| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Warning: Mortgages just got more difficult to get
10 need-to-knows about changes for first-time buyers & remortgagers The Mortgage Market Review changes, which started on Sat, have changed the game in the mortgage world. Lenders must now obey strict rules to check whether mortgages are affordable. Here are the 10 things you need to know. | 1. | It's not "can you afford it now?" but "can you afford it at 7%?" Lenders must stress-test whether your mortgage is affordable, even if rates shot up to 6-7%. They've always asked about income and big bills such as utilities & debt, but they'll now want to know about other expenses too, such as...
Gym membership | Entertainment and eating out | Car servicing, MOT & tax
Groceries | Childcare, school fees or child maintenance Ignore the scaremongering over this. It's not 'they'll tell you to stop having takeaways'. They're judging affordability, so if eating out costs push you over the edge it can be a problem. If you can comfortably afford it, it's not. | | | | 2. | You'll need proof of income. Lenders MUST now see evidence of your income. They're also likely to want bank statements to see the money going into your account and outgoings you've described match up.
So go through your statements with a fine-tooth comb. If there's something unusual a lender will notice, send an explanation in with the statement rather than just get refused out of hand. | | | | 3. | Rates are being pushed up due to this. A few lenders have made their deals slightly more expensive to put off customers and give themselves breathing space while the new rules bed in.
This could be a taste of things to come. The UK's improving economy means it's likely interest rates will rise sooner, and mortgage fixes are based on long-term predictions of interest rates. Mortgage rates are close to all-time lows right now, so if you're fixing, sooner could be better.
| Top Mortgage DEALS SELECTION | | Top first-time buyer mortgages (all 90% LTV - ie, needing 10% deposit) | | Lender | Deal | Rate | Fee | SVR (i)
(rate after fix ends) | Overall APR (i)
(if you never switch) | | Britannia | 2yr fixed | 3.95% | £0 | 4.74% | 4.7% | | Yorkshire Bank* | 5yr fixed | 4.29% | £999 | 4.95% | 4.9% | | Post Office | 2yr tracker | 4.99% (i) | £995 | 4.49% | 4.8% | | HSBC | Lifetime tracker | 3.99% (i) | £1499 | n/a | 4.2% | | Top remortgages (all 75% LTV, ie, you need to have 25% equity in your property) | | Accord | 2yr fixed | 2.29% | £475 | 5.99% | 5.5% | | Post Office | 5yr fixed | 3.38% | £0 | 4.49% | 4.1% | | Chelsea BS* | 2yr tracker | 2.14% (i) | £475 | 5.79% | 5.2% | | HSBC | Lifetime tracker | 2.89% (i) | £0 | n/a | 2.9% | Based on £150,000 loan over 25yrs on a capital repayment mortgage with fees paid upfront. Ensure you budget so it's affordable - or as they say: "Your home may be repossessed if you don't keep up repayments." (i) Variable so can change.
These picks are by MSE Lesley, our in-house mortgage broker. | These rates are for one specific borrowing amount. For a bespoke list, use comparison sites incl Google*, TotallyMoney & Money Advice Service. | | | | 4. | FREE printed First-Time Buyers or Remortgaging booklet. Affordability's just the latest hurdle. Before picking a mortgage you need to navigate your credit score, choosing a deal, incl Help2Buy & more. This is something to take your time over, so I've written two free 50+ page booklets to help.
Free First-Time Buyers' Booklet
Instant PDF | Order printed copy
Free Remortgage Booklet
Instant PDF | Order printed copy | | | | 5. | Apply at the right time. Before applying, think about where you are in life. Are you about to get married? Starting a family? To boost your chances of getting the deal you want, apply before you'll have a babe in arms or your lender will reduce your affordability & lend you less. But ALWAYS make sure you don't overstretch yourself. | | | | 6. | Crucial Mortgage Planning I: Give yourself a Money Makeover. With outgoings now a more significant part of acceptance criteria, it's crucial to minimise expenditure, preferably 3mths in advance, so it'll show clearly on bank statements. Even if you're too late for that, all savings can help.
Here are my top 10 big bills to check you're not overpaying on. I've focused on 'pain-free' savings - cutting costs, not curtailing your lifestyle...
1. Gas & elec 2. Credit card interest 3. Broadband & phone 4. Food shopping 5. Petrol 6. Car insurance 7. Home insurance 8. Water bills
9. Train fares. 10. Mobile contracts
See the full Money Makeover Savings checklist for full info. | | | | 7. | Crucial Mortgage Planning II: Give your credit score a makeover. Even if it's affordable, you'll still need a strong credit score to get a mortgage. As each lender has its own bespoke criteria, this is more art than science. Yet a few things tend to work for all, here's a taster...
- Check your credit file for errors. You can check for free at all three credit reference agencies, then go through it with care.
- Ensure no active accounts are mis-addressed: An old non-closed mobile addressed to your old home can kibosh acceptance - check on your file.
- Get on the electoral roll. Go to AboutMyVote to register on the electoral roll or to check whether you’re already registered.
- Boost acceptance chances - go 0.1% higher than the min. If you need a min 10% deposit, pay 10.1% - not being on the brink can ease things.
- ALWAYS pay ALL your bills on time. It might sound obvious, but failing to can severely damage your credit rating.
These are just the tip of the iceberg. See full mortgage-boosting tips in the First Time Buyers' mortgage guide. | | | | 8. | A little worry for remortgagers. Affordability checks for new mortgages make sense - renting isn't a dirty word and is a far better option than an unaffordable mortgage causing negative equity or repossession.
Yet for those trying to switch to a cheaper deal, a rejection due to unaffordability may leave them imprisoned on their existing, more expensive deal. Lenders are allowed to waive some affordability rules if you're not increasing your debt (beware if you're looking for more) but they don't have to, and we're not yet sure what attitude they'll adopt. Listen to my Radio 5 Live analysis of this. | | | | 9. | Lenders' interviews may now take 2 to 3 hours. It used to take 30mins - 1hr for the fact-find and application, but with this change, it could now take far longer and may make getting appointments more difficult. | | | | 10. | Brokers are quicker & give better choice. While the rules are new for lenders, mortgage brokers' regulations have mandated these processes for 10yrs. So brokers are likely to be more speedy & can take only an hour.
Not only that, but unlike lenders that'll only talk about their own product, brokers can search across the entire market. See our Top Brokers guide for full info, but for speed, here are our 3 top picks:
- Fees-free, searches all but direct deals. London & Country* is a phone broker that searches the 1,000s of deals available to brokers, but not the few 'direct to consumer' products. Yet you can easily use a comparison site to check direct deals in case they win. It earns via commission.
- Pay £399 to check all deals. Pay £399 and Which? Mortgage Advisers is a phone broker searching all broker and direct deals - the only ones it may miss are other brokers' exclusives. It earns via fees AND commission.
- Face-to-face local advice. If you prefer face-to-face advice, Unbiased.com lists local mortgage brokers. See key questions to ask. | | |
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| Wed 30 Apr 2014 |
B'band & phone equiv £15.25/mth + £75 Love2Shop (if line rent paid upfront)
New hot deal that can save some £100s a year. Check what you pay now - many on c.£16/mth for line rent ONLY Add up what you pay for phone & broadband now. Many people typically pay £300+ a year before calls. Yet if you pounce on short-lived hot promo deals you can nearly halve that. Full info in Cheap Broadband, here are the headlines:  Ends Thurs. £75 high street shops voucher on hot deal. MSE Blagged. Until Thurs, TalkTalk newbies (ie, not had it for 12+ mths) can get this Simply Broadband* deal on a 1yr contract:
- Compulsory line rent: You pay £15.95/mth. But we suggest, if you can afford it, you opt to pay £141 upfront for the year (equiv to £11.75/mth), during the online sign-up.
- Unlimited broadband: Currently £3.50/mth, so £42 for the year (avail to 85% of UK).
- Included calls: None, but you can add 'boosts' for anytime to landlines.
- £75 Love2Shop voucher, spendable at Boots, Argos & over 80 other stores. Once your broadband connection is live, log into TalkTalk My Account, and the voucher will be posted within 28 days.
Analysis: Excluding calls, if you pay line rent upfront + broadband, the year's cost's £183, equiv to £15.25/mth (pay line rent monthly, it's £233 - £19.45/mth), plus you get the £75 Love2Shop voucher. If you'd spend that at, say, Boots anyway, factor it in too & it's effectively £108 over the year, equiv just £9/mth (£158 a year or equiv £13/mth).
Need a new line? If you don't have a line (or only have a cable one or, in a few circumstances, Sky customers) installation's £50. You'll get that back on your first bill but WON'T get the voucher. - EVEN CHEAPER DEAL FOR EE MOBILE CUSTOMERS (or those willing to play). MSE Blagged. A similarly-structured deal is even cheaper - see full EE broadband & line rent equiv £13/mth + £120 Amazon info. It's officially only for EE mobile users, but as we explain, those prepared to grab a £10 prepay Sim can get round this.
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20,000 FREE £12 Ideal Home Show Manchester & Scotland tickets. Its first-ever Manchester show (Martin'll be appearing in his home town) and the Glasgow show is back too. We've 10,000 tickets for each. Free Ideal Home Virgin Trains 1.9 million ticket sale, incl London-Manchester £19 rtn. Book by Thurs for travel between 14 May and 21 Jun and get up to 25% off its lead-in advance fares (they're the cheapest) - includes first class. Train Sales Top 2.5% easy-access cash ISA. An ISA's just a savings account where the interest isn't taxed and since 6 April, you've a new £5,940 allowance. Nationwide's 2.5%* (only existing custs can apply online, others in branch) is the top deal, allowing withdrawals any time - BUT you can only put a max £1,250/mth in. Top easy-access deal for lump sums is Halifax 1.55%*. Both rates will drop in a year, so diarise to ditch. Also check Coventry's 2.75% fix with access. Full info: Top Cash ISAs DIY discounts for the bank holiday. Homebase 15% off | Wickes £10 off £50 / £20 off £100. See all DIY Deals. |
5% savings loophole
Grab bank accounts' high interest rates for switchers... even if you don't actually fully switch to them A range of Top Bank Accounts now offer huge savings rates as loss-leaders to get you to switch to them. This is welcome relief for savers, and some can even be accessed without switching all your banking over - if you're prepared to dance. - The top-paying bank accounts. Boost your savings by simply switching your banking to the deal that pays most. For big savers, Santander 123's* 3% interest + cashback wins, for smaller savers TSB*'s 5% or Lloyds' 4% win.
THE TOP CURRENT ACCOUNT SAVINGS INTEREST
For comparison, the top easy-access savings deal pays just 1.5%. | | In-credit interest (AER) | After basic tax (1) | After higher tax (1) | Max
interest/yr (2) | Must do standing order / direct debit? (3) | Min monthly pay-in | How many can you have? | | Santander 123*(4) | 3% on £3,000-£20,000 | 2.4% | 1.8% | £450 (after fee) | Yes, min 2 | £500 | 2 (1 must be joint) | | Club Lloyds | 4% on £4,000-£5,000 | 3.2% | 2.4% | £157 | Yes, min 2 | £1,500 | 2 (1 must be joint) | | Nationwide FD* | 5% up to £2,500 for 1yr (5) | 4% | 3% | £98 (year 1) | No | £1,000 | 2 (1 must be joint) | | TSB Classic Plus* | 5% up to £2,000 (6) | 4% | 3% | £78 | No | £500 | 4 (2 must be joint) | | Halifax* | £5/mth (7) | £5/mth | £3.75/mth | £60 | Yes, min 2 | £750 | 2 (1 must be joint) | | (1) At the highest rate paid. (2) After basic tax if you always held the max balance. (3) Can't usually be to another account of yours. (4) £2/mth fee, but pays cashback that for most more than covers it. (5) 1% after. (6) Must register for online banking. (7) Paid regardless of amount, as long as you're in credit. FULL info: Best Bank Accounts | - How to use them just to save. To qualify, TSB* just says pay £500/mth in, Nationwide* £1,000/mth, neither require you to set up regular payments from them. So it's totally legit to open one, set up a monthly standing order from your normal bank for the key amount, then use another standing order to move it back the next day.
Opening multiple accounts can mean up to £8,000 saved in TSB, £5,000 in Nationwide via a schedule of standing orders to move cash around to meet the terms, see step-by-step help. Each account application means a credit search that can hit your credit score in the short term, so beware if you need credit soon, eg, for a mortgage. back to top ↑ |
| Reminder. Shift debts to 31mths 0%. Those with credit card debts should try to cut costs balance transferring to a new card that pays off debt at a cheaper rate. Accepted new Barclaycard* customers can shift to it at 31mths 0% for a 2.99% fee. MBNA* is 30mths 0% with a 2.89% fee (you can move overdrafts for a 4% fee). If you can repay quicker, Lloyds* at 24mths 0% has a lower 1.5% fee. Repay in full or shift again before the 0% ends or they jump to 18.9%, 20.9% & 17.9% representative APR. Check which you're most likely to get with our Balance Transfer Odds Checker. Full help: Balance Trans 34p European travel adapter delivered. Plug your UK devices in when in Europe - ridiculous price. Hot Bargains FLASH 24hr De Vere £25 UK hotel sale. 1,000 rooms across 24 De Vere Venues (starts 10am Thurs). Hotel Sales |
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| Forest Pansy tree £7 delivered. MSE Blagged. Next cheapest we've seen is £14. 4,000 available. T&M Deals Flash 1-DAY London up to 20% off at Jack Wills, Diesel, Levi's, Havaianas, etc. This Thurs, get a voucher for more than 100 Soho stores, restaurants and bars. Also includes Nike and American Apparel. Carnaby Offers |
Are you overpaying on car insurance? It's DOWN 16%
How to take advantage of the price drop EVEN IF YOU'RE NOT AT RENEWAL. Some can save £100s The AA's quarterly car insurance index shows prices down 16% over a year, to an average £531, and down 20% for 17-22 year-olds, though that's still £1,160. Check if you're locked into a mega price. Full help in Cheap Car Insurance, a taster...  You don't have to be at renewal to save. If you haven't claimed, you can usually cancel existing policies and get a refund for the rest of the year for a c.£50 fee. For big savings, it's worth it, eg, forumite Tenuissent says: "I cancelled my £685 Saga cover, got similar £327 AA cover." But you won't earn this year's no-claims.- How to quickly find your cheapest. Two steps get you max quotes in min time.
a) Combine comparison sites: Different sites look at different insurers, so combine. Our current top order is MoneySupermarket*, Gocompare* & Confused* (try opening each in a different tab to fill them together).
b) Check the ones they miss: Two big competitive insurers, Aviva* & Direct Line*, are missed. Plus comparisons only do one vehicle, so check Admiral MultiCar* + Churchill*, Direct Line* & Privilege* give multi-car discounts. - Tricks that can slash your costs further. It's not just about who insures you, but what you insure.
- Add a responsible older motorist as 2nd driver. Even if they won't often drive your car, it can lower costs. Mazzyb5 tweeted us: "Took your advice, added my mum, saved £500." See more Young Drivers' Car Insurance Tips.
- Third party isn't always cheapest. Just selecting comprehensive makes some insurers consider you lower risk.
- Tweak your job title. Small reasonable tweaks may save, eg, bar staff > bar steward. See Car Insurance Job Picker.
- Young driver or don't drive much? If you can't get a cheap standard price, consider fitting a telematics 'black box'. It monitors how you drive and can mean big savings. See Top Telematics. back to top ↑ |
| FREE one-day Arriva local bus travel till Dec. On entire Arriva network via app (excl central London). Arriva CODES: Tesco Direct £20, Burton 25% off, Lidl £5, Boots £10, etc...
Tesco Direct £10 off £75+, £20 off £150+ works on iPads, Kindles, etc | Burton 25% off code/vch | Boots £10 off £80
Charles Tyrwhitt £10 off £30 Blagged | F&F Clothing £10 off £50 | Lidl £5 off £35 vch via Facebook | ALL Discount Vouchers £1 Nail Rock special effects (up to £7 elsewhere). Blings nails with stickers & pearls. Poundland Show Best Buys
FREE £7.50 tix to London V Delicious, Love Organic, Allergy Free & The Back Pain show. MSE Blagged. One ticket gets access to all 4 shows at Olympia, London (4-6 Jul), via links, usually £7.50-£10. ALL Ticket Deals. '£15 Sun hols' are back. Collect 8 tokens/passwords for 280 parks across UK & Europe. '£15 Sun Holidays' |
It's eBay bargain season - 40 tricks for better deals
After the Easter clearout & low-cost listing days, there are a glut of bargains on the mammoth auction site Low-cost listing and spring cleaning means our eBay specialist MSE Jenny is seeing more deals there than usual. If you've been waiting to find something, don't just bid - use her cutting-edge 40 eBay Buying Secrets guide. Key points...  Free eBay Local Deals tool and apps. From PS3s to bass guitars to designer sofas, sellers often specify items are 'collection-only', meaning fewer competing bids and serious bargains. You can't search for 'em on eBay, so we built the free Local eBay Deals Mapper, iPhone App and Android App to help you locate 'em.
As Silver_Lining says: "Used the app and won two Le Creuset cast iron saucepans for £24. Should've been over £50 each second-hand, or about £80 each new."
- eBay buying tools. Technique matters as much as taste - it's about understanding listings' psychology.
- Exploit speiling mistakes. Typos meanz fewer peeple serching, so cheep prices. A host of mistake spotters trawl eBay for all possible spelling mishtake combinationes.
- Be a sniper. Bid early and rival bidders force the price up. Sniping tools auto-bid for you in the last 10 secs.
- Bag 99p items. Often sellers start at 99p, wanting a bidding war. A 99p spotter tool finds no-bid deals.
- Find auctions closing at 3am. Anti-social end times get fewer bids - a night-time bargain tool cruises for these.
- It's not just about eBay - buy stolen goods on the cheap. eBay isn't the only place to land bargains.
- Buy stolen goods on the cheap. Don't worry, it's all legal via police auctions, where forces in England & Wales use an eBay-style site to sell lost property or goods seized from criminals when they can't find the rightful owner.
- FREE full Preloved membership. Many MoneySavers rave about local classified site Preloved. To get first dibs on bargains, you need full membership, usually £5/yr, yet we've blagged 3mths' free membership* until 10 May. back to top ↑ |
| Wed only: M&S Outlet EXTRA 20% off online sale. Items already up to 50% off now reduced further. M&S Morrisons 6p/L off fuel with £40 spend. Till Sun. Joins Tesco up to 20p/L & Sains 10p/L with £60 spend. Petrol
Show Best Buys |
| Show Vouchers and Top Deals |
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 New MSE Charity Grants: For consumer or finance empowerment projects by charities. The latest funding round opens on Thurs. Only the first 40 applications that meet the criteria are considered and those with an annual income below £500,000 will get priority. Full info at The MSE Charity. Related: MSE's Charity Fund, How This Site's Financed CAMPAIGN OF THE WEEK
Ever bought a used car? Do you know what a logbook loan is?
Citizens Advice is pushing for more rights for consumers caught out by this costly form of credit. It's a type of loan usually attached to cars, and the numbers using them have accelerated in the past few years. Problems occur when the car is sold with the loan still attached, and unwitting buyers lose the lot. If you've ever bought a used car, please take this super-quick survey (scroll down to 'take action') or discuss your car conundrums in the MSE Forum. BOOK GIVEAWAY
Cabana: The Cookbook. 25 £20 books blagged for MoneySavers. Want one? MONEY MORAL DILEMMA
My friend got caught by a speed camera giving me a lift - should I pay his fine?
This week's MoneySaver who wants advice asks... A friend of mine was giving me a lift one night, and was caught by a fixed camera and given a speeding fine. As he was going out of his way to drop me off, should I pay his fine? Enter the Money Moral Maze: Should I pay my friend's speeding fine? | Suggest an MMD | View past MMDs THE GREAT HUNT
Your tips for buying a repossession property
If you're buying a home, you can find some bargains if you buy a place that's been repossessed - if you've done it, we want to tap your knowledge for tips. Any suggestions for new buyers? What tactics did you use? And if things aren't working out, when is it time to walk away? Share yours/read others': Repossession properties Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Aer Lingus Price: Ireland from £19.99 one-way Ends: Sun 11 May
Our pick this week is Aer Lingus's offer for flights between Sun 1 Jun and Sun 31 Aug to five Irish destinations from 15 UK airports. It ends on Sun 11 May and includes taxes and charges. There's no code to enter, the discount appears automatically. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance THE GREAT HUNT... REVEALED
MoneySaving holidays - your UK and worldwide hidden hostel gems
Hostels aren't all about dodgy, smelly dorms - and your responses proved you can enjoy a restful stay in a clean room for a fraction of the price of nearby hotels in the UK and worldwide. Your tips included a lighthouse in California, nights under the stars in Australia, a roof garden in Barcelona and closer-to-home bargains in Bath and Edinburgh. Happy travelling. back to top ↑ |
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Martin's blogs | Martin's appearances 1 May
Good Morning Britain, ITV, 6am-8.30am.
Deals of the Week. | 1 May
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast. | |
MSE team corner - Team blogs:
- No blogs this week.
- Team appearances:
- No team appearances this week.
| Discussion of the week I appreciate the thought, but... Grandchildren are often the apple of their grandparents' eyes - but what happens when they buy the kids too many toys? One forumite wants to know how to broach the issue with her mother-in-law in the I appreciate the thought, but... discussion. Why not join in and offer your opinion. | Cheap travel money |
This week's poll: Are wind farms an aye-aye or an eyesore? The Prime Minister is blowing cold on on-shore wind farms, having once been full of hot air about pushing for renewable energy sources. The Conservative Party says it won't subsidise any new wind farms if it wins the next election. They argue the UK is on track to meet its wind power targets, but critics argue this policy is to appease those who think the tall white turbines blight our landscape. So we want to test your views. Which of these options is closest to your opinion? | Poll results Is your energy company's service any good?
Across its different brands, SSE tied with EDF for good service among the big six, with Npower picking up the wooden spoon.
- 55% said SSE's service was good.
- 55% EDF.
- 53% E.on.
- 38% British Gas.
- 33% Scottish Power.
- 16% Npower.
5,820 voted. See the full results. |
| Q: I moved into a rented property in November and paid a hefty deposit. The landlord ignores all of my requests to provide me with my deposit protection information - what can I do? Claire, via email. MSE Wendy’s A: Assuming your landlord isn't using one of the three deposit protection schemes, if you live in England or Wales, they're well over the 30 days they have to put your money into one (as well as giving you confirmation and letting you know where it is). Though live-in landlords don't need to use one. Contact the three schemes to check if one has your money (or use this Shelter tool that checks all three). If one does, you can use its dispute resolution service to force your landlord to meet their legal obligation, and maybe compensate you for their poor behaviour.
If none of the schemes have your cash, you can take county court action. First, write a formal letter to your landlord telling them what you want. Include the fact you're considering court action. If you decide to continue the court can force your landlord to put your deposit into a protection scheme, give your deposit back, or even give you compensation of up to three times your deposit. See our 50 Renting Tips for more of your rights. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: Ball Drop |
Pathé News's entire newsreel archive now online That's it for this week, but before you go, fancy seeing Arnold Schwarzenegger win Mr Universe, the Wright Brothers' first flight, and a woman dancing above New York on a tightrope? More than 85,000 newsreels have just been put online - from historical events to the weird and wacky. See the British Pathe archive. Enjoy. We hope you save some money, Martin & the MSE team |
| Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.
What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com?
Founded in February 2003, it's now the UK's biggest consumer help website with over 9 million people getting this email and nearly 13m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE Who is Martin Lewis? Martin set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Daybreak, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography What do the links with a * mean? Any links with a * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the product at all and the editorial line (the things we write) isn't changed due to it. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See how this site is financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:
Unaffiliated web-addresses for links in this email nationwide.co.uk, halifax.co.uk, santander-products.co.uk, lloydsbank.com, moneysupermarket.com, ybonline.co.uk, thechelsea.co.uk, google.co.uk, lcplc.co.uk, gocompare.com, confused.com, aviva.co.uk, directline.com, admiral.com, churchilltreat.co.uk, privilege.com, barclaycard.co.uk, lloydsbank.com, hitachipersonalfinance.co.uk, sainsburysbank.co.uk, comparethemarket.com, postoffice.co.uk, productsandservices.bt.com.
Financial Conduct Authority (FCA) Note Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ. To change your E-mail or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips |
