Advantages: flexible, available for 95% mortgages, interest calculated daily, no arrangement fee, no indemnity premium, no tie in period, online/ telephone 24hrs Disadvantages: lacks personal touch, not available for 100% mortgages, (mortgage deeds not stored), may not suit older persons i.e. up to 65 years due to age restrictions
banks now offer attractive flexible mortgages with no tie-in periods though many still charge arrangement fees. There may even be a few appetisers offered such as cashbacks, free valuations etc though you may end up paying literally thousands and thousands more than you really need to.
Intelligent Finance fitted my criteria nicely; it’s flexible, currently offers one type of basic ‘variable rate’ mortgage with a competitive APR (variable basically means the interest rate fluctuates loosely in line with Bank of England’s base rate), no arrangement fees, no penalties and is available for 95% mortgages yet allows freedom to design your mortgage to meet your lifestyle and demands, and one that can save you money too! When making my decision it was comforting to know Intelligent Finance [IF] does have a big name behind ...
Advantages: Good rates of interest, all products with one bank Disadvantages: No high street branches
When I got my first internet enabled computer nearly three years ago, I decided to go mad and apply for many different credit cards on many different websites. Most refused me, but one that accepted was Intelligent Finance. I was, well to put it simply, chuffed to be accepted for my first credit card and decided to open a current and savings account at the same time.
The Bank
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Launched in 2000, Intelligent Finance is a web and phone based bank, so there are no high street branches. However, as a division of Halifax PLC they do have big name backing, which as I'm sure you realise, makes for piece of mind.
The Website
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The web site is clearly laid out in quite eye pleasing purple tones. There are links to all the products, with demonstrations of how much you could save if you switch accounts ...
an article I read, Janet was named the second most successful recording artist of the 1990s. I don't find this hard to believe but I still think she is perhaps not as famous or successful (or should I can iconic) as other female artists such as Madonna or Mariah Carey who I think it would be fair to compare her with. Jackson is ranked by Billboard magazine as one of the top ten best-selling music artists in the history of contemporary music, having sold over 100 million albums worldwide. The Recording Industry Association of America lists her as the eleventh best-selling female artist in the United States, with 26 million certified albums.
My favourite album of hers is Design of a Decade 1986/1996, so called because it spans a decade of her work. I like it because it's a compilation album and contains some of her. It's probably best described as ...
![Gatecrasher's Club Anthems 1993-2009 [Digipak] - Various Artists](http://imagesb.ciao.com/iuk/images/products/small/861/prod_small-7337861.jpg)
![Ministry Of Sound Anthems (1991-2008) [Digipak] - Various Artists](http://imagesa.ciao.com/iuk/images/products/small/406/prod_small-6791406.jpg)
