Money Insurance Travel Motoring Utilities Mobile Phones Shopping Broadband view the online version recommend a friend After the shock rate cut fears are mounting that consumers will lose out as banks and building societies slash savings rates but fail to pass on the rate reduction to mortgage customers. Follow our tips to beat the banks.... Clare Francis, Site Editor, ask Clare a question  articles  money - credit cards I loans I current accounts  community - forums I weekly poll I video TIPS FOR SAVERS AND BORROWERS AS INTEREST RATES FALL Debt getting you down? Why not consolidate with a loan? Provider APR Typical APR Proceed Platinum Loans 7.8% 11.4% Proceed Sainsbury's Personal Loan 7.9% 7.9% Proceed Halifax - (semi-exclusive) 8.6% 8.6% Proceed Bank of Scotland - (semi exclusive) 8.6% 8.6% Proceed Alliance & Leicester 8.7% 8.7% Proceed  Alternatively follow this link to view   all loans available Social Media watch us on          follow us on Implications of rate cut "The Bank of England has slashed Bank rate by 1.5%, placing it at its lowest level for 53 years. However, while savers are likely to take a hit, borrowers may also lose out if mortgage lenders adopt the same strategy as many did last month and fail to pass on the full cut. We offer advice for both savers and borrowers on their next move..."read more ICICI Bank Hisave Fixed Rate Account - 6.60% Compare more than 4,000 savings accounts Which is the best savings account to guard against future rate cuts? SUPERMARKET BILLS ARE COMING DOWN "Soaring food prices have hit families hard this year but there is good news at last as prices are starting to drop back just in time for the Christmas rush. We'll reveal which product prices have dropped in the last three months and show you how to plan ahead for Christmas..."read more Compare supermarket prices with mysupermarket.com Compare rates on consumer products with our shopping channel Have you found a good deal on an item? ARE THE DAYS OF 0% CREDIT CARDS NUMBERED? 0 per cent cards pulled "Capital One, which has been one of the leading players in the interest-free credit card market, has withdrawn its 0% balance transfer deals to focus on long-term low rate offers. So what does this mean for the future of the credit card market and can you still find a good deal?"read more Capital One Fixed Rate Card - 8.5% until August 1 2012 Compare more than 300 Credit Cards including market leading and exclusive offers "I'm a novice! How do balance transfers work?" SAVE A BUNDLE IN THE MOBILE AND BROADBAND JUNGLE "Broadband bills have decreased by more than 13.9% in the last 12 months but customers are continuing to pay over the odds for both broadband contracts and their mobile phone deals. ..."read more Orange Dolphin 30 tariff Compare tariffs and handsets with our mobile phone comparison tool What are your thoughts on mobile broadband? money The following Sponsored Products can be applied for via moneysupermarket.com. To see a complete list of products please use the link below each table. Current Accounts Savings Accounts Credit Cards Looking to switch current account? Its easier than you think, below are a selection on the market right now Provider Notes Apply/ Details Alliance & Leicester Premier Direct Current Account 8.50% AER, Interest free O/D 12 mths Proceed First Direct 1st Account £250 Interest Free, then 15.9% EAR Proceed  Compare over 300 current accounts    including basic bank account Time to save? Take a look at our easy access savings accounts Provider Account AER Details ICICI HiSAVE Savings Account HiSAVE 6.16% Proceed Yorkshire BS Internet Saver Internet Saver 5.50% Proceed Sainsburys Finance Internet Saver Internet Saver 5.00% Proceed First Direct Everyday eSaver Everyday eSaver 4.25% Proceed Alliance & Leicester Online Tracker Online Tracker 6.00% Proceed  Compare over 4000 savings accounts Looking to transfer a balance? Take a look at our 0% Balance Transfer cards Card 0% BT Duration BT Fee Typical APR Apply Virgin Credit Card 16 months 2.98% 16.6% Proceed  Compare over 300 credit cards Rates valid on 07/11/08. Terms and conditions apply. Please see moneysupermarket.com for further information. community Have your say in our poll, get involved in a forum discussion or watch our expert videos. Forums Expert Video Weekly Poll Take a look at the latest hot topics on our forums, follow the link and join in the discussion. Woolwich/Barclays Bank Base Rate Mortgage with Nationwide How can Northern Rock...? Icesave enquiry Take a few minutes to view our experts discussing some of the hot topics at the moment. MPC Decision Nov 2008 06/11/2008 Clare Francis, Site Editor 0 per cent cards pulled 06/11/2008 Debt advice from the CCCS 30/10/2008 Repossession advice 23/10/2008 Do you think banks are ripping off consumers?? Vote now ... YES - definitely. They should pass interest rate cuts on in full to borrowers, particularly if savings rates are being cut YES - to a certain extent. They're doing their best in difficult circumstances and I think they'd pass rate cuts on if they could. NO - Banks are businesses so their response is totally justified. Consumers can always move if they can get a better deal elsewhere. Rates valid on 07/11/08. Terms and conditions apply. Please see moneysupermarket.com for further information. Add us to your address book  To ensure you continue to receive these emails and they appear as intended, please add our sender address to your address book. Unsubscribe You have received this email because your address has been registered on Moneysupermarket.com. If you no longer want to receive these emails then please click here to unsubscribe. Privacy Policy  I  Terms & Conditions  I  Contact Us