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Personal finance

Ten ways to pay less tax

YOU can't make tax bills disappear altogether, but we may be able to help you pay a lot less.

Martyn Hocking, editor of Which? Money, gives his ten top tips on how to keep as much of your hard-earned pay packet for yourself.

 


Select Type:
Card Rate Duration BT Fee Typical APR
Virgin Credit Card 0% 16 mths 2.98% 16.6%
Capital One Low Rate Balance Transfer 5.5% Until 01/01/2011 1.7% 15.9%
Capital One Low Rate Platinum 6.5% Until 01/01/2011 HASH(0x149b8404) 15.9%
Capital One Fixed Rate Card 8.5% Until 01/08/2012 0.0% 8.5%
Card Rate Duration Typical APR
Capital One Low Rate Balance Transfer 0% Until 01/05/2009 15.9%
Card BT Duration Intro Duration APR
Virgin Credit Card 16 mths 6 mths 16.6%
Capital One Low Rate Balance Transfer Until 01/01/2011 Until 01/05/2009 15.9%
Capital One Low Rate Platinum Until 01/01/2011 Until 01/05/2009 15.9%
Capital One Fixed Rate Card Until 01/08/2012 HASH(0x149d0f4c) 8.5%
Card Typical APR Interest Free Days BT Fee
Capital One Fixed Rate Card 8.5% 56 0.0%
Card Cashback Notes
American Express Platinum Cashback 5% cashback for 3 months
Card Typical APR Interest Free Period
Capital One Classic 34.9% 56
Monument 34.9% 56
The Vanquis Visa Card 39.9% 56
Fees may apply
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Card Typical APR Minimum Amount Maximun Amount
Halifax Personal Loan (Semi-exclusive) 8.6% £7000 £13000
Bank of Scotland Personal Loan (Semi-exclusive) 8.6% £7000 £13000
Alliance & Leicester Personal Loan 8.7% £7500 £15000
Card Typical APR Minimum Amount Maximun Amount
Platinum Exclusive Loan 7.8% 11.4% £10000
Ocean Finance 9.6% 15.9 £10000
Card Typical APR Minimum Amount Maximun Amount
Creditplus Car Finance 17.9% £2500 £25000
Fees may apply
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Provider Product Interest (AER) O/D Rate O/D Buffer
ALLIANCE & LEICESTER PLC Premier Direct Current Account 8.5% 0.00% n/a
ABBEY The Abbey Account (Preferred In-credit Rate) 6% 19.90% n/a
COVENTRY BS Coventry First 5.1% HASH(0x149b84e8) £250
Provider Product Interest (AER) O/D Rate O/D Buffer
ALLIANCE & LEICESTER PLC Premier Current Account 0% for 1st 12 mths, then 50p a day max £5 per mth - -
ABBEY The Abbey Account (Preferred Overdraft Rate) 0% for 1st 12 mths, then 12.9% EAR - -
FIRST DIRECT 1st Account £250 Interest Free, then 15.9% EAR over £250 - -
Provider Product Interest (AER) O/D Rate O/D Buffer
ALLIANCE & LEICESTER PLC Premier 50 Current Account 8.5% £10 per month -
HSBC BANK PLC HSBC Plus 6% £12.95 per month. -
CITIBANK Citibank Plus Account 0.1% £10 per month. -
Provider Product Interest (AER) O/D Rate O/D Buffer
ALLIANCE & LEICESTER PLC Premier 21 Current Account 10% 0.00% -
Provider Product Interest (AER) O/D Rate O/D Buffer
ALLIANCE & LEICESTER PLC Premier 50 Current Account 8.5% £10 monthly account fee. -
Provider Product Interest (AER) O/D Rate O/D Buffer
THE CO-OPERATIVE BANK PLC Current Account Plus 0% n/a -
Provider Product Interest (AER) O/D Rate O/D Buffer
ARRAY(0x149b1374) Think Banking Managed Account 2% £12.50 per month. -
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Provider Account AER* Minimum Investment
ICICI BANK HiSAVE Savings Account 5.50% No
PRINCIPALITY BS e-SAVER 5.35% No
ANGLO IRISH BANK Easy Access Account Issue 2 5.25% No
FIRST DIRECT Everyday e-Saver 2.75% No
ALLIANCE & LEICESTER Online Tracker 4.75% No
BRADFORD & BINGLEY eSavings 6 4.60% No
SAINSBURYS FINANCE Internet Saver 4.00% No
ALLIANCE & LEICESTER eSaver - Issue 2 5.00% Yes
POST OFFICE Instant Saver 3.75% Yes
Provider Account AER* Minimum Investment
ANGLO IRISH BANK 1 Year Fixed Rate Bond 5.75% £500
ICICI BANK HiSAVE Fixed Rate Account 5.75% £1000
YORKSHIRE BUILDING SOCIETY E-Bond 5.58% £100
ICICI BANK HiSAVE Fixed Rate Account 5.42% £1000
ICICI BANK HiSAVE Fixed Rate Account 5.00% £1000
Provider Account AER* Minimum Investment
HSBC BANK PLC Cash e-ISA 4.25% £1
Provider Account AER* Minimum Investment
ANGLO IRISH BANK 7 Day Notice Account Issue 2 5.40% £1
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The homes with £1 price tag

A DETERMINED couple have snapped up two historic buildings at the gateway to Manchester's Philips Park for just £1.

Be credit card smart

THE difference between the best and the worst deals on credit cards can be pretty big.

 

Compensation schemes

THERE are compensation schemes for when banks go belly-up. Martyn Hocking, editor of Which? Money, explains them.

Protect your pets

CHEAP pet insurance is a false economy, but you don't need to break the bank to protect yourself against vets' bills, writes Martyn Hocking, editor of Which? Money. 

 

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