National Westminster Bank-Black Credit Card

How will it transform your life?
The most complex plans realised with a simple call. Hectic travel schedules made more human, with executive lounge access and detailed itineraries. And that is only the beginning.
As you might expect, a card with this many benefits is not for everyone. The NatWest Black Card is only available to people over 25 years of age and typically have an income of £75,000 or more. However, we may accept your application if your income is less than this, provided we are satisfied you can repay the minimum £15,000 credit limit, subject to our standard credit assessment.
The benefits of a NatWest Black CardThis is far more than simply a convenient way to pay – even with the minimum £15,000 credit limit.
Personal assistant – put your plans into action 24 hours a day, with our concierge service Airport lounge access – a Priority Pass™ card will transform your journeys Travel insurance – annual, worldwide cover with a five star rating from Defaqto, an independent financial research companyRates and charges of a NatWest Black CardTypical 51.8% APR (variable). We draw to your attention that the typical APR has been calculated under the Consumer Credit Act regulations which require us to use a £1,500 ‘notional’ credit limit. The £1,500 limit coupled with the £250 fixed annual card fee distorts the advertised APR.
This is illustrated by comparison with the 16.8% APR calculated using the minimum credit limit of £15,000 on NatWest Black Card, as reflected in your card agreement.
Please note that the annual interest rate of 12.420% on your NatWest Black Card remains unchanged. We are not increasing the cost of using your Black Card but are simply complying with regulations.

More: www.natwest.com

National Westminster Bank-Black Credit Card

How will it transform your life?
The most complex plans realised with a simple call. Hectic travel schedules made more human, with executive lounge access and detailed itineraries. And that is only the beginning.
As you might expect, a card with this many benefits is not for everyone. The NatWest Black Card is only available to people over 25 years of age and typically have an income of £75,000 or more. However, we may accept your application if your income is less than this, provided we are satisfied you can repay the minimum £15,000 credit limit, subject to our standard credit assessment.
The benefits of a NatWest Black CardThis is far more than simply a convenient way to pay – even with the minimum £15,000 credit limit.
Personal assistant – put your plans into action 24 hours a day, with our concierge service Airport lounge access – a Priority Pass™ card will transform your journeys Travel insurance – annual, worldwide cover with a five star rating from Defaqto, an independent financial research companyRates and charges of a NatWest Black CardTypical 51.8% APR (variable). We draw to your attention that the typical APR has been calculated under the Consumer Credit Act regulations which require us to use a £1,500 ‘notional’ credit limit. The £1,500 limit coupled with the £250 fixed annual card fee distorts the advertised APR.
This is illustrated by comparison with the 16.8% APR calculated using the minimum credit limit of £15,000 on NatWest Black Card, as reflected in your card agreement.
Please note that the annual interest rate of 12.420% on your NatWest Black Card remains unchanged. We are not increasing the cost of using your Black Card but are simply complying with regulations.

More: www.natwest.com

Reliance Bank Limited-Visa Debit Cards

“a card which supports your lifestyle”
Reliance Bank Visa Debit card is accepted worldwide and gives you the freedom to pay for goods and services at over 20 million places and 150 countries. So, whether you are at home, in the high street, or abroad……be assured that this card offers you financial security and peace of mind.

Immediate access to your funds, in the UK or abroad…………….”giving you worldwide purchasing power”
Withdraw up to £250 or equivalent per day in local currency from banks or cash machines that display the VISA symbol.
Pay for goods and services up to the value of £500 or equivalent per day from retailers and suppliers
Guarantee cheques up to the limit shown on your card

Should you have any larger purchases that could exceed the above limits, then you can call Reliance Bank Customer Services team( during normal working hours) who will be able to arrange suitable limits for your needs.

CHIP & PIN…………………..”your safe, fast and convenient method of payment”

Remember never disclose your personal number to anybody, we will never ask you for your number at the bank.

The new ‘chipped’ debit cards hold the latest technology and that means in conjunction with VISA your Reliance Bank Debit Card will be safer and transactions are much quicker.

If your card is lost or stolen, you should immediately ring and report it using our dedicated Cardholder Lost and Stolen telephone number +44(0) 20 7929 1344, which is available 24 hours a day, 7 days a week.

Be assured whether you are at home or abroad, your card will be cancelled immediately on your notification of loss. We will arrange for a new card and PIN to be issued as soon as possible.

There is no application charge for the Reliance Bank Visa Debit Card, and although we do not charge for your withdrawals in the UK, some cash machines may apply charges.

£If you use your Reliance Bank VISA card, outside the UK, the exchange rate will be the wholesale rate of exchange applied by VISA. In addition, we apply a percentage charge to cover costs. This is currently set at 1.5% of the transaction amount ( minimum 2.50).

All transactions abroad will show clearly on your bank statement and you may find the Debit Card could provide better value than other methods of buying foreign currency.

Apply now and enjoy the great benefits of the Reliance Bank Visa Debit Card.

Terms and conditions apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB Telephone: 020 7398 5400 Fax: 020 7398 5401
Reliance Bank is regulated by the Financial Services Authority. Registered in England. Registration no. 68835.

More: www.reliancebankltd.com

Reliance Bank Limited-Remortgage

Buy to Let Mortgages

Reliance Bank are pleased to extend their mortgage range with a Buy to Let mortgage product for those wishing to remortgage or purchasing a new property to rent out.

There are lots of things to consider when looking to purchase an investment property, and the criteria for lending are different to residential purchases.

We ask you to consider all of the following points before submitting an application to us.

We do not loan more than 70% of market valuation or cost, whichever is the lower, on buy to let properties.

We require rental income to cover repayments (including capital and interest) by a minimum factor of 125%.

The interest rate applicable on our buy to let mortgages is 1.5% over our standard variable mortgage rate.

We require copies of any accounts or tax returns relating to the applicant’s investment properties.

We shall require copies of all tenancy agreements, which must be by way of assured shorthold.

We require evidence of rental income receipt for existing buy to let properties.

There is an Arrangement Fee of £250 minimum for all buy to let mortgages.

The professional valuation we require is at the expense of the applicant and must be a standard valuation for bank security purposes from an A.R.I.C.S or F.R.I.C.S. qualified valuer approved by Reliance Bank.

For further information and guidance on choosing a Buy to Let mortgage, please view www.cml.org.uk/cml/consumers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB Telephone: 020 7398 5400 Fax: 020 7398 5401
Reliance Bank is regulated by the Financial Services Authority. Registered in England. Registration no. 68835.

More: www.reliancebankltd.com

Reliance Bank Limited-Personal Loans

There are times when you need extra funds for home improvements, a new car, or to pay for a special event in your life …………….

Why choose a Reliance Bank Loan?

All our rates are guaranteed fixed rates – your repayments will not change
Typical rate 7.9% APR
You can borrow from £500 to £20,000 (subject to status)
You can repay over 6 months to 5 years
No security required
No early repayment charges
No payment protection insurance required
A simple application form to complete
We will normally give you a decision in 24 hours from receipt of your application
Funds will be credited direct to your nominated bank account .
We would not make any claim on the borrower’s estate in the unfortunate event of the borrower’s death, up to the age of 65.

Applying for a Reliance Bank Personal loan is easy:
Simply contact us for an application form or alternatively download one at the bottom of this page.
Complete the application form and return it to us FREE using the following address: Reliance Bank Ltd, FREEPOST, Lon21119, London EC3B 3LP
Once your application is received we will process it immediately and when it is has been approved, we will send out your offer for your signature.
Once we receive this back we will credit your nominated bank account with the agreed sum upon completion of the paperwork.
As a general indication you can apply for a Reliance Bank Personal loan if you:

are aged 18 or over
have a regular income
have managed your previous financial commitments without any problems
are resident in the UK

More: www.reliancebankltd.com

Reliance Bank Limited-TEENZ Saver

We are pleased to offer our saving accounts for the under 18’s

KIDZ account

A great opportunity to help your children understand the real value of money and saving.

If your child is under 11 years old, this is the ideal savings account for them.

We offer attractive interest rates and benefits and help to make this savings experience educational and fun!

It is never too early to start a children’s savings account…….help them save for their future.

Features and benefits

Attractive interest rate 5% gross*
Open with just £1
Instant access
Statements every 6 months
Free gift on opening the account
Birthday card and newsletter
Maximum investment £10,000
or

TEENZ account

If you are over the age of 11 and you want to save your spare cash, then this is the ideal account for you.

Features & benefits

Attractive interest rate of 5%
Open with £10
Instant access
Statement every 6 months
On line banking
Music or book voucher for the value of £10
Cash card from the age of 13 (subject to application)
Maximum investment of £20,000

Important Information

* If, as a parent, you give your child a gift of money that produces more than £100 gross interest a year, the income will normally be taxed as yours.

For children under the age of seven, the acount is managed by the parent or guardian. If you decide after their 7th birthday you wish to transfer the account to their sole name you must request this in writing.

Majority of children do not pay tax on the interest earned from their savings, entitling them to gross interest. You need to complete a Revenue and Customs R85 form for your child to receive this benefit.

For further information visit www.hmrc.gov.uk

More:www.reliancebankltd.com

Reliance Bank Limited-KIDZ Saver

We are pleased to offer our saving accounts for the under 18’s

KIDZ account

A great opportunity to help your children understand the real value of money and saving.

If your child is under 11 years old, this is the ideal savings account for them.

We offer attractive interest rates and benefits and help to make this savings experience educational and fun!

It is never too early to start a children’s savings account…….help them save for their future.

Features and benefits

Attractive interest rate 5% gross*
Open with just £1
Instant access
Statements every 6 months
Free gift on opening the account
Birthday card and newsletter
Maximum investment £10,000
or

TEENZ account

If you are over the age of 11 and you want to save your spare cash, then this is the ideal account for you.

Features & benefits

Attractive interest rate of 5%
Open with £10
Instant access
Statement every 6 months
On line banking
Music or book voucher for the value of £10
Cash card from the age of 13 (subject to application)
Maximum investment of £20,000

Important Information

* If, as a parent, you give your child a gift of money that produces more than £100 gross interest a year, the income will normally be taxed as yours.

For children under the age of seven, the acount is managed by the parent or guardian. If you decide after their 7th birthday you wish to transfer the account to their sole name you must request this in writing.

Majority of children do not pay tax on the interest earned from their savings, entitling them to gross interest. You need to complete a Revenue and Customs R85 form for your child to receive this benefit.

For further information visit www.hmrc.gov.uk

More: www.reliancebankltd.com

Sainsbury’s Bank-Car loans

Car loans at great rates

7.9% APR typical

If you’re thinking about a loan for your new car, you should be thinking Sainsbury’s loans, because we offer great fixed rate deals, currently 7.9% APR typical on loans from £7,000 – £25,000, with instant decisions.

7.9% APR typical on loans from £7,000 to £25,000 which should help you get the car you really want
Fixed monthly repayments mean you know exactly what you’ll be paying.
We give instant decisions on car loans, online or by telephone.
Money transferred directly to your bank account#
We even offer payment protection insurance on our car loans, so if anything unforeseen happens, you’ll still have your wheels.

Applicants must be aged at least 18 and resident in the UK.

#Funds are transferred after our receipt of signed loan documentation and can take up to three days to clear from date of transfer. If you choose the optional courier service an additional amount of £50 will be payable 1 month before your first monthly payment. Delivery may take longer for weekend application or in outlying areas.

More: www.sainsburysbank.co.uk

Sainsbury’s Bank-Car loans

Car loans at great rates

7.9% APR typical

If you’re thinking about a loan for your new car, you should be thinking Sainsbury’s loans, because we offer great fixed rate deals, currently 7.9% APR typical on loans from £7,000 – £25,000, with instant decisions.

7.9% APR typical on loans from £7,000 to £25,000 which should help you get the car you really want
Fixed monthly repayments mean you know exactly what you’ll be paying.
We give instant decisions on car loans, online or by telephone.
Money transferred directly to your bank account#
We even offer payment protection insurance on our car loans, so if anything unforeseen happens, you’ll still have your wheels.

Applicants must be aged at least 18 and resident in the UK.

#Funds are transferred after our receipt of signed loan documentation and can take up to three days to clear from date of transfer. If you choose the optional courier service an additional amount of £50 will be payable 1 month before your first monthly payment. Delivery may take longer for weekend application or in outlying areas.

More: www.sainsburysbank.co.uk

Sainsbury’s Bank-Personal Loans

Personal Loans

Loans for a decision in minutes and your cheque tomorrow#

7.9% APR typical

On personal loans from £7,000 to £25,000
A repayment period that suits you, from 1 to 7 years
Fixed repayments for the whole period of your loan
Get an instant personal loan decision
Receive your money in 24 hours#

we’re here to help

no surprises

Our rates are fixed so you know your repayments will remain the same so that you can budget for the months ahead. You can also choose how long you’d like to take to pay off your loan.

no repayments for the first 3 months*

Choose to enjoy a 3 month repayment holiday at the start of your loan, giving your finances some breathing space.

feel secure

We want you to fully enjoy the benefits of your loan. That’s why you can create the payment protection plan that suits. Critical Illness, Accident & Sickness, Unemployment and Life options are available to cover your loan repayments. Choose what’s right for you – the cost is added to your monthly repayments.

award winning

Winner of the ‘Your Money’ best overall online provider 2007.

an instant decision online

We won’t keep you waiting either, we’ll give you an instant decision.

cheque within 24 hours#

Not only will we give you a decision straight away, you could have your cheque within 24 hours.

credit cards

On acceptance of your Loan, we may be able to offer you a credit card. Look out for details in your Loan agreement pack.

# Loans must be arranged before 3.30pm for next date delivery. If you choose the optional courier service an additional amount of £50 will be payable 1 month before your first monthly payment. Delivery may take longer for weekend application or in outlying areas.

*Interest is accrued during the repayment holiday.

# Loans must be arranged before 3.30pm for next day delivery. If you choose the optional courier service an additional amount of £50 will be payable one month before your first monthly payment. Delivery may take longer for weekend applications or in outlying areas.

Peace of mind

Our repayment protection can cover your repayments if you fall ill, have an accident or lose your job.

Find out more about repayment protection.

Online 7.9% APR typical

You can enjoy exceptionally low personal loan rates, making so many things so affordable – a new car, home improvements, paying off credit card bills or other financial commitments. And you’re assured of excellent value – our online personal loans have a typical rate of 7.9% APR.

Personal loan rates explained

Everyone wants low rate personal loans but how do you know you’re getting good value? The tip is to look for personal loan rates that specify a typical APR (Annual Percentage Rate) and compare the best available rates. At Sainsbury’s Bank, we only offer outstanding value low rate personal loans; our personal loans are currently available at a typical rate of just 7.9% APR

More: www.sainsburysbank.co.uk