Best buys performance tables
What Investment, Feb, 2007
Figures correct as at 05.01.07
Unsecured Personal Loan Selection
Monthly payment
Lender Contact APR
1,000 [pounds sterling]--over one year
Northern Rock 0845 330 7130 5.8% a
Eskimo Loans www.eskimoloans.co.uk 9.9%
Coventry BS 0845 766 5522 13.9%
Intelligent Finance www.if.com 13.7% a
Morgan Stanley 0800 107 0403 10.9%
Goldfish 0800 107 0406 10.9%
Abbey www.abbey.com 7.9% a
Nationwide BS 0800 302010 14.4% D
AA www.theAA.com 14.8% a,D
Sainsbury's Bank 0800 169 8502 19.9% a
5,000 [pounds sterling]--over three years
Northern Rock 0845 330 7130 5.8%a
Eskimo Loans www.eskimoloans.co.uk 6.3%
Asda 0800 024 1242 5.9% a
Leeds BS 0845 345 0279 6.9% a
Coventry BS 8457665522 8.9%
Moneyback Bank www.mbloan.co.uk 5.8% a D
Masterloan 0800 056 6223 5.7%a
Tesco Personal Fin 0845 600 6016 7.9%
Nationwide BS 0800 302010 7.8% D
Direct Line 0845 309 0777 6.4%D
10,000 [pounds sterling]--over five years
Leeds BS 0845 345 0279 6.9% a
Masterloan 0800 056 6223 5.7% a
Tesco Personal Fin 0845 600 6016 6.7%
Coventry BS 0845 766 5522 7.8%
Moneyback Bank www.mbloan.co.uk 5.8% a,D
Alliance & Leicester 0870 555 5555 5.9% a
Asda 0800 024 1242 5.9% a
Nationwide BS 0800 302010 6.7% D
Morgan Stanley 0800 107 0403 7.9%
Goldfish 0800 107 0406 7.9%
Monthly payment
Lender w/insur
1,000 [pounds sterling]--over one year
Northern Rock 91.12 [pounds sterling]
Eskimo Loans 93.01 [pounds sterling]
Coventry BS 93.52 [pounds sterling]
Intelligent Finance 95.62 [pounds sterling]
Morgan Stanley 95.74 [pounds sterling]
Goldfish 95.74 [pounds sterling]
Abbey 95.94 [pounds sterling]
Nationwide BS 96.93 [pounds sterling]
AA 96.99 [pounds sterling]
Sainsbury's Bank 97.34 [pounds sterling]
5,000 [pounds sterling]--over three years
Northern Rock 169.01 [pounds sterling]
Eskimo Loans 170.31 [pounds sterling]
Asda 171.89 [pounds sterling]
Leeds BS 172.12 [pounds sterling]
Coventry BS 172.13 [pounds sterling]
Moneyback Bank 172.48 [pounds sterling]
Masterloan 173.03 [pounds sterling]
Tesco Personal Fin 173.84 [pounds sterling]
Nationwide BS 174.63 [pounds sterling]
Direct Line 175.97 [pounds sterling]
10,000 [pounds sterling]--over five years
Leeds BS 220.14 [pounds sterling]
Masterloan 226.72 [pounds sterling]
Tesco Personal Fin 227.19 [pounds sterling]
Coventry BS 229.74 [pounds sterling]
Moneyback Bank 231.27 [pounds sterling]
Alliance & Leicester 231.93 [pounds sterling]
Asda 233.09 [pounds sterling]
Nationwide BS 233.70 [pounds sterling]
Morgan Stanley 242.04 [pounds sterling]
Goldfish 242.04 [pounds sterling]
Monthly payment
Lender n/insur
1,000 [pounds sterling]--over one year
Northern Rock 85.91 [pounds sterling]
Eskimo Loans 87.69 [pounds sterling]
Coventry BS 89.37 [pounds sterling]
Intelligent Finance 90.26 [pounds sterling]
Morgan Stanley 88.09 [pounds sterling]
Goldfish 88.10 [pounds sterling]
Abbey 86.82 [pounds sterling]
Nationwide BS 89.57 [pounds sterling]
AA 91.85 [pounds sterling]
Sainsbury's Bank 91.84 [pounds sterling]
5,000 [pounds sterling]--over three years
Northern Rock 151.32 [pounds sterling]
Eskimo Loans 152.49 [pounds sterling]
Asda 153.00 [pounds sterling]
Leeds BS 153.68 [pounds sterling]
Coventry BS 157.95 [pounds sterling]
Moneyback Bank 151.41 [pounds sterling]
Masterloan 151.10 [pounds sterling]
Tesco Personal Fin 155.88 [pounds sterling]
Nationwide BS 155.61 [pounds sterling]
Direct Line 152.69 [pounds sterling]
10,000 [pounds sterling]--over five years
Leeds BS 196.56 [pounds sterling]
Masterloan 191.26 [pounds sterling]
Tesco Personal Fin 195.50 [pounds sterling]
Coventry BS 200.71 [pounds sterling]
Moneyback Bank 191.89 [pounds sterling]
Alliance & Leicester 192.33 [pounds sterling]
Asda 194.00 [pounds sterling]
Nationwide BS 195.67 [pounds sterling]
Morgan Stanley 200.98 [pounds sterling]
Goldfish 200.99 [pounds sterling]
a = APR dependent on credit rating. D = Incentives available.
Source: money
Credit Card Selection
Contact APR
Introductory Rates-Purchases
GE Money 0808 208 1140 0.0% E
M&S Money 0845 900 0900 0.0%
Sky SkyCard.com 0.0% E
Sainsbury's Bank 0800 032 1365 0.0% E
Halifax/BoS 0800 587 0833 0.0% E
Nationwide BS 0800 302010 0.0%
Intelligent Finance 0800 917 6082 0.0% E
Tesco Personal Fin tescofinance.com 0.0%
Lloyds TSB lloydstsb.com/advance 0.0%
Yorkshire BS 0800 028 0183 0.0%
Standard Rates--Purchases
Intelligent Fin 0800 917 6082 8.9% E
Halifax/BoS 0800 587 0833 9.9% E
Co-op Bank 0800 117711 9.9%
Abbey 0800 731 7774 10.9%
Yorkshire BS 0800 028 0183 11.0%
Lloyds TSB lloydstsb.com/advance 11.9%
GE Money 080 8208 1140 12.9% E
Tesco Personal Fin 0845 300 4277 12.9%
Sainsbury's Bank 0800 032 1365 13.9%
Barclaycard barclaycard.co.uk 14.9% E
Introductory Rates--Balance Transfers
HSBC 0800 130130 0.0% E,m
Virgin Money 0800 056 5667 0.0% m
GE Money 0808 208 1140 0.0% E,m
Barclaycard barclaycard.co.uk 0.0% E,m
Abbey 0800 731 7774 0.0% m
Cheshire BS 0800 028 2440 0.0% m
Sky SkyCard.com 0.0% E,m
Halifax/BoS 0800 587 0833 0.0% E,m
Morgan Stanley 0800 917 0008 0.0% m
Alliance & Leicester allianceleicester.co.uk 0.0% m
Introductory
Card Type period
Introductory Rates-Purchases
GE Money Transformation M'Cd 1st 12 mths
M&S Money &More MasterCard 1st 12 mths
Sky SkyCard MasterCard 01.01.08
Sainsbury's Bank MasterCard 1st 10 mths
Halifax/BoS One MasterCard 1st 9 mths
Nationwide BS Classic Visa 1st 9 mths
Intelligent Finance Life of Balance Visa 1st 8 mths
Tesco Personal Fin Online Bonus M'Card/Visa 01.08.07
Lloyds TSB Advance MasterCard 1st 6mths
Yorkshire BS Classic Visa 1st 6 mths
Standard Rates--Purchases
Intelligent Fin Flat Rate Visa 59 days
Halifax/BoS One MasterCard 59 days
Co-op Bank Clear Visa 59 days
Abbey Flat Rate MastCard/Visa 56 days
Yorkshire BS Base Rate Visa 59 days
Lloyds TSB Advance MasterCard 0 days
GE Money Transform. MastCard 56 days
Tesco Personal Fin Bonus MasterCard/Visa 56 days
Sainsbury's Bank Advantage MastCard 56 days
Barclaycard Flexi-Rate Visa 56 days
Introductory Rates--Balance Transfers
HSBC Bank MasterCard 02.04.08
Virgin Money MasterCard 1st 13 mths
GE Money Transformation M'Cd 1st 12 mths
Barclaycard Flexi-Rate Visa 1st 12 mths
Abbey Bal Trf M'Card/Visa 1st 12 mths
Cheshire BS MasterCard 1st 12 mths
Sky SkyCard MasterCard 01.01.08
Halifax/BoS One MasterCard 1st 9 mths
Morgan Stanley Buy& Fly! M'Card 1st 9 mths
Alliance & Leicester Online M'Card/Visa 1st 9 mths
E = Alternative terms may be offered according to credit status
and application method. m = Fees apply for balance transfers.
Buy-to-let Mortgages
Lender Phone Rate Period LTV
Portman BS 0845 454 5900 3.99% F to 31.1.09 85%
Bradford & Bingley 0800 113333 4.89% 1.86% dis 85%
for 2 years
Northern Rock 0845 605 0500 4.89% 0.11% dis 80%
to 1.2.09
Giraffe Money 0845 113 2288 5.33% F to 31.1.12 85%
Northern Rock 0845 605 0500 5.39% for term 80%
Lender Fee
Portman BS 0.5% (min 595 [pounds sterling])
Bradford & Bingley 2% (min 599 [pounds sterling])
Northern Rock 1.5%
Giraffe Money 1.5%
Northern Rock 1.5%
Lender Notes/Redemption Period
Portman BS Any number of properties within
total advance of 5m [pounds sterling]. To 31.1.13
Bradford & Bingley Any number of properties within
total advance of 2m [pounds sterling].
1st 2 years
Northern Rock Maximum 10 properties within
total advance of 3m [pounds sterling]. To 1.2.09
Giraffe Money Max 15 properties within total advance
of 2.5m [pounds sterling]. Not FTB. To 31.1.12
Northern Rock Maximum 10 properties within
total advance of 3m [pounds sterling]. No penalty
ASU = Accident, sickness & unemployment insurance.
B C = Buildings & contents insurance. F = Fixed Rate.
U = Unemployment insurance. FTB = First Time Buyer HP = House
Purchase. MIP = Mortgage Indemnity Premium. Lenders standard
redemption conditions may also apply at any time. Incentive
of free or discounted legal fees may only be available through
lender's nominated solicitor. All products subject to change
without notice.
Tax Rates for 2006/07
INCOME TAX
Rates
Starting rate 10% 1-2,150 [pounds sterling]
Basic rate 22% 2,151-33,300 [pounds sterling]
Higher rate 40% 33,301 [pounds sterling]
Allowances
Personal under 65 5,035 [pounds sterling]
65-74 7,280 [pounds sterling] *
over 75 7,420 [pounds sterling] *
Married couples nil nil
(based on age of older 65-74 7,280 [pounds sterling] *
spouse in tax year) over 75 7,420 [pounds sterling] *
* Allowances are reduced when income exceeds 20,100 [pounds sterling]
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