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Tracker mortgage holders benefit from lowest monthly payment in lifetime, while savers lose out
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As Lloyds and HSBC opt to pass on yesterday's interest rate cut in full, will other lenders, and savings providers, follow suit?
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Scheme to give customers breathing space discussed along with other pressing issues
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Find out what yesterday's interest rate cut will mean to your mortgage
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Some charity Christmas cards give just 4p to good causes for every £1 spent. But Miles Brignall finds one where every penny goes towards a deserving project -
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Finance guides
Tools and calculators
| Lender | Initial rate | Scheme type | Overall cost for comparison (APR %) |
|
|---|---|---|---|---|
| C&G | 4.84% | Fixed until 29/02/16 | 5.1 | More |
| C&G | 4.99% | Fixed until 28/02/14 | 5.2 | More |
| HSBC | 4.64% | 1.64% above Base for Term | 4.8 | More |
See more mortgage offers | Get a personal quote
Data provided by London & Country Mortgages Ltd
Tools and calculators
| Name | Balance transfer rate |
Balance transfer period |
Typical APR |
|
|---|---|---|---|---|
| Virgin Credit Card | 0% | 16 mths | 16.6% | More |
| Capital One Low Rate Balance Transfer | 5.5% | Until 01/01/2011 | 15.9% | More |
| Capital One Low Rate Platinum | 6.5% | Until 01/01/2011 | 15.9% | More |
See more credit card offers | Compare over 300 credit cards
Data provided by Moneysupermarket.com
Tools and calculators
| Provider | Min loan | Max loan | Typical APR | |
|---|---|---|---|---|
| Halifax Personal Loan (Semi-exclusive) | £7000 | £13000 | 8.6% | More |
| Bank of Scotland Personal Loan (Semi-exclusive) | £7000 | £13000 | 8.6% | More |
| Alliance & Leicester Personal Loan | £7500 | £15000 | 8.7% | More |
See more loan offers | Compare over 500 loan providers
Data provided by Moneysupermarket.com
Tools and calculators
| Provider | Account | Interest | Min balance | Overdraft rate | Overdraft buffer | |
|---|---|---|---|---|---|---|
| ALLIANCE & LEICESTER PLC | Premier Direct Current Account | 8.5% | £1 | 0.00% | n/a | More |
| ABBEY | The Abbey Account (Preferred In-credit Rate) | 6% | £1 | 19.90% | n/a | More |
| LLOYDS TSB BANK PLC | Classic Plus Current Account | 3% | £1 | 18.90% | n/a | More |
See more current account offers | Compare rates on current accounts
Data provided by Moneysupermarket.com
Tools and calculators
| Provider | Account | AER | Notice period | Minimum investment | |
|---|---|---|---|---|---|
| ICICI BANK | HiSAVE Savings Account | 5.50% | Instant | £1 | More |
| PRINCIPALITY BS | e-SAVER | 5.35% | Instant | £1 | More |
| ANGLO IRISH BANK | Easy Access Account Issue 2 | 5.25% | Instant | £1 | More |
See more savings account offers | Compare rates on savings accounts
Data provided by Moneysupermarket.com
Ask the experts
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Mortgage expert: Virginia Wallis
-
We bought our house as a 50/50 split with my parents. My mother has since died and my father wants to transfer his portion to us. How do we do this?
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Work expert: Vicky Frost
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I have been with my company for three years but am not remunerated as well as colleagues at a similar level. What can I do about this?
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Consumer expert: Anna Tims
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Phone company delivers a bad line in service to a bereaved customer
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Expert advice
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Our four experts cover the key subjects of mortgages and homebuying, legal affairs, consumer rights and work. Send them your email today
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