Polar Money Tips, Bi-Monthly Money Savings Guide
Polar Money Tips – Issue 11
Welcome to the issue 11 of the weekly Polar Money Tips newsletter. Have you ever dreamt about buying a holiday home but feel it is out of your reach? Or maybe you’ve always wanted to buy a classic car but haven’t got the money? Well, in this special one-off Loans edition we explain how you can get a loan for just about anything .. read on!

POLARLOANS SPECIAL EDITION

POLARLOANS SPECIAL EDITIONNowadays you can get a loan for just about anything, for buying a boat to paying for a holiday. Here we take a look at some of the usual and not so-so-usual types of loans available..you’ll be surprised!


Holiday Home Purchase
If you looking to buy a holiday home, there are loans available to help you realise your dream! By getting a secured loan to buy your second property, you don’t have to worry about getting a mortgage from abroad and the whole process is a lot easier.

Visit www.holidayhome.co.uk to get a taste for holiday properties.

Land Purchase
Have you ever wanted to buy a piece of land, maybe to build a house on or perhaps your very own piece of woodland which you can enjoy? Well, now loans are available from selected lenders for land purchase, so if you want to be a landowner, why not consider a loan?

Check out: http://www.woodlands.co.uk and http://www.plotfinder.net to see land and woodland for sale

Debt Consolidation
Consolidation loans are the number 1 reason why people take out a loan as, if it is done properly, you are left with lower interest charges and lower monthly payments. This is because your consolidation loan should reduce the amount of interest you are currently being charged.

And by paying lower interest charges, you’ll also be saving money in the short term as well as having one manageable monthly outgoing as opposed to a myriad of monthly demands.

Visit our free Loan Calculator at the foot of our home page and enter in the amount of debt you currently have, selecting how long you’d like to repay the loan for. A monthly repayment figure will then be displayed – compare this to your current monthly repayments and you’ll have a good idea as to whether a debt consolidation loan could be right for your circumstances.

Business Loans
Recent research has identified that more and more people want to take out a business loan so that they can work for themselves. However, until now, many were unable to get the finance to turn their dreams into reality.

This could be because they didn’t have adequate Accounts, experience or because their bank was prepared to only lend them a small amount of start up capital.

However, there are loans available to help you become your own boss and, with some providers, you can borrow up to £75,000! Visit www.businesslink.gov.uk for more information on starting up your own business.


Home Improvement
The second most popular reason for applying for a loan is for home improvements as it works out more cost effective than running up an overdraft, credit card debts, or taking store credit etc. Whether you are looking to give your home a new lease of life with a lick of paint or new furniture or carpets, a home improvement loan will also allow you to ‘go large’ and get a conservatory, a landscaped garden or a loft conversion!

Websites to tickle your fancy.. conservatories at www.balticpine.co.uk; garden design at www.applegategardens.com ; loft conversions at www.econoloft.co.uk

A loan for your big day
With research showing that the average wedding now costs around £14,000 many couples are putting off getting married until they have saved enough money or ‘making do’ with a smaller affair.

However, there are ways that you can get the wedding of your dreams and without breaking the bank! Wedding loans aren’t necessarily expensive and can give you that financial boost right when you need it.

For money saving ideas on your Wedding, download our Guide to Cutting Wedding Costs here . For more about weddings, visit www.confetti.co.uk

Get a new set of wheels!
If you are looking for a new or used car and you need finance, taking out a car loan is probably the easiest way of raising the money. Not only will it put you in the position of being a ‘cash buyer’ but you’ll probably pay less than if you took out a car dealer or manufacturer finance scheme.

Visit motoring website www.motorcarloans.com for all things motoring related.


Take a quick trip to marbles

If a marbles credit card were a city it’d be Barcelona – funky, cosmopolitan, nice to look at and decent value for money.

You get an excellent 0% pa fixed for 6 months from account opening on balance transfers, plus a fantastic 0.5% cashback on all purchases. Once the six months are up, it will revert to a variable rate. Typical **11.9% APR** (variable). So just apply now.

You also get cool stuff like free travel accident insurance* and exclusive offers from our travel partners as well as up to 52 days' interest free credit and of course no tedious annual fee.

For a decision in principle in 60 seconds, as well as more info about marbles, click here

Important, please read the following information before you apply. marbles credit card is issued by HFC Bank Limited and is only available to persons aged 21 or over, who are resident in the U.K. or Channel Islands and who are not already (or have not recently been) marbles card account holders and is subject to status and conditions. If you do not qualify for a marbles credit card, we may, with your specific permission only, pass on your details to other divisions of HFC Bank Limited, who may be able to offer you an alternative credit card product. Written quotations are available on request from marbles, PO Box 3615, Birmingham B3 2RJ. marbles and marbles card are trading names of HFC Bank Limited. HFC Bank Limited is a member of the Financial Ombudsman Scheme (further details are available upon request) and is regulated by the Financial Services Authority. *Terms and Conditions apply.


MONEY SAVING SNIPPET – always check your bank statements


MONEY SAVING SNIPPET – always check your bank statements
With millions of bank transactions being processed every single day, there is always room for error. Did you know that if a bank mistakenly charge you for something, you can get at least £300 in compensation? Therefore, always take time out to check yours when they arrive. Visit www.chargechecker.co.uk for more information



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In This Issue:

  1. POLARLOANS SPECIAL EDITION

  2. Take a quick trip to marbles

  3. MONEY SAVING SNIPPET

Polar Services

PolarLoans

Polar Mortgages

Polar Insurance


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