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06/10/2011
Average mortgage rates fall in the high LTV market
The average two year fixed 90% loan-to-value LTV mortgage rate has fallen to its lowest point since January 2008.
29/09/2011
Falling rates fail to deter savers
Latest figures from Moneyfacts.co.uk show that demand for fixed rate bonds has soared in the last few months.
28/09/2011
Moneyfacts response to ABI annuity initiative for customers
Richard Eagling, Editor of Investment Life & Pensions Moneyfacts:
23/09/2011
Investment Life & Pensions Moneyfacts announces 2011 award winners
The winners of the 2011 Investment Life & Pensions Moneyfacts Awards were announced today at the Marriott Hotel, Grosvenor Square, London.
22/09/2011
Moneyfacts Pick of the Week 22/09/2011
The Moneyfacts Pick of the Week showcases the best of the latest products to hit the consumer finance market.
21/09/2011
Mortgage choice at a 43 month high
The number of mortgages available to prime residential borrowers has hit 3,035, the highest level since February 2008.
17/08/2011
Mortgage fees rise 17% in a year
The average mortgage arrangement fee has increased by £151 over the last year – a rise of 17%.
16/08/2011
Inflation headache returns for savers
Inflation figures released today show the Consumer Prices Index (CPI) rose during July from 4.2 per cent to 4.4 per cent.
10/08/2011
Fixed mortgage rates continue to fall
For the first time since Moneyfacts started recording rates in 1988 the average five-year fixed mortgage rate has fallen below 5%, today standing at 4.99%
10/08/2011
Average 5 year fixed rate bond falls to 2 year low
Average savings rates for long-term fixed rate bonds have fallen significantly over recent months. The current average five-year fixed rate is 3.74%, its lowest average for two years.
27/06/2011
Mortgage rates hit all time low
Average fixed and tracker mortgage rates have fallen to their lowest level since Moneyfacts started recording rates in 1988.
14/06/2011
Savers’ nightmare continues
Inflation figures released today show the Consumer Prices Index (CPI) remained at 4.50% during May.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 5.63% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 7.50%.
08/06/2011
Hope returns to first-time buyer market
The number of mortgage products available to first-time buyers has almost trebled since June 2009. There are currently 183 mortgage deals designed for those taking their first steps onto the property ladder, compared to just 62 in June 2009.
24/05/2011
Pension incomes climb to 2½ year high
New research by Investment Life & Pensions Moneyfacts has revealed that average retirement incomes have increased steadily since the start of 2011 and now stand at a 2½ year high.
23/05/2011
Loan rates at decade high
The average personal loan rate has hit its highest level for more than a decade.
Today the average rate on a £5,000 loan stands at 12.7%, the highest level since May 2000
17/05/2011
Savers struggle worsens
Inflation figures released today show the Consumer Prices Index (CPI) increased during April from 4.00% to 4.50%.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 5.63% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 7.50%.
12/05/2011
Buy-to-let bounces back
The number of buy-to-let mortgages has risen to the highest level since October 2008.
There are currently 463 buy-to-let mortgages available, compared to 312 six months ago and 299 in May 2010.
09/05/2011
Average 90% mortgage rate falls below 6.00%
The average rate for would be mortgage borrowers with just a 10% deposit has fallen below 6.00% for the first time since March 2008.
Today the average rate for a two year fixed mortgage at 90% LTV stands at 5.98%, 0.40% lower than a year ago.
05/05/2011
Credit card rates soar
Since the start of the year rates on 18 credit cards have increased compared to just four in the same period in 2010.
12/04/2011
Desperate times for savers
Inflation figures released today show the Consumer Prices Index (CPI) decreased during March from 4.4% to 4.00%.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 5.00% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 6.67%.
04/04/2011
Bond rates at 13 month high
High demand for savers’ money and expectations of a rise in bank base rate in the near future has pushed short term fixed bond rates to their highest level in more than a year.
22/03/2011
Savers never worse off than now
Inflation figures released today show the Consumer Prices Index (CPI) increased during February from 4.00% to 4.4%.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 5.5% pa, while a higher rate taxpayer at 40% needs to find an account paying at least 7.3%.
21/03/2011
Fixed ISAs lead the way
High demand for savers’ money has led to a sharp rise in the number of fixed rate ISAs.
In the last two years alone the number of fixed rate ISAs has more than doubled from 56 in March 2009, to 139 today.
15/03/2011
Don’t let your old ISA mislead you
More and more headline grabbing ISAs are being launched, with many attractive introductory bonuses to draw you in – which is excellent news but only for this season.
Not one ISA with an introductory bonus extends the bonus rate past the initial first year.
10/03/2011
Two years at 0.50%
Bank base rate has now been at an all time low of 0.50% for two years.
09/03/2011
Make the most of your money this ISA season
The 2011/12 ISA season has gathered pace, with a surge of new tax-free accounts launched by providers over recent weeks
07/03/2011
Tracker rates fall to all time low
The average rate on a two year tracker mortgage has fallen to 3.40%, its lowest level since Moneyfacts started monitoring rates in 1988.
21/02/2011
Biggest isn’t always best !
The UK’s largest lenders* have a three quarter market share, but only provide 145 (29%) of the top 500 mortgages.**
16/02/2011
Higher LTV mortgages returning to the market
The mortgage market has seen a gradual increase in the number of products offering higher loan-to-values (LTVs), providing some relief to borrowers with limited deposits.
15/02/2011
Savings pain gets tougher
Inflation figures released today show the Consumer Price Index (CPI) increased during January from 3.7% to 4.00%.
To beat inflation, a basic rate tax payer at 20% needs to find a savings account paying 5.00% pa, while a higher rate tax payer at 40% needs to find an account paying at least 6.67%.
02/02/2011
Mortgages: See but don’t touch
Two years ago the number of prime residential mortgage products fell to an all time low of 1,097. Today, the number of mortgages available has more than doubled to 2,447.
01/02/2011
Unlucky for some - average credit card rate hits 13 year high
Increased competition in the credit card market at the end of the 1990s meant rates started to fall, dropping to their lowest level in 2006.
18/01/2011
Further misery for savers as inflation hits 3.7%
Inflation figures released today show the Consumer Price Index increased by 0.4% to 3.7% during December.
12/01/2011
Annuity rates down 2.7% in 2010 despite late rally
The record number of individuals turning 65 this year are likely to face a major challenge when they come to secure their retirement income after research from Investment Life & Pensions Moneyfacts revealed that annuity rates fell for the third consecutive year in 2010.
01/01/2011
Longest ever 0% balance transfer deal launched
Barclaycard has increased the length of its 0% balance transfer deal to 17 months, making it the longest 0% balance transfer deal ever offered.
Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
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We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances. Our typical fee would be £349