Blog
Getting the Most Out of Mortgage Calculators
If you’re in the market for a new house, but have no idea what you can really afford, a mortgage calculator is the tool to get you started… It’s hard to imagine now, but just five or six years ago we were in the middle of a property boom. Fuelled by interest-only mortgages, the housing market was open to people who had never previously dreamed of owning their own home. To cope with this new, almost limitless potential homebuyer market, lenders developed tools that could quickly help customers understand the kind of mortgage...
read moreGetting the Most from a Credit Card: Potential Pitfalls
A credit card can be a highly useful tool. It means you can pay for things easily online, and out in the real world, without having to carry cash on you. Used responsibly, it needn’t even cost you anything. Credit card providers like Santander offer reasonable rates and the security which comes with a large, continental financial institution (see their website for information on Santander credit cards). However, there are obviously a number of potential pitfalls inherent in borrowing money in any form. Let’s take a look at some of the...
read moreBritish Airways American Express
The British Airways American Express card is our best airline credit card because of these great traits: You get 1 BA mile for every pound spent You get 3,000 bonus BA Miles when you spend £500 in your first 3 months of membership Spend £20,000 on your Card in a year and redeem your BA Miles on a BA flight and you’ll get a free ticket for a companion for the same flight and cabin e.g. if you go first class they do too There is no annual fee You are entitled to travel accident insurance up to £75,000 Furthermore, you also get these...
read moreCapital One Click Card
The Capital One Click credit card gives good discounts at a number of online retailers. Some of the best discounts include: 20% off Ted Baker 50% off selected events at viagogo.co.uk 30% off at zavvi.com 25% off holiday packages at Travelpack.com In addition, Capital One throw in a few new and exciting discounts every three months, via email. As long as you remember to pay the card off in full every month, you’ll avoid the 9.9% APR and will be quids in. The offers will last for six months from the date you register for Capital...
read moreCapital One World MasterCard
The Capital One World MasterCard is one of the best cash back cards in the UK. This card gives you a massive 5% for the first 99 days (max £100 cashback during that time). That makes it a great option if you have large up-coming spends e.g. in preparation for Christmas, moving home, etc. After the introductory period, the spend on the card resets and you are placed on their tired payouts. Tiers are as follows: 3 months @ 5% (max £100). 0.5% up to to £6k spending. 1% up to £6k-10k. 1.25% above £10k. So the first £6k you spend...
read moreSantander 123 Cashback Card
The Santander 123 Cashack card pays three different cashback rates. These include: A big 3% on petrol (on up to £300/month spend) 2% in department stores 1% in supermarkets. Unfortunately, if you spend outside of that, you’ll get no extra cash back. All of the major petrol stations, department stores and supermarkets are included in the cash back offer. The Santander website has a full list. The card attracts a pesky £24 fee so you have to be sure that you’ll use it enough to make it beat other cash back cards. The...
read moreCapital One Purchase Plus (Discontinued)
This card has been taken off the UK market. Check out our up-to-date list of the best cash back cards. —– This card is simple and consistent and is one of the best cash back cards there is. It pays 1% unlimited cash back on everything and there are no annual fees. You also get the benefits of it being a widely accepted MasterCard. As with the Capital One card mentioned earlier, acceptance criteria is strict. You have to have an excellent credit rating, earn £20k a year and be a homeowner. This table shows the cash back you’ll...
read moreAmex Platinum Cashback
The American Express Platinum Cashback card is a great for those that want a high rate of cash back over a long period of time as opposed to just a high introductory rate in preparation for a big spend. It pays new cardholders 2.5% cash back for the first three months up to £4000 of spending (max cash back you can earn during the first three months is £100). After this, you get a healthy 1.25% cash back. Furthermore, if you spend over £10,000 in a year, you’ll also get unlimited 2.5% cashback in your anniversary month as an extra...
read more
