Financial News

Lenders Warned As 95% Mortgages Return

Low-deposit mortgage deals are back on offer for first-time buyers after the financial crisis left many struggling to get on the property ladder.

Greece Gears Up For More Clashes Over Cuts

Greece's prime minister has warned of "uncontrolled chaos" if its parliament fails to back tough austerity measures - as the country prepares for further street protests.

RBS Blamed For Banks Missing Lending Target

UK banks have missed the overall target they agreed with the Government for lending to small businesses, with the blame falling on taxpayer-backed Royal Bank of Scotland.

Barclays Cuts Bonus Pool As Profits Fall

Banking giant Barclays has posted pre-tax profits of £5.9bn for 2011 - a fall of 3% on the previous year.

Lenders Warned As 95% Mortgages Return

Greece Gears Up For More Clashes Over Cuts

RBS Blamed For Banks Missing Lending Target

Barclays Cuts Bonus Pool As Profits Fall

more of today's top stories

view full financial news archive

LinkedIn Revenues Double As Membership Rises

Career networking website LinkedIn has seen its fourth quarter revenues double compared to a year ago as another 14 million members joined up.

Imminent? Rumours Buzzing About Apple iPad 3

The rumour mill is getting fired up with the possibility that Apple will launch its new iPad next month.

Women Could Get Tax Breaks For Cleaners

Prime Minister David Cameron has been criticised by Labour for suggesting he might look at a scheme offering tax breaks to working women who employ domestic staff.

Bank Of England Makes £50bn Cash Injection

The Bank of England has announced it will extend its quantitative easing (QE) programme by £50bn in a bid to stave off a double-dip recession.

Record Orders Boost Profits For Rolls-Royce

UK engine maker Rolls-Royce has posted a 21% rise in pre-tax profits, driven by record orders.

Diageo 'Cautious' As UK Drinks Sales Decline

Drinks company Diageo has reported a decline in UK sales, prompting its chief executive to tell Sky News he "remains cautious" about the future.

markets

Graph time span

Index	Value	Change
FTSE-100	5852.39	-43.08	-0.73%
FTSE-250	11168.00	-67.00	-0.60%
FTSE AllShr	3024.62	-21.49	-0.71%
Dow Jones	12801.23	-89.23	-0.69%
Nasdaq	2903.88	-23.35	-0.80%
S&P 500	1342.64	-9.31	-0.69%
Xetra DAX	6692.96	-95.84	-1.41%
CAC 40	3373.14	-51.57	-1.51%
Hang Seng	20783.86	-226.15	-1.08%
Nikkei 225	8947.17	-55.07	-0.61%

Data is delayed by 15 minutes and is for indicative purposes only. It is not intended to be relied upon for specific financial decisions.

Summary information:

Sell
Mid
Day High
Previous Close
Buy
Change
Day Low

Data is delayed by 15 minutes and is for indicative purposes only. It is not intended to be relied upon for specific financial decisions.

currency converter

change amount

from this currency

to this currency

value

1.19

credit cards

Full Width Tool Tab 1

Card	Transfer Rate	Duration	Representative APR
NATIONWIDE BUILDING SOCIETY SELECT CARD	0.00%	17 months	12.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 12.90% (variable)
HALIFAX ALL IN ONE	0.00%	15 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM WITH PURCHASE	0.00%	14 months	18.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 18.90% (variable)
NATWEST YOURPOINTS WORLD MASTERCARD	0.00%	13 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

Card	Transfer Rate	Duration	Representative APR
HSBC CREDIT CARD	0.00%	23 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM CREDIT CARD WITH EXTENDED BALANCE TRANSFER	0.00%	22 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
HALIFAX BALANCE TRANSFER CREDIT CARD	0.00%	22 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM CREDIT CARD WITH BALANCE TRANSFER	0.00%	21 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

Card	Cashback	Representative APR
SANTANDER 123 CASHBACK CREDIT CARD	This card offers 3% cashback on fuel spending (capped at £300 spend per month), 2% cashback on department store spending and 1% cashback on supermarket spending.	22.80% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) with an annual fee of £24.00 your Representative APR will be 22.80% (variable)
AMERICAN EXPRESS PLATINUM CASHBACK	Earn 5% cashback on your first £2,000 spend within the first 3 months. This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. Spend more than £10,000 on your card in the preceding 12 months and receive an anniversary bonus of double cashback every year on the 13th month of your card membership.	18.50% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) with an annual fee of £25.00 your Representative APR will be 18.50% (variable)

Card	Credit Amount	Fee	Representative APR
CAPITAL ONE VISA CARD	£1200.00	£0	28.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 28.90% (variable)
AQUIS VISA CARD (ISSUED BY VANQUIS BANK)	£1000.00	£0	29.80% (variable)
Representative example: If you spend £1000.00 at a purchase rate of 0% (variable) your Representative APR will be 29.80% (variable)
BARCLAYCARD INITIAL	£1200.00	£0	29.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 29.90% (variable)
CAPITAL ONE CLASSIC	£1200.00	£0	34.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 34.90% (variable)

Card	Interest Rate	Fee	Representative APR
SAINSBURY'S LOW RATE CREDIT CARD	6.95% a purchase (variable)	£0	6.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 6.90% (variable)
BARCLAYCARD PLATINUM SIMPLICITY	7.90% a purchase (variable)	£0	7.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 7.90% (variable)
CAPITAL ONE CLICK CARD	9.94% a purchase (variable)	£0	9.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 9.90% (variable)

Card	Purchase Rate	Duration	Representative APR
NATIONWIDE BUILDING SOCIETY SELECT CARD	0.00%	18 months	12.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 12.90% (variable)
BRITISH AIRWAYS AMERICAN EXPRESS PREMIUM PLUS CARD	0.00%	18 months	50.10% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) with an annual fee of £150.00 your Representative APR will be 50.10% (variable)
MARKS & SPENCER CREDIT CARD	0.00%	15 months	15.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 15.90% (variable)
TESCO CLUBCARD CREDIT CARD	0.00%	15 months	16.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 16.90% (variable)

Card	Rewards	Representative APR
TESCO CLUBCARD CREDIT CARD	Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points.	16.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 16.90% (variable)
NATWEST YOURPOINTS WORLD MASTERCARD	INTRODUCTORY OFFER ? 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest?s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

fee may apply

loans

Full Width Tool Tab 2

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
PLATINUM	6.00%	£192.59	£1555.00	£11555.00
Homeowner loan borrowing £10000.00 over 5 years. Typical APR of 14.5% variable.
OCEAN FINANCE	9.70%	£250.25	£2012.00	£12012.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 13.7% variable.
CENTRAL CAPITAL	12.50%	£262.54	£2602.00	£12602.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 19.4% variable.

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
CENTRAL CAPITAL	12.50%	£262.54	£2602.00	£12602.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 19.4% variable.
NORTON FINANCE	15.90%	£277.53	£3321.00	£13321.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 17.9% variable.
OCEAN FINANCE	19.80%	£294.81	£4151.00	£14151.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 23.6% variable.

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
M&S PERSONAL LOAN	6.00%	£234.12	£1238.00	£11238.00
Representative example: If you borrow £10000.00 over 4 years at a Representative APR of 6.00% fixed and an annual interest rate of 6%.
PLATINUM	6.00%	£192.59	£1555.00	£11555.00
Homeowner loan borrowing £10000.00 over 5 years. Typical APR of 14.5% variable.
TESCO	6.10%	£234.56	£1259.00	£11259.00
Representative example: If you borrow £10000.00 over 4 years at a Representative APR of 6.10% fixed and an annual interest rate of 6.1%.

banking

Full Width Tool Tab 4

Bank	Account Name	Interest (AER)
SECURE TRUST BANK PLC	Current Account	0.5%
CARDONEBANKING	CardOneBanking managed Account	0%
ADVANCED PAYMENT SOLUTIONS FINANCIAL LTD	cashplus Deluxe Account	0%
TUXEDO	Eccount Banking	0%

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
SANTANDER	Preferred Current Account	5%	1	0	0.0000
LLOYDS TSB BANK PLC	Classic Account with Vantage	3%	3000	19.28	10.0000
HALIFAX	Reward Current Account	0%	1000	0	0.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
SANTANDER	Preferred Current Account	5%	1	0	0.0000
FIRST DIRECT	1st Account	0%	1	15.9	250.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
THE CO-OPERATIVE BANK PLC	Current Account Plus	0%	1	15.9	0.0000
FIRST DIRECT	1st Account	0%	1	15.9	250.0000
NATIONWIDE BS	FlexAccount	0%	1	18.9	0.0000
BARCLAYS BANK PLC	Bank Account	0%	0	19.3	0.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
THE ROYAL BANK OF SCOTLAND PLC	Royalties Gold Account	0%	1	19.24	250.0000
NATWEST BANK PLC	Advantage Gold	0%	1	19.49	100.0000
SANTANDER	Premium Current Account	5%	1	0	0.0000
BARCLAYS BANK PLC	Additions Active	0%	0	18.3	300.0000

savings

Full Width Tool Tab 5

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
CHESHIRE BS	Direct Cash ISA (Issue 1)	3.06%	None	£1000
ING DIRECT	ING Direct Cash ISA	3%	None	£1
VIRGIN MONEY	Virgin Easy Access Cash eISA	2.85%	None	£1
PRINCIPALITY BS	e-ISA Issue 2	2.8%	None	£1
SELFTRADE	Cash ISA Issue 1	2.62%	None	£1
HALIFAX	ISA Saver Online	2.6%	None	£1
NATWEST	e-ISA	2%	None	£1
NATIONWIDE BS	e-ISA	1.75%	None	£1
ROYAL BANK OF SCOTLAND	Instant Access Cash ISA	0.55%	Instant	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
NORTHERN ROCK	Little Rock Fixed Rate Bond Issue 6	3.3%	01.09.14	£1
NORTHERN ROCK	Little Rock Instant Access Issue 2	3%	Instant	£1
CHORLEY & DISTRICT BS	Foxley Fund	2.9%	Age 18	£1
CHELSEA BS	Ready Steady Save	2%	Instant	£1
CHELTENHAM & GLOUCESTER	Young Investor	2%	Instant	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
WEST BROM BS	Direct Bonus Account 3	3.13%	None	£10000
SANTANDER	eSaver Issue 4	3.1%	None	£1
ING DIRECT	Savings Account	2.9%	None	£1
PRINCIPALITY BS	e-SAVER Issue 4	2.85%	None	£1
VIRGIN MONEY	Virgin Easy Access eSaver	2.85%	None	£1
VIRGIN MONEY	Virgin Easy Access Saver	2.85%	Instant	£1
WEST BROM BS	WeBSave Plus 2	2.81%	None	£1000
HALIFAX	Online Saver	2.8%	None	£1
CHELSEA BS	e-Saver Reward	2.6%	None	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
SCOTTISH WIDOWS BANK	5 Year Fixed Term Deposit	4.6%	14.02.17	£10000
HALIFAX	Fixed Online Saver	4.25%	5 Year Bond	£500
HALIFAX	Fixed Online Saver	4.15%	4 Year Bond	£500
HALIFAX	Fixed Online Saver	4%	3 Year Bond	£500
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.9%	2 Year Bond	£1000
HALIFAX	Fixed Online Saver	3.75%	2 Year Bond	£500
UNITED NATIONAL BANK	3 Year Fixed Term Deposit	3.6%	3 Year Bond	£2000
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.5%	1 Year Bond	£1000
UNITED NATIONAL BANK	2 Year Fixed Term Deposit	3.5%	2 Year Bond	£2000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
SHAWBROOK BANK	120 Day Notice Personal Savings Account Issue 1	3.45%	120 Day	£1000
CLOSE BROTHERS SAVINGS	Select Gold 180 Day Notice	3.15%	180 Day	£10000
POST OFFICE®	Reward Saver Issue 2	3%	30 Day	£500
UNITED NATIONAL BANK	10th Anniversary 90 Day Online Notice	3%	90 Day	£2000
SKIPTON BS	Serious Saver	2.75%	15 Day	£5000
PRINCIPALITY BS	60 Day Direct	2.6%	60 Day	£1000
MELTON MOWBRAY BS	Online 30 Day Notice Issue 2	2.58%	30 Day	£1000
PROGRESSIVE BS	Postal 7 Day Notice Issue 9	2.51%	7 Day	£500
FIRSTSAVE	90 Day Notice - Base Rate Linked	2.5%	90 Day	£100

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
LLOYDS TSB INTERNATIONAL	Fixed Term Deposit	4.5%	5 Year Bond	£10000
ALLIANCE & LEICESTER INTERNATIONAL	5 Year Fixed Rate Bond Issue 12	4%	28.02.17	£5000
ALLIANCE & LEICESTER INTERNATIONAL	1 Year Fixed Rate Bond Issue 100	3.4%	28.02.13	£5000
LLOYDS TSB INTERNATIONAL	International Incentive Saver	2.42%	None	£10000
BRITANNIA INTERNATIONAL	60 Day Notice	1.75%	60 Day	£5000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
SAFFRON BS	12 Month Fixed Rate Regular Saver (Issue 2)	4%	12 Month Bond	£10
PRINCIPALITY BS	Regular Saver Bond Issue 11	4%	1 Year Bond	£20
BUCKINGHAMSHIRE BS	Chiltern Gold Builder Issue 2	3.5%	Instant	£25
BARCLAYS BANK	Monthly Savings	3.25%	12 Month Bond	£20
MARKET HARBOROUGH BS	Monthly Super Saver	2.95%	Instant	£10
BRITANNIA	Easy Monthly Saver	2.1%	None	£20
TRIODOS BANK	Fixed Regular Saver	1.76%	33 Day	£25
NATIONAL COUNTIES BS	Monthly Saver	1.5%	Instant	£20

Financial News

Lenders Warned As 95% Mortgages Return

Greece Gears Up For More Clashes Over Cuts

RBS Blamed For Banks Missing Lending Target

Barclays Cuts Bonus Pool As Profits Fall

Lenders Warned As 95% Mortgages Return

Greece Gears Up For More Clashes Over Cuts

RBS Blamed For Banks Missing Lending Target

Barclays Cuts Bonus Pool As Profits Fall

more of today's top stories

markets

Graph time span

shares

currency converter

credit cards

loans

banking

savings

latest

on Orange News today

The Orange Credit Card

Deal with your debts in 2012

partner links