High Interest Saving Account - UK

It is now finished the time when the best Interest Rate was always under the Bank of England Base rate. Many high street banks are now offering high interest rate on saving accounts. It is quite common to see financial institutions offering 0.25% above the UK base rate on the first year. But wait, there is even better with Alliance & Leicester offering an amazing 12.00% gross each year/AER with a linked Premier Regular Saver if you pay in your main income to your Premier Current Account (at least £500 a month).

See our saving account comparison table

Get a Cheap UK Mortgage

True. Getting a mortgage in the UK is not as easy as it used to be. Banks are now looking more carefully before lending some money. Self certification mortgage is getting extremely more difficult to get, but not impossible.

New products are starting to emerge and it worth having a look at it: "Houseshare" Mortgage where friends join forces to get onto the property ladder.

Some UK mortgage which were "under used" are now product to be considered: Offset mortgage or Buy Abroad Mortgage for instance. Although Nationwide is not offering offset mortgages, they are offering some excellent mortgage deals for first time buyers: 3 year tracker rate at only 5.74% !!! Barclays is also offering some very attractive mortgage deal if you decide to buy a property abroad like France, Spain, Italy, Portugal Dubai, or South Africa.

Compare mortgages by clicking here

Car Insurance deal: best quote, benefit & incentive

Motor Insurer are all competing hard to get your custom. And who knows best how to grab your business than Tesco. Did I just write that ? Well, yes. I know that Tesco does not come to most people's mind when it comes to motor insurance, but yet they are achieving some amazing results in terms of customer satisfacion with their insurance products. Here is why:

• FREE MOT
• Multicar discount
• Up to 50% discount for named drivers
• 15 Point Car Safety Check included
• 15% off a full car service
• 10% off on all mechanical repairs
• 1 Clubcard Point for every £2 you pay on your Tesco Car Insurance Premium.

Kwik-Fit is also offering some very good incentives on car insurance:

• 10% discount at Kwik-Fit Autocentres
• Guaranteed courtesy car
• Full glass cover
• Hire car if your car is stolen
• £150 Personal belongings cover
• Save £100 on a Sat Nav
• 24/7 accident action line

See our Car Insurance Comparison Table

Travel Money. Best Currency Rate & Travel Insurance

We all know that they all know. The banks and all the travel businesses know that travellers are all laid back when it comes to money. We spend, we spend, and what the problem if it cost more than usual...we are on holidays. Well...it does not have to be that way, and a savvy travellers should be aware of the following products:

The prepaid currency Mastercard

The prepaid Euro or US$ Currency card from Mastercard is an excellent way to keep control of your spendings while on holidays. The prepaid € or USD card is not only offering a very attractive exchange rate, but it also work like a regular prepaid top up card. You load it and you spend. For more information on prepaid credit card, check our prepaid card comparison table.

Travel Insurance

Like most insurances, it is totally impossible to recommend you one particular travel insurance as everything depends on your circumstances.

• Are you travelling alone ?
• Are you travelling with kids ?
• Are you expecting to practice some extreme sports
• Are you visiting a country at war ?
• Are you travelling to the West Indies during the hurricane season
• Do you want to be covered for the loss of your luggages ?

And the list of questions can go on for ever. There is no doubt that a travel insurance is HIGHLY RECOMMENDED, but you should ask yourself what you need it for first !

Visit our Travel Insurance Comparison table and make up your mind

Switch Utility Supplier for cheaper Gas & Electricity

According to MoneySupermarket.com, energy prices are set to increase by a further 20% in the coming weeks following EDF's move to increase bills late last week. This is the second round of price hikes this year and now means UK consumers could be faced with massive energy bills of £1,300 a year!!! That's a £400 increase since the start of 2008. In order to protect your bills, consumers are encouraged to apply for a "fixed" tariff. These products may have limited availability and so act quick to avoid disappointment.

The table below shows the products currently available from each of the BIG 6 UK energy providers.

Alternatively, for those looking for the cheapest possible deal and who are willing to take a risk against further increases, "online" products are offering average annual bills of £880. However, consumers must be aware that these products are variable and therefore at risk to price increases.

Compare Electricity suppliers - Compare Gas suppliers - Compare Energy providers

The Buzz....	What is Social Lending ?
Social Lending is a smarter, fairer and more human way of doing money. It's like borrowing and lending with your friends and family - except there are thousands of people you can lend and borrow with. Both lenders and borrowers get better rates, because Social Lending is more efficient than the traditional banking model. Banks have massive overheads, with thousands of employees to pay and hundreds of branches to maintain. So they have to take large margins on the money that passes through them. An online marketplace where people meet to lend and borrow has huge cost advantages – which is why Zopa members get a fairer deal when it comes to their money. Zopa was the world's first lending and borrowing marketplace. By demonstrating that Social Lending works on a large scale, Zopa has changed the financial sector for good. In Zopa's wake, copycats – such as Prosper in the US, Smava in Germany and Boober in the Netherlands – have sprung up across the world. Social Lending is a financial category of genuine and increasing importance. Check our page dedicated to Zopa Social Lending
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