Capital One Aspire World

Sounds earning money while shopping too good to be true? With Aspire World by Capital One your dream can become a reality. Every time you go shopping you can earn up to 5% cashback.

Read the following article and see how much cash back you could earn!

Characteristics

• 5% cashback for first 3 months (max £ 100)
• Up to 1.25 % cashback thereafter
• Manage your account online
• No annual fee
• Purchase protection insurance

Please note that cash withdrawals charge of 3.0% (minimum £3) applies. Therefore you should use your cashback card for shopping only.

Conditions

In order to apply for the Capital One Aspire World cashback card you will need to comply with several criteria:

• Be a UK resident
• Be 21 years old or over
• Be a homeowner *
• Have an income of £ 20,000 + a year

* If you are not a homeowner it does not mean that your application will be automatically rejected.

See how much cashback you could earn

When your application for Aspire World cashback card is successful you will earn 5% cashback on all purchases up to a maximum total cashback of £100. After the first three months period you will earn 0.5 % cashback on your purchases up to £5,999.99, 1% for purchases up to £9,999.99, increasing to 1.25% on all aggregate purchases from £10,000.

A guide to critical illness insurance

Unfortunately, many people can find themselves in a situation where their health no longer allows them to work. This is when having some kind of critical illness insurance cover will be essential. Here is a brief guide to the types of plan available and their average cost.

Types of Plan

At present there are plans that cover one specific illness or disease such as heart attacks and there are those known as critical illness plans, which can cover a whole number of diseases. While for the most part these plans will focus on the `big three`, that is, heart disease, cancer and strokes, most cover around 18 different, known medical conditions.

The exact plan you opt for here may depend on factors such as family history. For example, if there is a history of cancer in your family, opting for a plan which is specific to this illness may be the better option.

However, there are a number of other factors to take into account as far as plan type is concerned. For one, you will have the choice of opting for either an indemnity plan or one that involves a lump sum. Essentially an indemnity plan will pay out in relation to the treatment that is being received, while the latter will pay out a lump sum upon the original diagnosis.

Full article available at http://portal-loans.co.uk

HSBC Premier Personal Loan

Are you in a financially difficult situation and need money quickly? In today’s article we will describe a solution offered by HSBC. Get exclusive HSBC Premier Personal Loan and enjoy all the benefits.

Please note that HSBC Premier Personal Loans are available exclusively to HSBC Premier current account holders.

Characteristics:

• Borrow between £7,000 and £25,000
• Representative 6.1 % APR
• Fast application processing
• Professional approach and guidance
• Flexibility

However, please note that the representative APR may not be the rate you will be offered as that is subjected to the assessment of your personal financial circumstances.

Repayment holidays

One of the advantages of Premier Personal Loan is the option to apply for repayment holidays. You can either take a repayment holiday for the first three months or every January for the life of your loan. Nevertheless, you will have to pay more on interest as these will be charged even when you take a repayment holiday. Thus you will be paying more money on interests overall.

Make overpayments

You can also make overpayments without any additional charge which may help you to pay back your loan earlier and thus reduce the amount of interest you pay.

You can read the full article at http://portal-loans.co.uk

Halifax Clarity Credit Card

Halifax Clarity Credit Card

Are you planning your holidays for this summer? Then you should not forget to pack a fee-free credit card along with your bikini and sun lotion. Discover benefits of Clarity Credit Card.

Halifax introduces brand new credit card with great benefits.

Characteristics:

• 12.9% APR representative variable
• No usage fees
• No foreign exchange fee
• No fee to transfer a balance
• No cash withdrawal fee
• No fee to use it anywhere worldwide
• No annual fee

While the bank will not charge you a cash advance fee for the Clarity Card, some independent cash machine providers may charge a fee for their service.

Other benefits:

• The bank will not charge you on purchases if every statement balance is paid in full by the payment date (otherwise you will be charged £ 12 fee)
• Manage your card online
• Accepted everywhere you see the MasterCard sign
• Card replacement if lost
• Cover against online fraud when purchasing on the Internet

Read more at http://portal-loans.co.uk

ING Fixed Rate Mortgage

Do you need money for your home reconstruction or purchase of a new flat or house? These days only a couple of people are able to finance all the housing costs themselves. The rest can make use of the benefits of ING Fixed Rate Mortgage.

Fixed rate mortgages are especially suitable for all those who want to plan their budget carefully. With Fixed rate mortgage the repayments will stay the same during the whole life of your loan.

Moreover, if you are remortgaging then ING offers no fees to pay for the property valuation or the standard conveyancing process (you must use ING specialist conveyancers).

Characteristics:

• Loan amounts between £50,000 and £2,000,000
• Loan terms between 2 and 5 years
• LTV from 60 % to 80%
• Flexibility
• Professional advice and guidance

Please note that early repayment charge applies and varies depending on the length of your mortgage. For 2 year fixed rate mortgage the early repayment charge is 2.7% in the first 12 months, then 1.8% until 31/07/2014. For 5 year fixed rate mortgage the early repayment charge is 4.1% in the first 36 months, then 1.6% until 31/07/2017.

LTV = Loan to value expresses the amount of a first mortgage lien as a percentage of the total appraised value of real property. Typically, assessments with high LTV are generally seen as higher risk and therefore the mortgage is usually more expensive.

You should also keep in mind that your home may be repossessed if you do not keep up repayments on your mortgage!

Mortgage Calculator

In order to find out how much money you can afford to borrow there is the online useful mortgage calculator. There are several types of mortgage calculators thanks to which you can find out how much you can borrow, how much you can afford, your monthly payments or you can learn how to make flexible payments.


Read more at http://portal-loans.co.uk

Barclays Car Loan

Has your car just broken down and you do not have enough money for its repair or purchase of a new one? Exactly for this purpose there is the Barclays Car Loan which will help you to finance car related issues.

Please note that the Barclays Car Loan is available only for current Barclays bank account holders.

Characteristics

• Loan amounts between £5,000 and £25,000
• 8,9% APR representative
• Personal and professional approach
• Flexibility
• For Barclays current account holders

Moreover, if you find a cheaper loan Barclays will not only match it but they will also give you £50 bonus. You need to claim the better offer within 30 days after your Barclay loan has been approved. You will be paid the difference each month, plus you will get one off payment of £50.

Representative example

Loan amount: £ 10,000
Loan term: 60 months
Interest rate: 8.920 % pa (fixed)
APR: 8, 9% representative
Monthly repayment: £ 207.20
Total amount payable: £ 12, 4320.00

Budget Planner

In order to find out how much money you can afford to borrow and pay back each month, you can use the useful online Budget planner. This tool will help you to calculate your monthly budget. All you need to do is to answer a couple of simple questions and on its basis the budget planner will show you the amount of money you can borrow.

Read the full article at http://portal-loans.co.uk/barclays-car-loan/

Nationwide Flexible Mortgage

Would you like to take out a mortgage? Are you afraid that your situation might change and then you could get into problems with repaying? In that case Nationwide Flexible Mortgage could be the ideal solution for you!

As the name itself suggests, this type of mortgage is completely flexible and thus when your circumstances change, your mortgage can be adapted as well. Moreover, it offers reduced upfront costs and many other great features. With Nationwide Flexible Mortgage you are one step closer to your dream home!

Characteristics:

• Competitive 5 year tracker
• No early repayment charges
• Make unlimited overpayments or underpayments
• Free legal and valuation fees
• Free standard valuation report

What is more, if you already are an existing Nationwide customer then you will get £300 cashback! Another great feature is that the mortgage offers a range of features that will help you to manage the mortgage your way.

Please note that the Flexible Mortgage is exclusively for FlexAccount customers!

Mortgage calculators and Guides

In order to make sure that you can afford to pay for your mortgage, the bank has prepared a whole range of mortgage calculators. You can try the online Borrowing calculator, Mortgage payment calculator or for example the Cost of moving calculator.

Thanks to these calculators it should be much easier for you to decide how much money you can afford to borrow and see the overall costs of your mortgage.

Moreover, you can also read through various guides which will help you not only with the whole application procedure but also it will provide you with useful information and advice. However, if you still have any questions or issues you would like to discuss then you can always arrange an appointment in your local branch where they will be happy to help you.

Read full article at http://portal-loans.co.uk/nationwide-flexible-mortgage/