This mailing was sent to you at <> by Moneynet. To ensure you receive your
Moneynet emails, please add moneyfocus@email.moneynet.co.uk to your address book now.
If you are having difficulties viewing this email, .

homepage	credit cards	loans	insurance	mortgages	banking & saving	refused credit	best buys	product guides

At this time of year many people are thinking about getting their finances in order for the coming year. With this in mind we have put together four of the best products on the market that could help you to save money in 2007.

Credit Cards - 0% on balance transfers until end Feb 2008
If your credit card has taken a bit of a hammering over Christmas and you are unable to clear the balance in full then you should think of transferring the balance to a card offering a 0% introductory rate. One of the best products on the market currently is on offer from MBNA who will give you 0% until end of February 2008 on balance transfers. Transfer a balance of Ł1000 from a card charging an average 16% APR and you could save over Ł150 over the next 12 months. More
MBNA Credit Card >>>
Compare credit cards >>>

Mortgages - fixed at 4.49% (6.90% APR)
until 31st March 2009

It's always good to keep your mortgage rate under review and with interest rates having increased recently now may be a good time to get into a fixed rate. Whether you're looking for a new mortgage or thinking of remortgaging Yorkshire Building Society currently have a market leading two year fixed rate at just 4.49% (6.90% APR) until 31st March 2009. Available for purchases or

remortgages up to 95% this is a deal that could save you money if you're currently on a standard variable rate mortgage. For example a repayment mortgage of Ł100,000 over 25 years at standard variable rates of around 7% will cost you approximately Ł706 per month. However, at 4.49% (6.90% APR) your repayments could be reduced to just Ł554 per month - a saving of Ł152 per month or Ł3648 over the next two years. Better still there are no tie-ins at the end of the fixed rate period meaning that you can move to a new lender or negotiate another deal. The only catch with the product is that there is a fee of 1.50% of which 0.25% is payable on application and is non-refundable - the balance is added to the mortgage account at completion. As an alternative the Yorkshire are also offering a rate of 4.99% (6.80% APR) fixed for the same period with a lower fee of Ł595 of which Ł195 is non-refundable and payable with the application and the balance is added to the mortgage account. More
Yorkshire Building Society mortgage >>>
Compare mortgages >>>
Speak to a mortgage advisor >>>

Personal Loans - 5.80% APR
If you're more seriously burdened with debt then you may wish to consider a loan to consolidate the debt and give you a structured repayment plan. Northern Rock are offering loans from Ł1 to Ł25,000 at a market leading rate of 5.8% APR. A loan of Ł5000 over 5 years at this rate will cost as little as Ł95.86 per month. More
Northern Rock personal loan >>>
Compare personal loans >>>
Get a secured loans quote >>>

Home & Car Insurance - 25% off
HSBC are currently offering 25% off their Home and Car Insurance prices in their 'Green Sale'. If your current insurance is up for renewal then this is well worth considering and could save you money. More
HSBC car & home insurance >>>
Compare home insurance >>>
Compare car insurance >>>

Personal Loans	Secured Loans	Credit Cards
Mortgages	Life Insurance	Car Insurance
Home Insurance	Travel Insurance	Banking & Saving

Moneynet is a trading name of Sterling Business Consultants Limited of Sussex House, 8-10 Homesdale Road, Bromley, BR2 9LZ. Our registered office is 51 Eastcheap, London EC3M 1JP, Reg No: 03165711. Moneynet is authorised and regulated by the Financial Services Authority. This site is intended for UK residents only. Information correct at time of publication.

Please follow this link to unsubscribe from the Moneynet newsletter