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Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible.

Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.
 
 
 
 
 
 
 
 
 
 
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Based on your information we recommend you speak to a personal debt adviser.

They will offer you advice on:
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  • Consolidating your debts
  • Reducing the amount you owe
  • How to freeze your interest payments
  • Protecting you from creditors
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Saving is getting harder as the best-buy tables are topped with unfamiliar names

Who is Julian Hodge and would you entrust your life’s savings to his bank? Or how do you feel about handing over fistfuls of spare dollars to FirstSave, Nigeria’s finest? Maybe, as a soft compromise, you might settle for wiring your wonga to an account with Anglo Irish where every penny, not just £50,000, is guaranteed by the Irish government.

Anyone hunting the very best in easy-access or fixed savings rates must today ask themselves these questions and endure hours of internet research and fact-finding to secure peace of mind for their money.

As the Tories and Labour draw the battle lines over who will do the most to help savers battered by crashing interest rates, in the best-buy tables UK banks and building socities have, perhaps only temporarily, ceded dominance to overseas providers. Top of Moneyfacts’s tables for easy access accounts is Anglo Irish offering 4.55%, while top of the best-buy fixed rates is ICICI, the giant Indian savings bank, touting 5.1%; other featured institutions include Julian Hodge Bank and FirstSave.

Making sure you do extra homework with overseas banks is neither xenophobia nor bias against small financial institutions who usually bury their financial lights deep beneath a bushel: it is simply a case of being able to rest easy as you save.

At one remove, this is a positive development: it can only do us good to properly investigate those financial bodies to whom we’re happy to give our cash and if we learn plenty along the way - the strength of a country’s banking system, how it’s rated by credit agencies, rates of interest across a whole spectrum of accounts, whether it’s as comprehensively regulated as UK banks - then more’s the better. But it’s another layer of complexity for savers who are already struggling at the moment. Do you think it’s worth it? Or have you just opted to hold your cash with a household name - no matter how poor the rate on offer?

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This entry was posted on Tuesday, January 6th, 2009 at 11:21 am and is filed under Loans News. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

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