 % Apply
Offers 0% on balance transfers for 16 months and 0% on card purchases for 3 months. The card also provides numerous offers and discounts.
Barclaycard - Barclaycard Platinum With Balance Transfer
Barclaycard - Barclaycard Platinum With Balance Transfer
12.40 %APR
Typical (Variable)
0.00 % 13 Months 2.50 % Apply
0% on Balance Transfers until August 2010 with a 2.5% Balance Transfer Fee.
MBNA Europe - Platinum Rewards Card
MBNA Europe - Platinum Rewards Card
15.90 %APR
Typical (Variable)
0.00 % 13 Months 2.90 % Apply
0% p.a. for 13 months on balance transfers made in the first 90 days (2.9% handling fee applies), 0% p.a. on card purchases for 3 months from the date your account is opened, 15.9% APR Typical rate (variable) & Rewards! What more could you ask for?

Loans

Lender Typical
APR %
Loan Amount Total Amount
Payable
Number of Monthly
Instalments
Monthly
Repayment
 
7.9 % APR
Typical
£10,000 £12,137 60 £202 Apply
There is an early repayment fee of 1 Months Interest and no arrangement fee
8.1 % APR
Typical
£10,000 £12,195 60 £203 Apply
There is an early repayment fee of 1 Months Interest and no arrangement fee
8.1 % APR
Typical
£10,000 £12,195 60 £203 Apply
There is an early repayment fee of 58 Days Interest and no arrangement fee

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME.

Mortgages

Lender Initial Rate Until Subsequent Rate Overall Cost
for Comparison
4.89 % Term 3.50 % 4.00 % Apply
4.89 % Term 4.84 % 5.10 % Apply
4.99 % Term 3.50 % 4.10 % Apply

These products are not MoneyExpert recommendations. Always confirm the product details with the provider or an adviser.

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Clinton Manning

"No nonsense, no jargon, no fear. Just caustic comment and simple advice. A broadsheet brain with a tabloid tongue."

Clinton Manning
Business Editor, Daily Mirror

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"I juggle writing about finances with family life. Like most busy people I understand that it is easy to let money matters slide to the bottom of the 'to do' list."

Emma Simon
Deputy Personal Finance Editor, Telegraph Media Group

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"You don't need to be a rocket scientist to understand money matters, but financial jargon can make it feel that way. My aim is to produce articles which are always clear, concise, and above all, in plain English."

Melanie Wright
Money Editor, Sunday Mirror

Charles Batchelor

"Managing your personal finances is vital for peace of mind but is regarded by many people as a chore. My articles are intended to provide a painless way into the subject."

Charles Batchelor
Former Deputy Personal Finance Editor, Financial Times

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