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/