| Please note that the Best Buys list has not been updated since 4th September 2005 | |||||
| Do not depend on it for up to date information until further notice! | |||||
| Sunday Tribune/Askaboutmoney.com Best Buys For 4th September 2005 | |||||
| SAVINGS | |||||
| NOTICE ACCOUNTS | |||||
| Institution | CAR | Notice | Min Balance | ||
| Anglo Irish Bank | 2.65% | 30 days | €1,000 | ||
| Northern Rock | 2.50% | 60 days | €1,000 | ||
| Irish Nationwide | 2.38% A | 7 days | €20,000 | ||
| Northern Rock | 2.15% | 30 days | €1,000 | ||
| INSTANT ACCESS | |||||
| Institution | CAR | Notice | Min Balance | ||
| Northern Rock | 3.05% B | None | €1,000 | ||
| RaboDirect | 3.00% B | None | €1 | ||
| First Active | 2.50% C | None | €20,000 | ||
| Anglo Irish Bank | 2.00% | None | €2,000 | ||
| Northern Rock | 1.85% | None | €1,000 | ||
| DIRT-FREE | |||||
| Institution | CAR | Term | Min Balance | ||
| An Post Savings Certs | 2.74% | 5.5 years | €50 | ||
| An Post Savings Bonds | 2.60% | 3 years | €100 | ||
| Bank of Ireland | 2.00% | 5 years | €3,000 | ||
| Bank of Ireland | 2.00% | 3 years | €3,000 | ||
| A = Up to 2.63% for larger amounts | |||||
| B = Internet-only account | |||||
| C = Drops to 2% after six months | |||||
| HOME LOAN DEALS | |||||
| LESS THAN 60% OF PROPERTY VALUE | |||||
| Lender | APR | Nominal Rate | Cost/€'000 | ||
| National Irish Bank | 2.80% | 2.79% | €5.44 | ||
| AIB Bank | 2.99% | 2.95% | €5.52 | ||
| Ulster Bank | 3.00% | 2.95% | €5.52 | ||
| Bank of Ireland | 3.00% | 2.95% AC | €5.52 | ||
| ICS Building Society | 3.00% | 2.95% AC | €5.52 | ||
| First Active | 3.00% | 2.95% B | €5.52 | ||
| IIB Homeloans | 3.00% | 2.95% CDE | €5.52 | ||
| MORE THAN 60% OF PROPERTY VALUE | |||||
| Lender | APR | Nominal Rate | Cost/€'000 | ||
| Bank of Ireland | 3.10% | 3.10% AC | €5.59 | ||
| ICS Building Society | 3.10% | 3.10% AC | €5.60 | ||
| AIB Bank | 3.10% | 3.10% B | €5.59 | ||
| Permanent TSB | 3.10% | 3.10% B | €5.60 | ||
| IIB Homeloans | 3.17% | 3.10% B | €5.60 | ||
| Ulster Bank | 3.20% | 3.15% | €5.62 | ||
| FIXED RATE FOR THREE YEARS | |||||
| Lender | APR | Nominal Rate | Cost/€'000 | ||
| National Irish Bank | 3.50% | 3.35% | €5.72 | ||
| IIB Homeloans | 3.54% | 3.49% | €5.79 | ||
| Bank of Ireland | 3.60% | 3.49% C | €5.79 | ||
| ICS Building Society | 3.60% | 3.49% | €5.79 | ||
| Permanent TSB | 3.60% | 3.49% C | €5.79 | ||
| First Active | 3.60% | 3.54% C | €5.82 | ||
| Irish Nationwide | 3.60% | 3.55% C | €5.83 | ||
| FIXED RATE FOR FIVE YEARS | |||||
| Lender | APR | Nominal Rate | Cost/€'000 | ||
| National Irish Bank | 3.60% | 3.65% | €5.88 | ||
| IIB Homeloans | 3.69% | 3.79% | €5.95 | ||
| Ulster Bank | 3.70% | 3.79% | €5.95 | ||
| Permanent TSB | 3.70% | 3.79% | €5.95 | ||
| Bank of Ireland | 3.80% | 3.85% | €5.97 | ||
| ICS Building Society | 3.80% | 3.85% | €5.97 | ||
| Irish Nationwide | 3.80% | 3.98% C | €6.05 | ||
| EBS Building Society | 3.70% | 3.99% | €6.05 | ||
| A = Mortgage more than €200,000 | |||||
| B = Mortgage more than €250,000 | |||||
| C = New business only | |||||
| D = Mortgage more than €300,000 | |||||
| E = Up to 75% of property value | |||||
| HEALTH INSURANCE | |||||
| GROUP RATES AFTER TAX RELIEF | |||||
| Company | Adult | Child/Student | Child/Student | ||
| Vivas We Plan Level 2 | €421.20 | €105.30 A | €80.10 B | ||
| BUPA Essential Plus | €477.77 | €170.56 | €170.56 | ||
| VHI Plan B | €484.02 | €203.29 C | €176.17 | ||
| A = 1st child/student | |||||
| B = 2nd & 3rd child/student, others free | |||||
| C = Full time student aged 18-21 | |||||
| See also http://www.hia.ie | |||||
| BORROWING | |||||
| PERSONAL LOANS | |||||
| €6,000 FOR 3 YEARS | |||||
| Lender | APR | Monthly Repayment | Loan Type | ||
| Tesco Personal Finance | 8.90% | €189.52 | Fixed | ||
| National Irish Bank | 8.90% | €189.66 | Fixed | ||
| AIB Bank | 9.80% | €190.86 | Variable | ||
| Premier Direct | 9.60% | €191.30 | Variable | ||
| €10,000 FOR 5 YEARS | |||||
| Lender | APR | Monthly Repayment | Loan Type | ||
| Tesco Personal Finance | 7.90% | €200.84 | Fixed | ||
| National Irish Bank | 8.10% | €201.66 | Fixed | ||
| Permanent TSB | 8.90% | €205.64 | Variable | ||
| Ulster Bank | 9.00% | €204.73 | Fixed | ||
| CREDIT CARDS | |||||
| Introductory Rates | Balance transfers | Purchases | Introductory Period | ||
| Ulster Bank | 0% | 0% | 9 months | ||
| Tesco Visa | 0% | 0% | 6 months | ||
| National Irish Bank | 0% | 0% | 5 months | ||
| Standard Rates | APR Purchases | APR Cash | FX Charge | ||
| AIB Platinum | 6.90% A | 6.90% A | 1.75% | ||
| Permanent TSB Ice | 9.90% | 11.60% | 1.75% | ||
| One Direct Gold | 10.90% | 12.60% | 2.65% | ||
| National Irish Bank Gold | 11.90% | 14.20% | 1.75% | ||
| Ulster Bank Zinc | 12.90% | 14.70% | 2.00% | ||
| A = 10.50% after 12 months | |||||
| BANK OVERDRAFTS | |||||
| Lender | APR Authorised | APR Unauthorised | Facility Fee | ||
| National Irish Bank | 10.80% | 16.80% | €20.00 | ||
| Permanent TSB | 13.00% | 19.00% | €20.00 | ||
| AIB Bank | 13.40% | 22.40% | €25.39 | ||
| Ulster Bank | 13.60% | 22.60% | €15.00 | ||
| See also http://www.ifsra.ie | |||||
| BUY-TO-LET MORTGAGES | |||||
| Lender | Rate | Max Loan/Value | Cost/€'000 | ||
| IIB Homeloans | 3.25% | 80% | €5.67 | ||
| First Active | 3.30% | 85% | €5.69 | ||
| Bank of Ireland | 3.30% | 60% | €5.69 | ||
| ICS Building Society | 3.30% | 60% | €5.70 | ||
| EBS Building Society | 3.50% | 75% | €5.80 | ||
| TOP PERFORMING PENSIONS* | |||||
| Fund Manager | 1 year | 3 years | 5 years | ||
| Eagle Star | +22.10% | +10.30% | +1.90% | ||
| Irish Life | +21.00% | +11.30% | +3.10% | ||
| Standard Life | +20.40% | +10.50% | +1.10% | ||
| AIB Investment Managers | +19.90% | +8.80% | -0.70% | ||
| * Past performance is not a guide to future returns | |||||
| EXECUTION-ONLY STOCKBROKING | |||||
| €5,000 SHARE TRADE | |||||
| Stockbroker | Commission | Minimum | Annual fee | ||
| Sharewatch.com | €50 | €50 | Nil | ||
| Davy (online) | 0.75% | €25 | €80 | ||
| Fexco | 1.25% | €33 | €40/€50 | ||
| Goodbody (online) | 1.25% | €32 | €26 | ||
| E&OE | |||||