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Get a snapshot of what we consider to be the best buys for mortgages, banking, credit cards and personal loans. best buys Moneynet is a trading name of Sterling Business Consultants Limited of Sussex House, 8-10 Homesdale Road, Bromley, BR2 9LZ which is authorised and regulated by the Financial Services Authority. This site is intended for UK residents only. card credit service wireless

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Life Insurance - UK Life Insurance - Moneynet.co.uk Get the best life insurance deal with Moneynet.co.uk. Compare life insurance quotes and get the best deal from leading UK life insurance providers life insurance, uk life insurance, cheap life insurance, life insurance quote, life assurance, moneynet, moneynet.co.uk Moneynet Moneynet homepage credit cards loans insurance mortgages banking saving refused credit resources product guides Life Insurance We compare the life insurance market to find you the lowest price

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* Premiums quoted are per month, based on a 25 year level term life cover of 00, 000 for a 30 year old male non-smoker in normal health. Figures provided by LPD, correct at October 2007 Life Insurance Guide - Life Insurance Quote card chase credit customer

Far from being an unsecured loan, further borrowing or an overdraft with their mortgage lender could in fact be secured against their property if the original mortgage agreement included an Ill Monies Charge clause. card chase credit service

t shocking that borrowers who believe their additional borrowing is safely separated from their mortgage are actually agreeing to risk the security of their home something many people would never consider doing, says Moneynet.co.uk chief executive Richard Brown. citi credit monitoring service

The Ill Monies Charge clause in the mortgage agreement documents issued by some lenders means the lender secures all debt against the mortgaged property, including any additional borrowing such as personal loans or overdrafts. This means they are entitled to repossess the property should the borrower default. credit plus service union

eople may think better the devil they know when deciding which lender to choose for an unsecured loan but unless they read all the small print they could be unaware that they are to all intents and purposes signing up for a secured loan rather than unsecured, he says. credit farm service

In a year which could be a challenge to many homeowners as the economy faces turbulent times, awareness of this silent but deadly clause could make the difference between losing and keeping their homes. 1st credit federal service

nyone in the process of taking out a mortgage should ask their solicitor to find out if the lender applies an Ill Monies Charge adds Brown. f they do, it worth asking the lender to remove the offending clause. /p credit paychex service tax

Mark Beaton, Head of Residential Conveyancing and a partner with East Anglian firm Ashton Graham, said: This issue is not always investigated by a borrower and can come as a surprise at a later date. I would therefore advise clients to raise the question with their mortgage broker or potential mortgage company at an early stage. credit service tax

Brown concludes: f the lender refuses to remove the clause I would recommend finding a lender that does not include this exacting requirement. If this isn feasible, at least borrowers will know that any additional borrowing must be sourced elsewhere in order to protect the security of their home. /p aeon credit service

* BBA/BSA data, April 2007 credit one service union

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PRESS ENQUIRIES

Richard Brown, Chief Executive, 0208 313 9030 David Andrews/Cathy Tully, David Andrews Media Ltd 07941 255855 / 01273 774109 / 07747196854 Consumer enquiries: info@moneynet.co.uk / www.moneynet.co.uk Moneynet.co.uk is the UK s longest established online personal finance research and data analyst company. The company offers consumers a choice of thousands of low cost financial services products. From mortgages, personal loans to motor, home and medical insurance, credit cards, savings accounts and best buy fixed rate products, Moneynet is one of the most comprehensive online services of its kind in the UK. Founded by chief executive Richard Brown, the Moneynet brand is destined to become one of the UK s major players in consumer finance products. bad cell credit phone service

ONLINE gamblers could risk losing more than their stake if they use a credit card to fund their flutters, warns Moneynet.co.uk. The personal finance comparison site reveals that the majority of credit card providers now treat online gambling transactions in the same way as a cash advance, which usually attracts a higher rate of interest than other purchases. Furthermore, whilst most cards offer up to 56 days interest free on purchases there is no such leeway given on gambling transactions, meaning that punters will be incurring interest from day one. counseling credit debt service

nless gamblers are aware that these transactions are treated differently from normal everyday purchases they will be losing money hand over fist as the top rate of interest stacks up, says Moneynet.co.uk chief executive Richard Brown. card credit payment service

Big name providers including HSBC, Nat West and First Direct all stand to make a profit from their customers gambling habits by loading the interest rate, whilst the Co-op and Nationwide both impose a cash withdrawal handling charge. card credit merchant

Credit Cards - Gambling Transactions Provider Card Purchase Interest Rate Cash Interest Rate Cash withdrawal handling charge Cash withdrawal handling charge applied to gambling Co-op

Flat Rate 11.90% 11.90% 2.5% Min Yes Nationwide Gold 15.90% 22.90% 2.5% Min Yes First Direct Credit Card 17.90% 21.90% 2.5% Min .50 No counseling credit family

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Classic 12.90% 24.94% 3% Min No Nationwide allocate repayments to highest interest rate bearing balances first All other cards allocate to lowest interest rate bearing balances first All cards listed charge rate applicable to cash withdrawals on gambling transactions In addition Co-op and Nationwide impose cash withdrawal handling charge Source: Moneynet.co.uk, 24 January 2008 annual credit report request

n online gambler racking up, 000 worth of debt on a credit card at a 22 per cent cash advance rate will repay interest of at least, 100 a year unless they clear the debt, he says. n other words, the gambler will need to win their stake back plus at least 22 per cent just to stand still. With the Chancellor decision to allow a raft of casinos to open up across the UK, the number of gamblers is undoubtedly set to rise as gaming becomes an increasingly mainstream leisure interest area bay credit service

hilst it fun for the majority it well known that gambling can become an addiction for the minority, says Brown. sing a credit card to fund your wager poses an obvious risk and these additional charges just mean that odds are further stacked against the gambler. * BBA/BSA data, April 2007 atlanta consumer counseling

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PRESS ENQUIRIES

Richard Brown, Chief Executive, 0208 313 9030 David Andrews/Cathy Tully, David Andrews Media Ltd 07941 255855 / 01273 774109 / 07747196854 account card credit merchant

Adverse Credit Secured Loans - Moneynet.co.uk Find adverse credit secured loans with Moneynet.co.uk, the online source for adverse credit options. Search for adverse credit personal loans using the online search tool. Adverse credit secured loans, adverse finance loans, secured loans, bad credit loans, bad credit secured loan, bad credit personal loan, adverse credit, moneynet.co.uk Moneynet Moneynet homepage credit cards loans insurance mortgages banking saving refused credit resources product guides

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House Name/Number: Postcode: Email: Daytime Phone: Evening Phone: Mobile Phone: Best time to call: Anytime 9-12 12-3 3-6 6-9 Credit History: Please select Good Poor Don t know Have You: Been declared bankrupt Missed a loan or mortgage payment in the last 12 months Had a CCJ or IVA issued against you Had a default issued against you None of the above Approx Property Value: card cardmember chase credit

Outstanding mortgage balance: We d like to send you our exclusive personal finance e-newsletter. Please untick this box if you do NOT wish to receive this. Please forward my details to a loan specialist in order to provide a secured loan quotation. SECURITY BY WAY OF A CHARGE ON YOUR PROPERTY MAY BE REQUIRED. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. clean credit repair service

Adverse Credit Cards - Moneynet.co.uk Find out about adverse credit cards with Moneynet.co.uk, the online source for adverse credit options including a range of credit cards. Adverse credit cards, adverse credit, credit cards, bad credit credit cards, moneynet.co.uk

ADVERSE CREDIT CARDS Currently, only one credit card provider offers a card for people with adverse credit history. Capital One offer a credit card designed for those with a poor credit rating. Applying for the Capital One Visa Card can help strengthen your credit card history. captial one adverse credit card You will also be able to enjoy: credit management service

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Moneynet Moneynet homepage credit cards loans insurance mortgages banking saving refused credit resources product guides Mortgage Directory Residential Mortgages Buy To Let Mortgages Flexible Mortgages Bad Credit Mortgages Remortgages 1 Mortgage and Loan Calculators - Moneynet.co.uk Use the personal finance calculators from Moneynet.co.uk, the easy and convenient way to search for personal finance. Our mortgage calculator and loan calculator and remortgage calculator can help you find the right solution Personal finance calculators, personal finance, mortgage calculator, loan calculator, remortgage calculator, moneynet.co.uk best buys resources Accountstore Calculators Standard mortgage Remortgage calculator How much can I borrow How much will it cost How much can I afford Budget planner Gas electricity Newsletter Press releases standard mortgage calculator

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Ethical Finance Guide - Ethical Finance - Moneynet.co.uk Read the ethical finance guide from Moneynet.co.uk for impartial information on ethical investment. Find information on ethical investment funds and a range of ethical finance products. Ethical finance, ethical investment, ethical investing, ethical finance products, ethical investments and pensions, ethical power providers, ethical financial investment, personal finance, moneynet.co.uk

Ethical investing has gone from being a fringe activity - previously seen as the practice of tree-huggers and sandal-wearers - to a going concern that offers clear-conscience alternatives for the full range of financial products including mortgages, bank accounts, utilities, investments and pensions. credit household service

Now, more than ever, it s easy being green. But just because a product is deemed ethical doesn t mean it is necessarily a wise financial choice. Given the relatively small number of companies engaged in ethical activities, there are a restricted number of stocks that funds can be invested in - a situation that often caused poor performance in the past. credit monitoring report

These days, however, UK ethical funds perform on a par with regular funds, according to Standard and Poor s. This is a far cry from 1984 when Friends Provident s Stewardship Fund had to carry a wealth warning so that investors knew the rewards of ethical investment might not have stretched far beyond a clear conscience. credit creek pacific service

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Contents

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Family Finance Guide - Moneynet.co.uk Read the family finance guide from Moneynet.co.uk, providing information on family finance issues such as child trust funds (CTF s) and child tax credits. family finance guide, family finance, family financial, child benefit, child trust fund, ctf, child tax credits, moneynet, moneynet.co.uk

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