moneysupermarket.com All Expert Articles

Credit crunch boost for credit card market

Fri, 9 May 2008 00:01:00 GMT

The credit crunch has been a borrower's nightmare as lenders squeeze mortgage and loan rates to secure their finances. However, every cloud has a silver lining.

How to survive the oil spike

Thu, 8 May 2008 00:01:00 GMT

As the price of oil surges to new highs, a new report revealed that UK households are facing their lowest level of disposable income for 17 years. The Prime Minister is also alleged to have been warned by fellow Cabinet members that the family finances are at breaking point.

Missed opportunity by the Bank of England?

Fri, 9 May 2008 00:01:00 GMT

The decision by the Bank of England's Monetary Policy Committee (MPC) to keep Bank rate on hold at 5 per cent has been criticised by some economists who believe further rate reductions are inevitable and that the delay merely increases the risk of a full-blown economic slump.

Save a bundle on your broadband

Fri, 9 May 2008 00:01:00 GMT

You shouldn't put all your eggs into one basket - unless of course that basket saves you a lot of money.

Interest rates held at 5 per cent

Thu, 8 May 2008 00:01:00 GMT

The Bank of England's Monetary Policy Committee (MPC) voted to keep interest rates on hold at 5 per cent today.

Insurance for young drivers

Fri, 2 May 2008 00:01:00 GMT

Legally, you might be able to learn to drive when you reach the age of 17, but for many teenagers it may be financially prohibitive. Not only is there the cost of lessons and at least one driving test to factor in, but the price of insurance for young drivers can be astronomical.

Did the banks play fair following last month's rate cut?

Fri, 2 May 2008 00:01:00 GMT

Not all banks and building societies have yet responded to last month's quarter-point reduction in interest rates, but it's been a mixed bag among the institutions that have announced changes to their mortgage and savings rates.

Make the most of your travel money

Fri, 2 May 2008 00:01:00 GMT

Perhaps we've simply been spoilt by favourable exchange rates for too long, but for UK holidaymakers the prospect of travelling to the Continent has lost some of its gloss this year as the pound has hit a record low against the euro.

Need a loan? Read this first

Fri, 2 May 2008 00:01:00 GMT

Personal loans are harder to come by because of the credit crunch, yet an increasing number of people are needing to borrow to make ends meet each month.

Why the tooth hurts for the NHS

Thu, 24 Apr 2008 00:01:00 GMT

The NHS may be approaching its 60th anniversary but there are few celebratory smiles among its dental patients as frustration grows over rising costs and longer waiting times, with many choosing to turn their backs on the service altogether.

Savers reap the rewards of the credit crunch

Fri, 25 Apr 2008 00:01:00 GMT

When the Bank of England cuts interest rates borrowers rejoice and savers curse their luck - or at least that is what you expect to happen.

Should you spend your money on the iPhone?

Fri, 25 Apr 2008 00:01:00 GMT

Few technological gadgets have caused such fervour on their release as the vaunted Apple iPhone. Described as a 'revolutionary mobile phone' it appeared to take handsets into a new era. However, just six months after its UK launch its price has been slashed as rumours of a replacement emerge.

Beware the credit card crunch

Fri, 25 Apr 2008 00:01:00 GMT

If you thought the mortgage market was the only area of borrowing being hit by the credit crunch, then think again. Credit cards and loans are also harder to come by and this is bad news for those struggling to make ends meet each month.

Banks lose first round of overdraft charges court case

Thu, 24 Apr 2008 00:01:00 GMT

Consumers are one step closer to victory in the battle against bank charges. The High Court has ruled that the Office of Fair Trading (OFT) does have the power to decide whether or not the fees levied by banks and building societies when a customer exceeds their overdraft limit are fair.

Isa rules at a glance

Thu, 3 Apr 2008 00:01:00 GMT

New Isa rules take effect on April 6 2008.

How do motor insurers really compare?

Thu, 17 Apr 2008 00:01:00 GMT

Millions of motorists stick with the same insurer year after year despite the fact they could save money by switching provider.

The 'interest-free' credit cards that may charge you interest

Fri, 18 Apr 2008 00:01:00 GMT

Unwary customers are being caught out by interest-free credit card offers that could cost you dear if you don't use them correctly. We explain the catches...

Earn 12 per cent on your savings

Fri, 18 Apr 2008 00:01:00 GMT

Alliance & Leicester (A&L) is launching a regular savings account paying 12% on Monday as it strives to encourage people to switch current account.

Tips to survive the credit crunch

Fri, 18 Apr 2008 00:01:00 GMT

With the credit crunch and inflation continuing to bite, we show you 10 steps you can take to minimise the impact and relieve some of the pressure on your finances...

Moneysupermarket scoops top award

Tue, 22 Apr 2008 00:01:00 GMT

Moneysupermarket.com has received a leading industry award from Hitwise, an online monitoring service, for being the number one insurance website in 2007.

Lessons we can learn from Terminal Five foul-up

Fri, 4 Apr 2008 00:01:00 GMT

With outlets from Boots to Harrods and even a Gordon Ramsay restaurant, Heathrow's £4.3bn Terminal Five was supposed to put the glamour back into air travel. Instead, a breakdown of the baggage handling system left thousands of customers to choose between flying with just hand luggage, getting an alternative flight or claiming a refund.

Keep broadband costs in check

Fri, 11 Apr 2008 00:01:00 GMT

The popularity of broadband has grown massively in recent years - introduced only seven years ago, more than 50% of households in Britain now have a broadband connection. As providers fight for market share, prices have been driven down, but while upfront costs may be low, many consumers find they are paying far more than they expected because of the charges levied when something goes wrong.

The peculiar rate reduction

Fri, 11 Apr 2008 00:01:00 GMT

The Bank of England's Monetary Policy Committee has cut Bank rate from 5.25% to 5%. This is the third quarter-point reduction since December and many economists believe there could be more falls to come before the end of the year.

Are you starting to feel the crunch?

Fri, 11 Apr 2008 00:01:00 GMT

With the number of mortgage deals available declining at a rapid rate, energy prices increasing and a general rise in the cost of living there are worrying signs that a growing number of people are having to borrow in order to make ends meet each month.

How to protect yourself from energy mis-selling

Fri, 11 Apr 2008 00:01:00 GMT

An undercover investigation by The Sunday Times raised concerns that some consumers have been given inaccurate information by sales people trying to get them to switch energy provider. We look at the issue of mis-selling and what you should do if you believe you have been victim to it...

Interest rates fall again - February 2008

Thu, 7 Feb 2008 00:01:00 GMT

The Bank of England's Monetary Policy Committee has voted to cut interest rates by 0.25 percentage points, taking Bank rate to 5.25 per cent.

Interest rates fall again

Thu, 10 Apr 2008 00:01:00 GMT

The Bank of England's Monetary Policy Committee (MPC) has voted to cut interest rates by a quarter of one percent, taking Bank rate from 5.25% to 5%.

Why it's easier than ever to switch your mobile

Fri, 4 Apr 2008 00:01:00 GMT

Mobile phones have become an iconic symbol of the modern era - reflecting our busy lifestyles and our need to constantly be in touch with those around us.

A new tax year - a new chance to save

Fri, 4 Apr 2008 00:01:00 GMT

Happy new tax-year. April 6 marks the beginning of a new financial year.

The mortgage crisis deepens

Fri, 4 Apr 2008 00:01:00 GMT

Consumers looking for a mortgage are facing less choice and higher rates. The Bank of England has warned that the situation is likely to get worse before it gets better and that the squeeze on mortgages is likely to continue for the next few months at least.

What do the tax changes mean for you?

Thu, 3 Apr 2008 00:01:00 GMT

The new tax year starts on Sunday, and with it comes a raft of changes that will affect individuals. Some will be beneficial but others could leave you worse off.

Northern Rock slashes savings rates

Tue, 1 Apr 2008 00:01:00 GMT

Northern Rock has announced losses of £167.6m last year, and the implications of what lies ahead for the customers of the recently-nationalised bank is becoming clearer. Savers and borrowers will both be affected by a radical overhaul.

Is it time to think long-term with your mortgage?

Fri, 28 Mar 2008 00:01:00 GMT

Two-year mortgage deals are most popular with borrowers because the rates tend to be lower than those on longer-term products. However, the credit crunch and rising arrangement fees are taking their toll so could it be worth looking longer-term?

Don't miss out on your allowance

Fri, 28 Mar 2008 00:01:00 GMT

The race is on to capitalise on this year's Isa allowance before the tax year ends on April 5 with some banks even extending their opening hours to deal with last minute applications. So why are Isas such a great way to save and how do the best deals compare?

Prepare your finances for a recession

Fri, 28 Mar 2008 00:01:00 GMT

The Confederation of British Industry (CBI) has said we are facing a financial crisis on a scale not experienced in recent times and a growing number of economists warn that a full-blown recession could be on the cards. Consumers therefore need to position their finances so that they can weather the storm...

Is your energy provider treating you fairly?

Fri, 28 Mar 2008 00:01:00 GMT

Scottish & Southern Energy is the latest provider to hike its gas and electricity bills. With all of the big six now having announced price increases this year the picture is clear - it's loyal customers who are being hit the hardest...

Are prepaid cards the answer to our foreign spending woes?

Thu, 20 Mar 2008 00:01:00 GMT

Thousands of British holidaymakers have jetted off for an Easter break, and many will pour money down the drain on unnecessary foreign usage fees when they use their credit and debit cards abroad.

How to protect your savings

Wed, 19 Mar 2008 00:01:00 GMT

The near collapse of Bear Stearns, an 85-year-old investment bank that survived the Wall Street Crash of 1929, caused a wave of panic among investors around the world. More than £14billion was wiped off the value of Britain's main high street banks as share prices plunged last Monday amid fears that the financial crisis could claim further casualties.

What would happen to your family if you died?

Thu, 20 Mar 2008 00:01:00 GMT

Death is not something people like to think about, but if you have dependants it is not something you can afford to ignore.

Cut your outgoings by more than £1,000 a year

Thu, 20 Mar 2008 00:01:00 GMT

Household finances are under increasing pressure but many people could offset rising food, fuel and energy bills and slash their monthly outgoings significantly by spending a few hours going through their financial products and switching to a better deal.

Tax allowances for 2008-2009

Fri, 14 Mar 2008 00:01:00 GMT

In case you are wondering what your tax allowances will be for the next tax year, we have compiled some easy-to-read tables for you. These should provide all the information you need.

Majority of consumers fear for their finances

Fri, 14 Mar 2008 00:01:00 GMT

Money worries are no longer a taboo subject and the increasing strain of higher living and borrowing costs is taking its toll. But it is not just the heavily indebted who are concerned about making ends meet.

Market-leading broadband available only through moneysupermarket

Fri, 14 Mar 2008 00:01:00 GMT

Moneysupermarket.com is offering internet users the opportunity to take advantage of an exclusive broadband deal...

Homeowners face hefty clear-up costs after storm havoc

Thu, 13 Mar 2008 00:01:00 GMT

As homeowners recover from the storms that raged across the UK, many will be assuming that repairs for any damage will be covered by their home insurance.

Thank you Darling - for what?

Fri, 14 Mar 2008 00:01:00 GMT

Public reaction to Alistair Darling's first budget has been largely negative. We look at why consumers are feeling so let down...

The 2008 Budget at a glance

Wed, 12 Mar 2008 00:01:00 GMT

The Chancellor, Alistair Darling, has delivered his first budget speech. Is it good or bad news for consumers? We give you a run down of the main announcements...

Don't let your bank walk all over you

Fri, 7 Mar 2008 00:01:00 GMT

The total profits of the big five high street banks - Barclays, Halifax Bank of Scotland (HBOS), HSBC, Lloyds TSB and Royal Bank of Scotland (RBS) - rose again last year to a record 38.6billion pounds, despite the fact they were forced to write off billions of pounds in bad debts.

Beware the hidden costs of overseas spending

Fri, 7 Mar 2008 00:01:00 GMT

Millions of families will be heading abroad over Easter and many will make use of their debit and credit cards while they are away, unaware that the transactions they make could cost them a lot more than they are expecting.

The big energy rip-off

Fri, 7 Mar 2008 00:01:00 GMT

The majority of consumers believe they are paying too much for their gas and electricity and that recent price increases are totally unjustified, according to a poll on moneysupermarket.com.

Get covered and avoid a holiday hangover

Fri, 7 Mar 2008 00:01:00 GMT

Preparing for a holiday can be hectic at the best of times and it's easy to forget more than just your toothbrush. However, waiting until the last minute to book travel insurance can be an expensive mistake.

Interest rates stay at 5.25 per cent

Thu, 6 Mar 2008 00:01:00 GMT

The Bank of England's Monetary Policy Committee (MPC) has voted to keep interest rates on hold at 5.25%.

Consumers hit by squeeze on home loans

Fri, 29 Feb 2008 00:01:00 GMT

Thousands of homeowners could struggle to find a new mortgage as the credit crunch tightens its grip on the banking sector. However, there is no need to panic because there are still options available...

Don't miss out on tax-free savings

Fri, 29 Feb 2008 00:01:00 GMT

Millions of savers say they have no intention of using their Isa allowance. This is a valuable tax break that is well worth taking advantage of, but with only five weeks left of the current tax year, you need to act quickly...

Is this the end for landlines?

Fri, 29 Feb 2008 00:01:00 GMT

Home phones could soon become obsolete thanks to the emergence of mobile broadband packages that can put you online anywhere at any time. However, just how good are these deals and should we really be abandoning our fixed lines?

Put the brakes on rising car insurance premiums

Fri, 29 Feb 2008 00:01:00 GMT

As cars with the latest '08' registration plates hit the forecourts, motorists who have bought cars at this time in previous years could be in for an unwelcome shock in the form of a steep rise in insurance costs...

How to play your cards right - payment allocations explained

Fri, 22 Feb 2008 00:01:00 GMT

There are some great credit card deals available. However, unwary consumers are at risk of being caught out by the complicated repayment system most card providers use.

How you can avoid a payment shock

Fri, 22 Feb 2008 00:01:00 GMT

Homeowners could see a huge jump in monthly mortgage payments when their fixed rate deal ends...

Get on top of those Christmas debts

Fri, 22 Feb 2008 00:01:00 GMT

It appears as though the credit crunch and warnings of possible house price falls hasn't been enough to stop consumers spending.

Get on top of those Christmas debts

Fri, 22 Feb 2008 00:01:00 GMT

It appears as though the credit crunch and warnings of possible house price falls haven't been enough to stop consumers spending.

Savers enjoy the best rates for years

Fri, 22 Feb 2008 00:01:00 GMT

Falling interest rates are usually bad news for savers but this is not the case at the moment.

Pick up a free Nintendo DS or a free HDTV

Fri, 22 Feb 2008 00:01:00 GMT

Why talk when you can text?

Northern Rock to be nationalised

Tue, 19 Feb 2008 00:01:00 GMT

What does the nationalisation of Northern Rock mean for you?

So which tariff is the cheapest now?

Fri, 15 Feb 2008 00:01:00 GMT

Keeping pace with the utilities industry has been no easy task over the last six weeks as provider after provider has increased prices.

Homeowners told there'll be tough times ahead

Fri, 15 Feb 2008 00:01:00 GMT

The recent cuts in interest rates came as good news for millions of homeowners struggling to make ends meet.

How to beat the credit crunch

Fri, 15 Feb 2008 00:01:00 GMT

The credit crunch rumbles on but there are still plenty of options available to borrowers...

Does it pay to be loyal?

Fri, 15 Feb 2008 00:01:00 GMT

When it comes to insurance many of us are creatures of habit...

How to improve your credit score

Thu, 14 Feb 2008 00:01:00 GMT

Do you know what your credit score is? If you don't, then you are not alone...

Insurers put the brakes on young drivers

Fri, 1 Feb 2008 00:01:00 GMT

Several car insurance companies are refusing to offer quotes to 17-year-olds. How can they find cheap car insurance now?

Rate wars lift banking gloom

Fri, 8 Feb 2008 00:01:00 GMT

If you've not kept pace with the current account market recently, fear not - you've not missed out on much.

Borrowers warned not to bank on lower mortgage payments

Fri, 8 Feb 2008 00:01:00 GMT

The cut in interest rates should be good news for borrowers - but some will still lose out...

Egg just the first to crack in credit card clampdown

Fri, 8 Feb 2008 00:01:00 GMT

The actions of internet bank Egg may only be the first blow to consumers...

Price increase on the cards and merger rumoured

Fri, 1 Feb 2008 00:01:00 GMT

Just when you thought the news in the gas and electricity market couldn't get any worse...

Don't wait for downloads - grab the speed you need

Fri, 1 Feb 2008 00:01:00 GMT

Now you can find out if you're really getting the speed you've paid for...

Are you facing debt problems?

Fri, 1 Feb 2008 00:01:00 GMT

What if your debt problems are extensive? You still have options but you must be very careful about the choices you make...

Watchdog claims price rises are unjustified

Mon, 4 Feb 2008 00:01:00 GMT

Energywatch says the energy market is uncompetitive and price increases are unjustified.

Can you bank on the changing face of UK savings?

Fri, 1 Feb 2008 00:01:00 GMT

Big name high street providers have been surpassed on savings rates by foreign banks - but should we trust these less well-established names?

Don't pay the price for high standards

Mon, 28 Jan 2008 00:01:00 GMT

If you're happy with your current provider's service but not its pricing, can you enjoy the best of both worlds?

Fuel poverty soars in the face of price hikes

Wed, 30 Jan 2008 00:01:00 GMT

With energy prices on the rise and 'fuel poverty' now a reality, it's time to take control...

One provider that won't hike prices - for now

Wed, 23 Jan 2008 00:01:00 GMT

You can't have missed the news last weekend as British Gas finally announced a 15 percent price hike on its standard tariffs.

British Gas hikes prices - but still offers the cheapest deal

Fri, 25 Jan 2008 00:01:00 GMT

British Gas has hiked its prices by a whopping 15 per cent - yet it still offers the UK's cheapest deal...

Flood claims send premiums through the roof

Fri, 25 Jan 2008 00:01:00 GMT

Home insurance premiums have risen to their highest-ever levels but a new service could help you save cash...

Bring your mortgage costs under control

Fri, 25 Jan 2008 00:01:00 GMT

With so much confusion in the mortgage lending market, should you remortgage now or wait for a better rate?

Don't panic - debt help is available

Fri, 25 Jan 2008 00:01:00 GMT

If you feel you're in over your head then don't panic - there are solutions for every situation...

Cheaper car insurance than anywhere else

Fri, 18 Jan 2008 00:01:00 GMT

Swiftcover, the cheapest car insurer in the UK, is offering an exclusive deal to Rate Alert readers - you can earn £30 cashback as long as you apply through our price comparison tool. It's an offer you won't find anywhere else so grab it now...

Stick to your resolutions and save cash

Fri, 18 Jan 2008 00:01:00 GMT

Three weeks have passed since we welcomed in 2008, and for many those New Year resolutions are starting to look like old news. However, now you can use money to motivate you to keep the weight off and to stay away from booze and cigarettes...

The true cost of fixing a boiler

Mon, 21 Jan 2008 00:01:00 GMT

It's one of those 'worst-case' scenarios that few of us think about - but if your boiler breaks down during the winter months you'll suffer from more than a cold chill.

EDF Energy joins the price rise race - but have you?

Fri, 18 Jan 2008 00:01:00 GMT

If npower's price rises one week ago were a warning sign, then EDF Energy's price hikes should be seen as clear proof that you can't afford to wait around any longer.

As battle begins over bank fees, will customers lose the war?

Fri, 18 Jan 2008 00:01:00 GMT

The Office of Fair Trading has gone to the High Court with the banks to contest the scale of fees levied on those who slip into an unauthorised overdraft. However, it could be the consumers who pay if the banks are defeated...

Don't pay the price for late payments

Fri, 18 Jan 2008 00:01:00 GMT

Missing a monthly payment may seem like no big deal, but it can have a serious affect on your credit rating. Nearly 5.5million Brits missed payments last year - yet some simple steps can ensure you never put your credit rating at risk...

Battle back against hackers

Mon, 9 Apr 2007 00:01:00 GMT

Our research shows hackers could tap into 25% of domestic wireless connections using just a laptop. We show you how to do you fight back...

Ofcom targets broadband speeds

Mon, 22 Oct 2007 00:01:00 GMT

Long-term Rate Alert readers may remember that earlier this summer, moneysupermarket.com conducted a ground-breaking survey into broadband speeds - the largest of its kind in the UK - with more than 43,000 broadband users taking part.

Bring your broadband up to speed

Mon, 2 Jul 2007 00:01:00 GMT

Many of us are lured into broadband deals by the promise of super-fast internet access - however, a mere 21% of broadband users are receiving the download speeds they signed up for.

The talktalk of the town again

Sun, 29 Jul 2007 00:01:00 GMT

Sometimes an offer comes along that seems just too good to refuse - and that was certainly the case in April 2006, when TalkTalk launched its 'free broadband' offer.

Mobile roaming fees to fall by 70 percent

Mon, 4 Jun 2007 00:01:00 GMT

It seems that ET isn't the only one who likes to phone home...

Put your broadband to the speed test

Thu, 17 Jan 2008 00:01:00 GMT

Though internet speeds have come a long way since dial-up, they can still be frustrating as we sit and wait for music, movies or even just web-pages to download.

Price cuts for mobile calls from abroad

Mon, 4 Jun 2007 00:01:00 GMT

Millions of Brits who take their mobile phones away with them on holiday are finally to see the sky-high cost of their calls home fall this year, after the EU parliament acted to cut so-called 'roaming charges'.

Should you take a bite out of an Apple or a Blackberry?

Mon, 23 Jul 2007 00:01:00 GMT

For thousands of mobile phone customers in America who queued up last month to be among the first to sample the revolutionary Apple iPhone, technical problems and a heavy price tag might have left them with a sour taste.

The handset revolution is coming

Mon, 1 Oct 2007 00:01:00 GMT

According to its marketing campaign, Apple has 'reinvented the mobile phone' with the development of its much-hyped iPhone.

Take cover this Christmas

Mon, 10 Dec 2007 00:01:00 GMT

With Christmas now less than two weeks away, it's easy to get lost in thoughts of what Santa might bring.

Base rates fall at last!

Thu, 6 Dec 2007 00:01:00 GMT

The Bank of England has cut its base rate by 0.25%, pleasing millions of embattled mortgage borrowers.

Do cashback deals ring true?

Fri, 30 Nov 2007 00:01:00 GMT

As mobile phone retailers offering cashback deals go bust, we ask: are these contracts a con?

Virgin and rock deal in doubt?

Tue, 27 Nov 2007 00:01:00 GMT

The Virgin-Northern Rock takeover may be in doubt as a key investor says it will oppose the deal.

Consumer confidence falls

Mon, 26 Nov 2007 00:01:00 GMT

Rising oil and food prices plus increased mortgage payments have hit consumer confidence...

Don't be left out in the cold - cover up this winter

Tue, 15 Jan 2008 00:01:00 GMT

When a boiler breaks down in the winter frustration can turn to misery as you're left to struggle without hot water or central heating.

Cut your energy bills - no matter which tariff you choose

Tue, 15 Jan 2008 00:01:00 GMT

With npower increasing its standard tariffs last week and British Gas expected to follow suit within days, consumers are frantically searching for ways to cut their energy bills.

No such thing as a quick fix

Mon, 14 Jan 2008 00:01:00 GMT

With energy price hikes continuing for the foreseeable future, what should your next move be?

Online and on the move

Tue, 15 Jan 2008 00:01:00 GMT

It's amazing how technology moves on. From LPs, to cassettes, to CDs, to music downloads; from video recorders to DVD players; and does anyone remember when our internet access was restricted to a desktop PC and a phone line?

Don't talk (or text) yourself out of cash

Tue, 15 Jan 2008 00:01:00 GMT

It's easy to get carried away while you're chatting on the phone to a friend or family member, just like it's easy to forget how quickly those text messages add-up.

The base rate cut and you

Thu, 6 Dec 2007 00:01:00 GMT

What does the Bank of England's 0.25% base rate cut mean for mortgage borrowers and savers?

Should you pay up-front mortgage fees?

Wed, 28 Nov 2007 00:01:00 GMT

A friend of mine was offered a new mortgage the other day. The up-front fee was £1,499. Was it worth paying?

Cheque clearing speeds up

Wed, 28 Nov 2007 00:01:00 GMT

Faster cheque clearing means more interest for account holders.

Buy-to-let remains buoyant

Tue, 27 Nov 2007 00:01:00 GMT

The number of private tenants seeking property reaches a five-year high.

Green energy ratings

Tue, 27 Nov 2007 00:01:00 GMT

A new rating system aims to help consumers compare energy companies' green tariffs.

Gains tax u-turn likely

Tue, 27 Nov 2007 00:01:00 GMT

Chancellor's U-turn on tax changes for small businesses and employees likely.

Long term fixed mortgages for all?

Tue, 16 Oct 2007 00:01:00 GMT

Are fixed rate mortgages really the future? And how long should you secure your rate for?

Crackdown on mortgage brokers

Tue, 27 Nov 2007 00:01:00 GMT

The City's main watchdog is to crack down on mortgage brokers offering unaffordable loans.

Virgin for northern rock?

Mon, 26 Nov 2007 00:01:00 GMT

Northern Rock today announced that it has chosen the Virgin Group as its preferred buyer.

Mortgage lending slumps

Fri, 23 Nov 2007 00:01:00 GMT

Recent figures suggest mortgage lending has fallen by a third. Is the housing market really slowing down?

Better banking for all?

Mon, 26 Nov 2007 00:01:00 GMT

Banks and building societies are hailing new changes to their codes of practice. How might this affect you?

Current account overhaul

Tue, 2 Oct 2007 00:01:00 GMT

Banks are adjusting their overdraft rates ahead of a legal test case. How does it affect your cash?

The credit crunch and mortgages

Tue, 2 Oct 2007 00:01:00 GMT

For millions of mortgage borrowers, the past few weeks have been highly confusing.

Boost your credit rating

Mon, 15 Oct 2007 00:01:00 GMT

More than 20,000 people a day are apparently being turned down for personal loans following the crisis in the financial markets. Multiple rejections risk further harming credit ratings and making the problem for consumers worse - but there is a solution...

Protect yourself against data fraud

Fri, 23 Nov 2007 00:01:00 GMT

HM Revenue & Customs admits losing 25 million people's personal details. What can you do to stop ID fraud?

Protection for credit card users

Mon, 12 Nov 2007 00:01:00 GMT

A landmark legal judgement gives extra protection to shoppers who use their credit cards to make purchases from abroad either in person, by telephone or online. With Christmas approaching, this is excellent news for consumers...

Rise of the silver savers

Mon, 29 Oct 2007 00:01:00 GMT

This week marks the launch of the Alliance & Leicester Premier 50, a current account for the 50+ age group with a 7% interest rate. However, do age-related products, including over-50 savings and notice accounts, really offer a better deal? Or can you get more value for money elsewhere

Easy access savings - with a catch

Mon, 19 Nov 2007 00:01:00 GMT

There are two new market-leading rates available in the easy access savings account sector - but both carry penalties for withdrawals. So is the improved interest really worth your while, or should you do more than just chase the best rate?

Better news on mortgages

Mon, 12 Nov 2007 00:01:00 GMT

The number of orders for home repossessions has dropped over the last three months despite predictions to the contrary. In addition, the interest rate tide appears to be turning in favour of homeowners. Now is the time to take another look at the deals available to you...

Why we love to save tax free

Mon, 12 Nov 2007 00:01:00 GMT

If ever you needed proof that we love to keep our cash away from the taxman, then it arrived in figures from HM Revenue and Customs stating the money in tax-free ISAs has now reached 208bn pounds! So what are the advantages of ISAs and how can you join this savings revolution?

Pick up £150 guaranteed cashback before Christmas

Mon, 15 Oct 2007 00:01:00 GMT

Fancy giving yourself a £150 cash boost before Christmas? Or securing one of the hottest games consoles for free? All you have to do is pick up one of the leading mobile phone handsets around with unlimited texts per month! Surely this is an offer too good to refuse...

Put your home at the top of the priority list

Mon, 8 Oct 2007 00:01:00 GMT

With winter closing in, the idea of losing heating or hot water for a sustained period doesn't bear thinking about. However, one provider is now offering a repair service that guarantees a next-day response on one of the cheapest tariffs around...

Savings shake-up: what's next for your cash?

Mon, 8 Oct 2007 00:01:00 GMT

More protection for your savings, a base rate announcement and movement from some of the leading providers - it's been a busy week in the savings market. I'll show you how all of this affects your money, and what you should do next...

Start tracking to make mortgage savings

Mon, 5 Nov 2007 00:01:00 GMT

Homeowners' mortgage misery may finally be on the way out, if some predictions are to be believed. The Council of Mortgage Lenders the base rate will drop back to around 5% by the middle of next year. If true, you should consider re-mortgaging to a tracker deal to make some serious savings...

How to break free of mortgage debt

Mon, 29 Oct 2007 00:01:00 GMT

More homeowners are turning to credit cards to pay off their mortgage or rent - potentially leading to even greater debt-related problems. Meanwhile, there are reports that lenders are turning down increasing numbers of mortgage applicants. It seems like a bleak time for householders and buyers alike. But there are ways round the problem...

New credit card tops best buy tables

Mon, 8 Oct 2007 00:01:00 GMT

The credit card market continues to get more competitive - and now there is a new table-topping 0% balance transfer card at the head of the pack. This is arguably the best deal on the market - I'll show you where you can get it and who its right for...

Cheques clearing speeds up

Mon, 10 Dec 2007 00:01:00 GMT

Reforms into the cheque clearing cycle have finally been announced - and it is good news for customers.

House prices in sharp fall

Thu, 29 Nov 2007 00:01:00 GMT

UK house prices saw their biggest fall in 12 years during November, a survey says today.

Mobile cashbacks - time to act

Mon, 3 Dec 2007 00:01:00 GMT

How effective is the telecoms watchdog Ofcom at safeguarding consumers' interests?

Go easy on borrowers

Thu, 6 Dec 2007 00:01:00 GMT

A City watchdog wants lenders to help 1.4 million fixed rate borrowers whose deals are ending.

Lenders' interest rate plea

Tue, 4 Dec 2007 00:01:00 GMT

Mortgage lenders want the Bank of England to cut interest rates this week.

Beat id fraud at christmas

Mon, 3 Dec 2007 00:01:00 GMT

ID fraud has once again leapt to the forefront of consumers' minds after the 'lost discs' fiasco by HM Revenue & Customs.

Broadband is now mobile

Mon, 10 Dec 2007 00:01:00 GMT

Broadband has gone mobile with a unique laptop modem. It can be yours for Christmas - and put you online in five minutes.

Base rates and mortgages

Mon, 10 Dec 2007 00:01:00 GMT

So what does the Bank of England decision mean for savers and borrowers? And what should you be doing next?

Card splurge dangers

Tue, 11 Dec 2007 00:01:00 GMT

UK consumers have the potential to blow a staggering extra £176.9 billion on their credit cards.

Jekyll and Hyde savers

Tue, 11 Dec 2007 00:01:00 GMT

Two thirds of people owing money on credit cards, overdrafts or loans also have a savings account or an ISA.

No sloping off

Tue, 11 Dec 2007 00:01:00 GMT

Up to one in six visitors to ski resorts never set foot on the slopes, new research reveals.

Time to get back in the black

Fri, 11 Jan 2008 00:01:00 GMT

Overspent during the festive period? Tim Moss discusses the best way to pay off your debts...

£100 if you like them - £200 if you don't

Fri, 11 Jan 2008 00:01:00 GMT

The banks are battling for our business and first direct is earning headlines with its £100 incentive

Quicker mobile switching

Wed, 12 Dec 2007 00:01:00 GMT

A telecoms watchdog says mobile users must be able to re-use their existing numbers within two hours.

Energy giants keep schtum

Wed, 12 Dec 2007 00:01:00 GMT

Energy users are paying £2.5bn a year more than they should because suppliers won't tell them about cheaper tariffs.

Avoid unnecessary warranties

Wed, 12 Dec 2007 00:01:00 GMT

Consumer groups are warning shoppers to think twice before taking out extended warranties on electrical items this Christmas.

Problems in store for using the wrong card

Fri, 14 Dec 2007 00:01:00 GMT

Splashing out using your store card can often turn sour when the statement arrives...

Check out a used car before you buy

Fri, 14 Dec 2007 00:01:00 GMT

Put your mind at rest with a used vehicle checks service - with 25% off the standard price.

Are you paying out £150 more than you need to?

Fri, 14 Dec 2007 00:01:00 GMT

You could be saving an average of £150 just by moving to a different deal from the same provider...

Many lenders ignore base rate cut

Fri, 14 Dec 2007 00:01:00 GMT

So far, most lenders are holding off from making mortgage rate reductions. What should you do next?

Don't pay the price on the piste

Fri, 11 Jan 2008 00:01:00 GMT

As the social skiing scene becomes as popular as the snow itself, tread carefully or you may be taking a huge financial risk...

More price hikes are in the pipeline

Fri, 11 Jan 2008 00:01:00 GMT

Sadly, the price rises are only the beginning but I have some crucial advice on what to do next...

How our finances were affected in 2007

Thu, 20 Dec 2007 00:01:00 GMT

What were the highlights of the past 12 months - and how do they affect the year ahead?

The year ahead for your money

Thu, 20 Dec 2007 00:01:00 GMT

Many of us make the same resolution every year - to get our finances in order. However, this is the year I want us all to see that resolution through and so I've asked the Rate Alert experts to offer their predictions and tips to help us make the most of 2008...

Protect against ski injuries

Mon, 3 Dec 2007 00:01:00 GMT

A ski injury could leave you not only in pain but seriously out of pocket unless you have the right cover.

Virgin' on a takeover

Mon, 3 Dec 2007 00:01:00 GMT

If Virgin's offer were to succeed, what would that mean for Northern Rock savers and borrowers?

How to beat debt

Mon, 12 Nov 2007 00:01:00 GMT

Up to 75% of consumers feel they are not to blame their massive debts, according to a survey. Yet taking charge of your debts is the first step on the road to sorting out the problem. If you are struggling to cope with your debts, don't bury your head in the sand - I'll help you get back on track...

Start your engines for cashback

Fri, 4 Jan 2008 00:01:00 GMT

Make your finances more manageable in 2008 and think twice before sticking with your current car insurance provider...

Let the price rises begin

Fri, 4 Jan 2008 00:01:00 GMT

Energy suppliers are at it again - hiking prices. Where should you go for the best deals?

Overspent at Christmas? Now get the balance right

Fri, 4 Jan 2008 00:01:00 GMT

As we begin to feel the effects of our Christmas spending, moving to a 0% deal is important to get your finances on track...

How to get your savings back on track

Fri, 4 Jan 2008 00:01:00 GMT

With further base rate cuts on the agenda, you need to be quick to grab the host of attractive savings offers still available...