Finance

There are many options when it comes to choosing a financial services provider. You can use our website to compare the top financial services providers in the UK.

  • Credit cards

    Credit cards are not only provided by banks, but also supermarkets, other retailers and charities. John Lewis scores highly with customers when it comes to customer service. They also offer a reward scheme that is highly rated. First Direct are also recommended. Their customer service is highly rated, and they offer a good initial interest free period. Another reputable provider is The Cooperative Bank. They offer various credit cards, with the APR ranging from 9.9% to 15.9%. There is also the option of a cashback reward scheme. Marks and Spencer Bank are also a recommended provider. A feature of the credit card is access to their exclusive Travel Club.

    Initial interest free period APR Reward scheme
    John Lewis 6 months Representative 16.9% variable Yes
    First Direct 20 months Representative 16.9% variable No
    The Cooperative Bank 3 months on Think Credit Card Representative 9.9% to 15.9% variable Yes
    Marks and Spencer Bank 15 months Representative 16.9% APR Yes
  • Loans

    Sainsbury’s Bank offer interest rates starting from 5.1%, depending on the amount borrowed. They offer both a standard loan and a loan that includes shopping rewards. Hitachi Personal Finance also offer competitive rates. Their rates start from 5.4% APR, dependent on circumstances. A low starting rate of 5.1% APR is offered by Tesco Bank. One of the product features is a fixed rate for the length of the loan. Derbyshire Building Society offer a good interest rate on loans. Their loans start from 5% APR, and in most cases an instant online decision can be received.

    Representative APR Rewards Repayment holiday option
    Sainsbury's Bank From 5.1% Yes Yes
    Hitachi Personal Finance From 5.4% Yes No
    Tesco Bank From 5.1% No Yes
    Derbyshire Building Society From 5% No No
  • Mortgages

    First Direct are a recommended mortgage provider. They offer a range of mortgages, including offset mortgages. This option allows customers to save interest on the mortgage by linking it to other accounts. The Coventry Building Society are also recommended, as they offer low booking fees and one mortgage valuation up to the value of £670.00. Another provider that offers competitive deals is Nationwide Building Society. They also offer low booking fees, as well as cashback for eligible customers. Britannia Building Society are highly rated by their customers. They offer a choice of fixed rate, tracker rate and offset mortgages.

    Online application Valuation fee Booking fee
    First Direct Yes No From £0.00 to £1,999.99
    The Coventry Building Society Yes No £199.99
    Nationwide Building Society Yes No £99.99
    Britannia Building Society No Yes £150.00
  • PPI claims

    There are many PPI claim companies that can be used for reclaiming mis-sold PPI. Many work on a no win, no fee basis, but the percentage payable on a successful claim can vary greatly. Gladstone Brookes are one of the best known PPI claim companies. They offer a freephone helpline that customers can call for advice or to make a claim. Payment Protection Insurance Claims 247 are another company who specialise in PPI claims. They have a simple online claim form and offer low fees. Money Boomerang also offer a simple claims process. They can be contacted via their website, on a freephone telephone number or by text. PPI-Claims.org are another specialist in reclaiming PPI. They use carefully selected solicitors for the claims, rather than in house teams.

    Fee Online claim form No win, no fee
    Gladstone Brookes 25% plus VAT Yes Yes
    Payment Protection Insurance Claims 247 15% plus VAT Yes Yes
    Money Boomerang 25% plus VAT Yes Yes
    PPI Claims.org 20% plus VAT Yes Yes
  • Pension plans

    Hargreaves Lansdown are a well-respected pension provider. They have a large number of investment funds, as well as offering a competitive annual fee. Aegon are also highly rated, offering a low annual fee. Aviva are a large pension plan provider, who offer competitive fees and a range of funds. Sippdeal are recommended for a low cost pension provider, as they do not charge an annual fee.

    Number of funds Annual fee Ethical funds
    Hargreaves Lansdown 2,500 From 0.5% Yes
    Aegon 302 From 0.4% Yes
    Aviva 244 From 0.35% Yes
    Sippdeal 6,000 0% Yes

    When choosing a financial services provider, you should consider:

    • The reputation of the company
    • The fees charged
    • The quality of the product and service