Political concerns weigh Sterling down

The Pound has lost ground today as political concerns and the prospect of the Bank of England’s policy meeting later in the week weighed down Sterling.
 

Two UK opinion polls over the weekend showed a general election, which has to held by June, would result in a hung parliament.

This weighed on sterling since many believe that such a result would lessen the likelihood of the UK getting to grips with its rising budget deficit.

Meanwhile, traders were wary ahead of the result of the Bank of England’s monetary policy committee meeting on Thursday.

By midday in New York, the pound fell 0.9 per cent to £0.8740 against the euro, lost 0.1 per cent to Y144.21 against the yen and fell 0.6 per cent to $1.5902 against the dollar.

Meanwhile, the dollar hit a six-month high on a trade-weighted basis, consolidating sharp gains after US growth figures came in stronger than expected last week. 

The figures helped give the dollar an additional boost given that the US currency was already benefiting from increased risk aversion.

Safe haven demand for the dollar was boosted as fears over Greece’s fiscal position and concerns over continued Chinese monetary tightening weighed on risk appetite and global equity markets.

The dollar index, which tracks its progress against a basket of six leading currencies, rose to a high of 79.534, it highest level since July 30. The dollar also rose to a six-month peak of $1.3850 against the euro before paring some its gains to stand down 0.3 per cent at $1.3905 and climbed 0.5 per cent to Y90.77 against the yen.

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Fear grips the markets

Volatility in the money markets over the last 24 hours has been staggering! 

The main economic events yesterday were related to the UK and European central bank decisions- however this was not the driver for the volatility.

The exact location of the fear was GPS…Greece, Portugal and Spain. 

There was a scramble for safer shores in the USD and the YEN and out of the euro and higher yielders and to some extent the pound as panic swept the markets. 

Escalating debt concerns are increasing in these European economies and this drove stocks and commodities lower- debts spreads between the good eggs and bad eggs widened considerably and could increase further.

The market clearly needs some reassurance in regards to the bad economic apples of Europe and ECB president Trichet did little to reassure the markets yesterday so we await a viable plan from each economy.

It seems the simmering problems perceived for some time within Europe are finally coming to the boil and the question is can each economy sort out their own mess? 

You could also throw Ireland into the equation to formulate the PIGS of Europe- if they cannot reduce their debt- will the ECB and IMF offer a trough for aid? 

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Quantitative Easing QE- are we done?

Today the markets are be focused upon the interest rate decisions from the Bank Of England and the European Central Banks. 

First up is the BoE- the markets will be waiting to see what the MPC do with QE- the UK asset purchase scheme. Will they hold firm at the current level of £200 billion? Will they expand by a further £25 billion? Or will they signal the completion of the asset purchase- or at least pause? 

There are valid arguments for all scenarios, however I feel that the most likely scenario is that the Bank will not extend now but leave the door open for future extension if deemed necessary. For sterling any signal on further extension would be negative and any closure or pause should be positive.

For the ECB the statement after the meeting will be all important and the situation in Greece, Spain and Portugal will be scrutinized. Trichet usually dances through tough questions without giving too much away so we are not likely to get any major surprises here. 

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Markets await central bank decisions tomorrow

Quiet economic data today with the focus looking forward to tomorrow's interest rate decisions from the Bank Of England and the European Central Bank. 

There is a possibility that the completion of the Quantitative Easing programme will be announced for the UK- however the ever cautious MPC will likely leave the door open for more if deemed necessary. Either way a pause or a cessation in QE should be largely beneficial for sterling in the short term. 

The statements following the respective decisions from the BoE and ECB will again be the highlight as future policy sentiment will be predicted by the markets.

Sterling had a bright start today against the USD pushing back through 1.60 and hitting a high of 1.6069 before slumping back to earlier levels. 

Reports of Asian Central banks buying GBP/USD earlier before the rally was sold back lower. EUR/USD also stuck its neck back above 1.40 again this morning to a high of 1.4026 before falling back to 1.40. 

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Currency markets future directions

US Dollar and Sterling should continue to improve against the Euro and Yen for the short term at least.

With the presumption being that the improvement in performance for both economies can be traced back to their recently acquired, more competitive exchange rates. 

Large moves in the next day or so, do look limited however, given the upcoming monetary meeting in Europe and the UK and given that much of the Euro’s recent weakness has been as a direct result of negative news from Greece. 

It has to be assumed that most, if not all, the bad news has been priced in by markets now and the currency might be set for a bit of a lift as it benefits from an increase in risk appetite. 

The Euro itself looks unlikely to surge however, given the likelihood of IMF intervention in Greece’s affairs and for those precious metal aficionados out there, it is worth noting that at present, Greece holds over 71% of its foreign reserves in gold, which at the end of December stood at just shy of $4 billion. Watch the gold price after the IMF have been in …..

Overnight the Reserve Bank of Australia surprised all but a few by leaving their official interest rates at 3.75 % against the expectation of a 0.25% increase, citing the lack of credible information so far on the effects of the previous increases, thus judging it appropriate to hold rates steady for the time being. 

The Aus$ dropped sharply on the release but stabilised on a later caveat from the RBA that if the economy continued to improve, as has been witnessed over the recent period, rates would need to be raised further. The currency held at around 88 cents versus the US$ but given the anticipated continued demand from China for global commodities.

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Wise Money forsees a volatile week ahead

It’s a big week for the currency markets with a number of events that will most certainly add to the already volatile conditions which we saw in January.

The Euro has continued to slide against the Dollar over the weekend as concerns that Greece's budget problems may spread continue to weigh on the single currency. 

Recent data from the Commodity Futures Trading Commission has shown that bets on a further decline now stand at the highest level in over a year. A strong Q4 US GDP figure (and subsequent stock market gains) on Friday further supported the dollar positive sentiment and helped the greenback reach a four-month high against the Swiss franc and a three-week high against sterling as signs the world's largest economy is gaining momentum spurred investors to buy U.S. assets. 

Reports due later today are also expected to show that show U.S. manufacturing expanded for a sixth month and household purchases rose.

In the UK, attention this week will focus squarely on the Bank of England's policy decision on Thursday and what this will mean for the future of the asset-purchase facility. 

With the property market showing signs of strengthening and the economy exiting recession, the MPC may move towards pausing it's emergency bond purchases after buying 200 billion pounds so far.

UK data earlier this morning showed that house prices rose for a sixth month in January as a shortage of homes for sale supported property values. However, prices were still down 0.8% from a year earlier.

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Greece denies a bail out is required

Greece's Prime Minister George Papandreou has denied speculation that it will have to be bailed out by the European Union.

Reports have suggested that the EU will pump money to help Greece whose public finances are in ruins.
At the World Economic Forum in Davos, he also said countries like his "are being used as the weak link, if you like, of the eurozone."
European leaders also denied that Greece would be kicked out of the euro.
"Nobody's going to be leaving the euro," Spain's Prime Minister Jose Luis Rodriguez Zapatero said.
"On the contrary, countries will be joining the euro in the future. The same is true for the EU. That is the best proof on how the EU has helped to guarantee stability."
A report in Le Monde suggested that the EU was considering bailing out Greece because the Hellenic nation's woes had shaken the euro.
'Speculation'
European Central Bank President Jean-Claude Trichet said the pact had helped keep the 16 members of the eurozone from experiencing even more strain.
Mr Papandreou said that there had been a lot of "speculation" during the financial crisis and that people were against the euro had targeted countries like his in the bloc.
Greece's public debt stands at about 300bn euros ($419bn, £259bn).
He also denied a Financial Times report that said Greece had been asking China to buy up to 25bn euros of its debt to help secure its finances.
But Mr Papandreou refused to blame the EU for the country's troubles.
"We Greeks see it as our problem to put our house in order," he said. "Greece blames itself, not the EU."
Mr Papandreou also floated the idea of having EU government bonds for all the members in the bloc.
The crisis is seen as the first test since the euro was created in 1999.
Greece, Spain, Portugal, Ireland and especially Italy together account for 40% of the eurozone's debt.
Their debt has ballooned as their countries have been battered by the financial crisis, while larger economies have had to spend huge amounts to bail out their key industries.
Since the financial crisis last year, many countries - including the UK, France and Germany - have risen above the EU's limits on public spending as a proportion of growth.
The EU's Stability and Growth Pact states that no nation in the bloc should have an annual budget deficit higher than 3% of its gross domestic product.
Greece aims to shrink public debt to 9.1% of overall economic output this year, down from 12.7% last year.

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Greeks bonds tragedy in the making

The “Greek tragedy” continues with rumours swirling that the Greeks  have approached China looking to offload €25 billion of their debt. 

The European dream is starting to crumble when on the back of the warning from the ECB that the Greeks will have to sort out their own finances they look instead to the East for a solution.

The euro has again tumbled on the back of this and €1.40 is now the line in the sand. The spread of the 10-year Greek bond yield over benchmark German Bunds also hit a high not seen since Greece adopted the euro in 2001

The US Dollar moved higher yesterday evening after the Fed's monetary policy meeting ended. 

As expected, the central bank left interest rates on hold at the historically low range of 0 – 0.25%, and has been worded in previous statements indicated that it will continue to do so for an “extended period". 

However, it was noted that one member of the committee, Thomas Hoening, voted to eliminate the extended period phrase. It also confirmed the continued plan to unwind its support to financial and credit markets. 

Also of note was its presentation of a brighter economic outlook for the economy than highlighted in its previous statement in December.

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UK the centre of attention

The British Pound came under some selling pressure yesterday as the advanced Q4 GDP reading disappointed with a weaker than expected reading. 

Economic activity in the UK expanded only 0.1% in the fourth quarter of 2009 versus projections of a 0.4% rise, with the annualised rate slipped 3.2% from the previous year versus forecasts for a 3.0% contraction.

The tepid pace of recovery in the UK, could threaten further downward action in the pound if once again the ratings agencies look to cut the UK`s debt rating.

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UK crawls out of recession

UK Quarter 4 GDP growth for 2009 came in at + 0.1 %

Although well below the forecast of + 0.4 %, it signals that the UK has finally emerged from the recession- for now. 

The UK economy contracted 4.8 % in 2009 the biggest fall on record so a year to forget for the UK economy and the Pound. 

The data was much weaker than expected and the Pound fell from a high of 1.6268 against the USD down to 1.61 following the data. 

A spokesman for the Prime Minister ditherer brown affirmed that we are right to be confident but cautious about the economy- I would say more cautious than confident. 

The concern now is that the UK could slip into a double dip recession if the tepid growth experienced cools as we move through 2010. 

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GDP economic data for UK and US awaited

The lull before the storm? There is little economic data today, therefore the markets will be left to their own devices for the next couple of trading sessions. 

Having said that, the Far East continued Friday’s trend in equities to finish lower on the session. Wall Street traders were spooked somewhat by the seemingly ever-more frantic measures that Obama is promoting to try and revive his flagging popularity and news that Bernanke’s re-election for a further term was in doubt just left any bulls side-lined. 

The re-appointment of the dovish Ben Bernanke is seen as vital for the continuation of growth in the US economy going forward…..

At this stage in the week’s trading timetable then, we are very much looking forward to data and events later in the week. The headline catcher will be the release of updated GDP numbers from both the UK and the US with positive revisions expected for both. 

Although Alistair Darling has been down-playing expectations for the UK figure, the weekend press and market pundits have all (or mostly all) pencilled in a positive figure for the 4th Quarter (+0.3% giving a less negative annualised number of about -3.0%). 

This will no doubt be heralded as the first indication that the trough of UK economic performance has been passed and be greeted with great enthusiasm. The road to full recovery however will remain littered with potholes so expect any Sterling strength on the back of the news to be short-lived.

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Euro plunges to 1.40 against US Dollar

It is fair to say that the euro has been well and truly hammered over the last few trading days and is on the ropes. 

The 1.40 level on EUR/USD is today in sight which is a 7% fall from the December highs. 

The demise of the euro was triggered with the economic Greek tragedy and has since been hit with a return to risk aversion which is triggering buying of USD and JPY. 

Concerns are increasing on the maintainability of the ever expanding growth in China and fears that China will act further to slow the rampant growth by raising rates. 

This has taken a lot of risk off the table in the Far East and Australasia and we have seen weakening of the commodity currencies to tie in with this- in particular the Aussie dollar. 

GBP/EUR is hovering around the 1.15 level- a further fall in EUR/USD would lead it cleanly through the 1.15 level. The euro will not be helped by slightly weaker than expected Eurozone PMI this morning.

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Sterling strengthens to 1.15 against the euro

Sterling is continuing its rally against the weak euro but has fallen back against other major currencies. 

GBP/EUR is pushing up and has already hit the key 1.15 level in trading today as the euro is pummeled against the major currencies. The move higher for sterling is more related to euro weakness this morning as risk aversion is back in play on further concerns surrounding Greece. 

The failing on the sterling Bull Run against the USD was fuelled by renewed concerns raised by Fitch the credit rating agency on the UK’s fiscal deficit coupled with a blunt warning from Mervyn King on the health of the UK economy. 

Alistair Darling again repeated the need to cut the deficit but the rating agencies are focusing on changes introduced and not to be introduced- the general feeling is that the pre-budget has not gone far enough.

Focusing on UK data we have seen jobless claims come in better than expected and the official unemployment rate has fallen to 7.8% from 7.9%- very good news. 

No surprises from the BoE in their minutes as the MPC voted to keep rates and QE on hold with a 9-0 decision. They also indicated that yesterdays surge in CPI is most likely a blip and CPI levels should wind lower in 2010 and the February inflation report will offer more clues on the real status of inflation. 

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Sterling continues to stride ahead in 2010

Another bright start for Sterling which continues it's gains. 

Sterling hit a 6 month high against the euro and pushed higher against the USD. The move was initiated with the acceptance and recommendation from the board of Cadbury’s on the offer by Kraft. 

The Kraft offer values each Cadbury’s share at 840p and shareholders will be entitled to receive 10p per share in the form of a special dividend. Sterling gained on the back of the expected benefits from the M&A flows of the deal. 

Then at 9:30 official UK inflation data came in much better than expected- UK December CPI has come in at +0.6% month on month, +2.9% year on year, demonstrably stronger than median forecasts of +0.3%, +2.6% respectively. 

This has raised the prospects for a Bank of England interest rate rise in 2010 and it certainly offers the Bank of England something to think about in early Feb.

This data also heightens the view on the UK employment data later this week- better data here could reinforce the view that the UK is firmly on the road to recovery. 

The Pound hit a high of 1.1455 against the euro and 1.6457 against the USD before falling back from the highs- Mervyn King is due to speak later and the market will expect a cautious approach which could take the edge off sterling- we will see later..

The Euro is under pressure this morning as the fallout in Greece continues to undermine the single currency and in addition the German ZEW came in weaker than expected for the third month in a row. The euro is closing in on key technical levels against the USD and the EUR with EUR/USD close to breaking below 1.4275 and GBP/EUR targeting 1.15. 

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Big week for Sterling ahead

A very good work for Sterling last week as it pushed higher against the major currencies. 

The push on sterling was largely attributed to improved economic data leaning to a more positive outlook for the UK economy. In addition the National Institute of Economic and Social Research (NIESR) estimated that UK fourth quarter GDP which is due out next week will come in at +0.3%- so therefore the UK will be out of recession! 

The upbeat assessment was mirrored by MPC member Andrew Sentence who commented that the Bank of England may need to raise interest rates this year. So will this good run continue this week?

Hopefully so. We have a plethora of economic data and feedback this week from the UK economy which could galvanize sterling further. 

We start on Tuesday with the Consumer and Retail price index which is a gauge on inflation for the UK- the expectation is that the measures will show an increase in inflationary pressure which will add further to the probability of a rate rise in 2010. 

Following this we have the Bank of England minutes which may offer an insight into the cessation of the Quantitative Easing programme- possibly as early as February. Following this we have retail sales and jobless data followed by public finance data. 

So a big week for the Pound and if we get more positives than negatives we could see a stronger Pound ahead of the official release of Q4 2009 GDP next week. Watch out for the public sector net borrowing data and M4 money supply which could trip up the pound if worse than expected.

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China and Eurozone centres of markets attention

China are scheduled to release their 4th Quarter GDP figure with market consensus looking for reported growth of 10.5%. 

The odds however are for an even stronger outcome and markets could react very positively towards the regions currencies and commodity currencies against those of the industrialised West. 

In The Land of the Rising Sun, this week should see further developments in the winding up of Japan Airlines. Reliable rumour has it that the company’s commercial activities, including their oil and fuel contract will be 100% guaranteed but that their forex hedges will be required to be unwound. This could mean the company needing to sell US Dollars against the Yen.

As expected last week, there was no change to the ECB’s policy interest rate and Trichet’s post-announcement was largely uneventful. 

Although he managed to achieve a balanced tone to his testimony, it was apparent that he was not overly concerned on imminent inflationary pressures within the zone. 

He acknowledged that current fiscal problems are placing a considerable burden on monetary policy but that individual States’ current difficulties would not cause the ECB to require a change in the collateral framework of any country.

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Euro rumours the centre of attention

Following yesterday’s potential minefield that was the ECB meeting, the market mover today was a rumour that went round the Far East in the early hours that the German Chancellor, Merkel, was ready to resign her position. 

This appears to stem from a report in Time magazine that was negative on the support that Frau Merkel is currently receiving. This rumour was swiftly denied by a German Government spokesperson but the damage was done and the Euro dropped sharply all round. 

In fact the move was then compounded as traders re-visited the comments from Trichet in his post-ECB policy meeting press conference.

Although he had said, when grilled by the reporters about Greece’s debt problems and the possibility of the country dropping out of the Euro, that he did not comment on ridiculous hypotheses, the whole question of Eurozone sovereign risk and the support that namely Greece, Portugal and Spain currently enjoy, was brought back to the table.

Sterling enjoyed a good spell and with the 200-day moving average at around 0.8850 being breached, traders saw a raft of stops taken out and a quick dip down to the 0.8825 Euro technical support. 

A weekly close beneath 0.8825-30 suggests a move lower towards 0.8500 but I feel that this is a move too far. The whole Greek/Portuguese situation has been overdone and it would not surprise to see traders looking at current rates as an opportune level at which to re-establish Euro long positions.

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Aussie Dollar shines whilst US Dollar weakens further

More weakness for the US Dollar yesterday across the markets except against the Yen. 

This push on US Dollar weakness relented in later trading after the Fed beige book posted a slightly bullish report for the US economy. Today is a big day for the USD with the eagerly awaited retail sales data and corporate earnings reported by Intel…the USD will need good news from both to stage a recovery and prevent further selling pressure.

The big winner in the markets was again the Aussie. The catalyst was better than expected jobs data; the unemployment rate dropped to 5.5% from 5.8% from the month earlier as the number of people in work rose by 35,200 in December. 

Australia is the stand out performer of G20 nations and has rallied on stronger commodities and increased demand from China. It will be interesting to see if the RBA raise interest rates at their next meeting; if so we could see AUD/USD hit parity and GBP/USD mover into the 1.60’s.

Sterling has benefited on feedback from the National Institute of Economic and Social Research (NIESR) which yesterday estimated Q4 GDP at +0.3% and thus out of recession. 

However it was still the worst year for the UK economy since 1921. A good week so far for sterling which was initially buoyed by hawkish comments from MPC member Andrew Sentance. Surely we are due for some bad news now…or is it the start of a sustained rally?

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Financial markets lack direction

Yesterday we saw a bout of US Dollar selling pushing EUR/USD back to 1.45 and supporting the Pound in a run up towards 1.62. 

This ran out of steam in later trading as the markets became range bound with this pattern continuing so far today. Data from the UK today showed a reduction in the trade deficit and overnight we saw BRC retail sales come in at +4.2% year on year; both data better than forecasts. 

However it was not all good news for the UK as RICS December house price balance came in at +30 from +35 in November- the expectation was for +36 and this was the first drop since Feb last year.

Overall we have seen more positives coming from the UK data snaps and this should bode well for the Q4 2009 GDP data.

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US dollar weakens on news

A combination of factors has caused a weaker US Dollar this morning. 

Firstly the market is still reacting to the disappointing US non-farm payroll data on Friday; the expectation was for a positive number at +10,000, however the actual came in at -85,000 for the month of December. 

This data after volatile markets led to a weaker US Dollar. This morning the Pound and the euro have gained further against the greenback with sterling heading towards 1.62 and the euro pushing back over 1.45. 

The weekend release of December Chinese trade data which came in above expectations is helping lift risk sentiment in the markets. Chinese exports rose 17.7% in December helping to reinforce confidence in the global recovery and lifting FX risk flows. 

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Sterling strenghtens on positive news

Sterling finished last week as it started in a positive tone.

The Pound has pushed through 1.60 against the USD and towards 1.12 against the Euro. The gains are largely due to the feeling that the Bank of England will end the Quantitative Easing programme in next months MPC meeting. 

The general sentiment is that UK GDP will come in positively at the end of this month and this will lean the Bank Of England to pull the plug on the life support for the UK economy. 

On top of this sterling has gained on the back of the latest opinion poll from the Sun which emphasizes an extended lead for the Conservatives after the failed coup to oust Brown. 

This is significant as it decreases the possibility of a hung parliament which would be sterling negative due to the lack of a majority to clearly define fiscal objectives. Expect more sentiment shifts before the Feb MPC meeting which will be significant; yesterday as expected there were no surprises in the MPC meeting for the UK with the interest rate and QE held.

The Yen remains in the spotlight as the market adjusts to the new finance minister Naoto Kan. Mr Kan is the polar opposite to the previous finance minister Hirohisa Fujii and favours a weaker yen.

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Which is the weaker- Yen or Sterling?

Both Sterling and the Yen are being seriously undermined by both political and economic concerns and are racing each other towards the edge of the precipice.

On the Japanese political front, the replacement of Fujii by Kan as Finance Minister was not greeted enthusiastically and as mentioned yesterday the Yen took a little dip in value. 

The major concern, was that the Japanese bond market might take flight and the ability of the Ministry of Finance to satisfy the country’s massive debt mountain could become compromised. 

Added to this, the first official comments from Kan were distinctly Yen negative with him saying he wants the Yen to weaken further (it fell immediately from 91.10 to 91.75) and then adding that many Japanese firms favour the $/Yen rate at 95.00 and that he must work with the Bank of Japan to bring the Yen to appropriate levels. 

Beat that lot, sterling …. Well it did try its best.

On the UK political front, the call from the 2 cabinet members for a secret ballot of Labour MPs to establish Gordon Brown’s position as leader of the party was viewed very negatively by the market on the assumption that a leadership battle this close to the election would be the final nail in the coffin for the Labour party but also, might be enough distraction for them to take their eye off the economy. 

Following on from this, there is a report in the Times this morning headed up, "Cash-strapped Treasury contemplates shining up gilts" which ponders the possibility that the Government might be forced to offer higher returns on its gilts in an attempt to maintain their investment appeal. 

This will obviously have the effect of further increasing the cost of servicing the country’s borrowings from the current forecast of £60 billion per year - and that is just the interest component.

Old Black Eyebrows is seeking to sell a record £225 billion tranche of debt this year at the same time as the Bank of England look to offload the bonds that it acquired via the Asset Purchase Scheme as part of the QE process and against the back-drop of investor concern over the UK’s status as a AAA rated sovereign. 

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Higher yielding currencies early 2010 gains

Positive interest in many Far Eastern and Antipodean currencies continues as investors look to the Asian and Pacific regions for the most likely currency appreciation during 2010. 

Apparently confirming the view, a researcher at the China Academy of Social Sciences (a Chinese Think Tank) told reporters that the Renminbi should be revalued by a one-off 10%. This, though, was mis-translated apparently with the Chinese version reading, they ‘think that it is good to push for a 10% rise but that NOW is NOT the right timing’. 

Despite this, the mood is set for gains in the region with just the Yen bucking the trend, having started to lose its recent upward momentum. As mentioned previously, the gradual widening of the interest rate differential between the Yen and the other major currencies, favour its return back to the funding currency of choice. 

The resignation of the Japanese Finance Minister, Fujii on health grounds (he had been viewed as a steady hand on the tiller on the back of his considerable experience in markets) leaves a big gap in the government’s ranks ahead of an important financial period and a crucial debate on fiscal policy. 

His withdrawal from the fray also makes intervention much less likely, negating the possibility of official support for the Yen if the market does start to push it back towards 100 versus the Dollar.

The trade of the year call however is to be short Sterling / Aussie now that the strong support at 1.7700 has broken. Talk is for a move down to 1.6000 which, unless you view Cable as being a non-mover, suggests a move in Dollar/AUD down towards, but not through, the parity level. 

This backs up the argument that commodity currencies will dominate proceedings during the early stages of the year with the Aussie, Kiwi and Canadian Dollars the punters favourites.

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Sterling kicks off 2010 in bright form

As usual, the trading periods between the Christmas and New Year holidays threw up some sharp moves, especially in the Dollar/Sterling cross, with one 24-hour session seeing cable trade up from 1.5850 to 1.6225 before settling back down below 1.6100. 

The few Banks still operating certainly enjoyed themselves. Today we start with Sterling looking relatively firm and the Yen soft. Euro/Dollar, which didn’t experience the more extreme moves seen in cable, remains in the mid 1.43s. 

The Yen has been the weakest currency over the last month since the newly elected government embarrassingly forced the Bank of Japan to change its established tack and boost QE whilst expanding fiscal spending. This has renewed appetite for using the Yen as a funding currency and with expectations that interest rate differentials are set to widen against the Japanese currency, this trading trait looks set to grow, to the Yen’s detriment. 

An article in the Wall St Journal today gives reasons for caution as we enter 2010, singling out the UK as having the worst fiscal position of all the industrialised nations, noting that, unlike several other headline grabbing countries, the UK does not have either an implicit or explicit guarantee from a friendly nation that stands behind its debt should things take a turn for the worse. 

Given that PIMCO (Pacific Investment Management Co), which runs the largest largest bond fund, have announced that it is cutting its holdings of both UK and US government issues owing to the spiralling debt burden in both countries, it suggests that Sovereign standing is going to be the focus going forward.

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US Greenback ends the year on a high

As we enter the last full trading day of the year, the Greenback has strengthened and trades below 1.59. 

Yesterday's US consumer confidence showed a figure of 52.90 against an expected 53.0, but still up on November's figure of 50.6. On the back of this data the dollar moved over 1.60 but shifted back towards 1.59 levels soon after as thin market trading continued.
 

German consumer price index figures released yesterday afternoon added support to the euro as we saw an increase to 0.8% from an expected 0.7%, up on last years 0.3% and euro/GB Pound fell below 1.11 where it is trading this morning.   

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Thin market trading after Christmas reopening

The markets have today reopened after the Christmas break with little to report. 

The Euro/US Dollar is attempting to push back up over 1.44 and sustain this level, with cable struggling to hold above 1.60. USD/CAD has hit a 2 month low of  1.0373. 

 European data released this morning showed that French Gross domestic product remained at 0.3% (QoQ), as a result the euro did not budge.
 

Throughout the trading day so far the euro has remained pretty strong, helped by a slightly better than expected figure for Italian business confidence. The Pound has gained ever so slightly against the greenback. 

This afternoon we have US consumer confidence which is expected to show a figure of 53, against a previous figure of 49.50   

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Wise Money wishes you a Merry Christmas as FTSE 100 nears year high

The UK's FTSE 100 stock exchange index has neared its year high in thin trading on Christmas Eve.

London's index of leading shares was up 8.6 points - or 0.16pc - at 5381.24 at 9.10am, after closing up closed up 43.72 points – or 0.8pc – at 5372.38 on Thursday.

The index is up around 3pc this week and it 21pc since the start of 2009. It hit its year high of 5382.67 on November 16.
 

European bourses were also higher with Germany's DAX and France's CAC up 0.2pc and 0.1pc respectively.

Earlier, Asian markets shrugged off a lacklustre performance on Wall Street to move higher amid expectations China will maintain loose monetary policy.

China's Shanghai Composite Index gain 79.63 points, or 2.6pc, to close at 3,153.41 and Hong Kong's Hang Seng climbed 188.26, or 0.9pc, to 21,517.

Japan's Nikkei 225 stock average rose to a fresh three-month high as the yen's recent weakness lifted exporters amid thin Christmas season trade. The index gained 158.89 points, or 1.5pc, to 10,536.92, the highest finish since late September.

Most other markets gained, including Seoul's Kospi, which added 1.3pc, and Taiwan's Taiex, up 0.8pc. On Friday, markets around the world will be closed for the Christmas holiday though Japan and China will continue to trade.

A surprise 11.3pc fall in new US homes sales in November to their lowest level since March, confounding economists who had expected an increase, was offset by a 0.4pc rise in personal incomes in November — the fastest rate in four months — helped by higher wages. 

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Financial markets wind down for Christmas

Financial markets get more and more illiquid and technicals become more and more relevant. 

To that end, Euro/Dollar remains the driver for forex markets and the target is very much the 200 day moving average level of just below 1.4200. 

Given the current penchant for buying Dollars, this looks a better than evens bet today. The turn in the dollar to date comes from a better relative economic performance than other majors, rather than any concern that the global recovery will derailed. 

As such, we should not necessarily be seeing weakness in high yield commodity and emerging currencies. Certainly the renewed strength in the dollar may be discouraging funding carry trades out of the dollar, and renewing the case for funding out of the JPY or even the EUR, but it suggests a broad carry trade unwind is unlikely to last. 

The recent improvement in the US Dollar against other major currencies reflects the relative rise in US bond yields. 

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UK GDP data revision disappoints

The financial markets remain very illiquid and so reasonably volatile. 

Equities had a strong day with oil perking up ahead of expected positive revisions to today’s GDP numbers from the US and the UK. 

In fact the UK GDP came in lower than forecast at -0.2%. This disappointed the markets and sterling fell against the major currencies and briefly dipped under the key 1.60 level against the USD.

The US figure should not be much different from the previous estimate of +2.8% leaving the afternoon session very subdued.

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Warnings from both the Bank of England and the ECB

The warnings reflect that the Banks in their respective domains are likely to need to report further write downs and should therefore raise additional capital while the ‘going is good’. 

On the back of an already weak Euro, this caused a further dip in its value on opening this morning. Tough talk from ECB member Nowotny didn’t alleviate any European concerns. 

Having just sorted out problems in a few Banks in his own native Austria, he was less than accommodative in his remarks about indebted nations within the Eurozone. He said that there will be no carte blanche bail- out of countries suffering beneath the burden of massive borrowings with his comments assumed to be directed towards Greece and its ever increasing problems. 

His policy view though was very dovish, saying that there was no need to raise interest rates and that Governments shouldn’t be looking to exit banking support measures. 

Euro/Dollar though, dipped to 1.4280 on market opening and after bouncing, revisited this level again in early London trade. 

The next real support for the Euro looks to be at the current 200 day moving average, which is presently at about 1.4170, and with the SNB still sniffing around in Euro/Swiss at levels below 1.5000, it might be that this will be a move too far and that we will see a bounce for year end.

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The US Dollar rally continues

The US Dollar index- which measures the strength of the USD against a basket of currencies hit a 3 month high as the Dollar extended its recent rally. 

However the motivation for the rally shifted- previously the US Dollar gained on the back of recent positive economic data in the form of retail sales and payroll numbers. 

Yesterday it was more a case of good old fashioned risk aversion creating a demand for the safe haven US Dollar. A more upbeat statement from the FED may also have helped as they slowly turn more hawkish, however it was a clear case of risk off that drove the US dollar higher yesterday. 

The problem is that a weaker Dollar will have contributed to better economic data and now the USD is gaining we could see future economic feedback stuttering.

Looking at current levels EUR/USD has now fell back to 1.4380 and hit a low of 1.4304 a level not seen since September. The euro is still struggling on structural weaknesses within certain nations in the 16 nation zone. 

GB Pound/US Dollar also fell into 1.60 territory before creeping back to 1.62- a fall in BRC retail sales was not good news for the UK economy and this number on release caught the market off guard with sterling dropping sharply.

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Fed keeps US interest rates on hold

Last night the Federal reserve kept their interest rates on hold.

Reports indicate we may not see a rate hike until late 2010 or even possibly 2011. The dollar has gained against most currencies on the back of this, and US Dollar/Japanese Yen tipped higher for the third consecutive day.

UK retail sales figures for November MoM came in this morning at -0.3% against an expected 0.5% rise, pushing sterling lower against a basket of currencies. 

Sterling has moved below 1.61 on the back of last nights Fed decision to keep interest rates on hold, boosted by the poor UK retail figures. Key support levels around 1.6083 should see the dollar move towards 1.59 regions.

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Euro weakness continues

Since the beginning of December the euro has shed 500 points against the US Dollar.

Recent problems in Greece and Austria and further structural problems within the eurozone are zapping confidence. In a nutshell along with recent problems within Greece and Austria, you also have concern over Italy, Spain and Portugal and exposure in Eastern Europe.

Take this alongside a strong euro and expanding deficits and you have forward looking issues which are shaking investor confidence. To add to the woes of the euro, the USD has had a fine run in the last week being largely supported by stronger economic data.

Tonight we have the US interest rate meeting from the FOMC and based upon the recent turn of fortunes for the USD the market will be looking for a hawkish statement. The key levels should a more positive statement occur would be 90 on USD/JPY and 1.45 on EUR/USD for the USD to break through.

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Euro even weaker than Sterling

The euro has again moved lower against the majors and in particular against the US Dollar moving down to 1.4523 overnight and overall down 500 points from recent highs. 

The cause of the downturn has been attributed to the recent jitters in Greece and more recently in Austria. 

The Greek prime minister commented yesterday that Greece does not have much time and must take tough decisions within the next three months- decisions that have been left for decades.  

In a very direct address he stated that “we must change or sink” and vowed that he will tax the bonuses of Greek bankers by 90%- move over Alistair Darling!

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Markets dry up for Christmas

As we get into December, so markets become less and less liquid.

This, combined with the lack of any significant data on Friday, left the technical traders very much in charge. 

Euro/Dollar obeyed the charts almost to the Nth degree with the closing support at 1.4610 holding even though we had seen slightly lower in late afternoon trading. 

Having broken the early November low of 1.4626 we are left with some fairly definite support and resistance levels to look at between now and the end of the year. 

There has been a considerable amount of trade around the 1.4700 level and this looks to be the initial Euro resistance level with last week’s high of 1.4780 the next resistance level. 

In a nutshell, if we don’t back up through 1.4800 in the next few days then the downside beckons. 

Recent moves suggest that short term trading will focus on being short of Euro with a target of 1.4450/1.4500 on the cards. This directional trade has been given impetus by what appears to be an improving relative economic performance from the US, which is in turn giving the Dollar a modicum of support.

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Market appetite for risk continues despite warnings

Concerns over sovereign default following the recent negative actions from the 3 largest ratings agencies had caused bond prices in the nations concerned to collapse and their yield spreads over the perceived stronger risks to widen. 

This occurred for Dubai, Greece, Spain and Portugal on Wednesday and was followed by a massive sell off in UK Gilts yesterday (after investors re-assessed just what Alistair Darling had said, or not said, in his pre-budget report).

Since then however, there has been an element of retracement in European markets (partially following a comment from German Chancellor, Angela Merkel, that Europe has a responsibility to support Greece) and likely to be a bounce in Gilt prices this morning after a senior Moody’s analyst, at an Asian event, was quoted as saying that there were no plans to revise either the US or the UK triple-A rating.

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Darling does nothing to repay his overdraft

So the pre-budget came and went yesterday and the economists and the politicians digested it in earnest. 

Naturally there was a heavy focus on the report due to the impending election and also the dire health of the UK economy. We saw a one-time 50% tax on bank bonuses that exceed £25,000- this expires on April 5 and does not include contractual agreements…lots of bonus payments to be made on April 6 then! 

Hard to know the intention here as it is easily sidestepped and avoidable and not likely to raise a jot to reduce the deficit or deter the bonus culture going forward.

From a market perspective other measures including an increase in National Insurance and a public sector freeze on pay limited to 1%, leave the ability to reduce the deficit in half within 4 years looking very doubtful. 

Sterling has not reacted too badly however but going forward I feel the words “deficit”, “credit rating” and “downgrade” will be heard more and more to the detriment of sterling.

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UK Pre Budget Report dominates today

All eyes will fall today on Alistair Darling’s pre-Budget report.

For the Foreign exchange markets close attention will be paid to the repayment of debt and growth forecasts along with the potential for a tax on UK bankers’ bonuses. 

All will be revealed later but the sentiment seems to be turning sterling negative as sterling has been sold off this morning against the Yen and USD. Today we have seen the UK October trade deficit widen to 7.1 billion against the forecast of 6.85 billion- not good timing for the chancellor as he looks to solve this ever growing issue. 

Other data from the UK confirms that whilst UK consumer confidence has come in positive, UK manufacturing output has stagnated in October and the British Chambers of Commerce downwardly revised its GDP expectations for 2009 and 2010. 

They are forecasting a 4.6% decline for GDP in 2009 and the 2010 outlook was lowered to 1% from 1.1%- it will be interesting to see how these forecasts align with that of Alistair Darlings later.

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Pre budget nerves for sterling

The Pre Budget Report will set out government plans for tackling the UK deficit and also define growth forecasts. 

A big factor will be how the government plans to reduce the deficit which is a major issue for the UK economy and the next government- expect lots of political sabre rattling as Darling attempts to set out a fiscal election strategy. 

The labour government has promised to cut the deficit in half within 4 years and the market will want to see a viable plan for this to give comfort to sterling. 

Other items could include a change in the growth forecasts, cuts in spending and increased taxes- possibly on bankers bonuses or even banking institutions…Darling says his plan will maintain credibility with investors, while protecting people most vulnerable to the recession- it needs to.

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US Dollar bounces on employment figures

The surprise US non farms payrolls that came out on Friday took centre stage. 

A reading of -125k was expected but the actual data came out at -11k. This shook the markets, giving the US Dollar a boost as investors scrambled out of most majors including JPY, GBP and EUR positions. JPY weakened by 2.4 cents, GBP fell 2.5 cents on the day and EUR fell by 2.7 cents. 

The far better than expected payrolls reading showed that US employers cut the fewest jobs in November since the recession began; this positive reading surprised the market and is a strong recovery sign. However, a large portion of the better than expected reading is attributed to the seasonal temporary increases in staff over the holiday period. 

It is not surprising that there is such a strong influx in temporary staff numbers as many companies have aggressively cut their permanent staff in order to cut costs.

The headline payrolls data overshadowed the unemployment rate which came out at 10.0%, whilst this an improvement on last month’s reading (of 10.2%) it is still an ongoing concern to US recovery (the last time unemployment was this high was back in 1983).

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Market confidence resumes

It was back to business as usual in the markets as the search for yield gathered momentum. 

The big loser was the Japanese Yen surpassing the US Dollar as the currency of choice to sell in the thirst for yield. The recent stimulus from Japan and recent verbal attempts to weaken the currency are finally starting to undermine the Yen; USD/JPY is heading back towards 88.00 and GBP/JPY is back up at 146. 

The recovery trade is glaringly apparent again with equities gaining- the Nikkei up 3.3%; Gold hitting new highs and Oil gaining.

EUR/USD is still pushing north although momentum has slowed sue to the market awaiting the ECB rate decision at 12:45 today. As usual it will be the press conference following the decision that will be closely eyed. 

What the market will be scrutinizing is the potential for a shift in the terms that the ECB offers funding to banks on a long term basis- previously a spread of 1% was utilized. What they could look to do is raise the tender or remove it completely and leave it floating- both moves would be considered hawkish and thus euro bullish.

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US Dollar slips again

The move back into the US Dollar did not last too long as was mainly attributed to the fear factor surrounding Dubai. 

As the markets started to feel more comfortable the US Dollar fell pretty much across the board. EUR/USD again pushed through 1.5050 and then through the 1.51 level, GBP/USD also gained back to the 1.66 level. 

Apparently unnamed sources from the ECB are saying that ECB officials are not concerned about the recent euro strength against the USD- not sure I believe that. This week we have the ECB and the improvement in economic data recently has caused speculation that the ECB will turn more Hawkish in their approach to monetary policy. 

The problem with this is that it would lead to further euro strength if the ECB move before the US Fed and this will certainly be an issue on the agenda for the ECB going into today’s interest rate meeting.

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Dubai still grabbing the headlines

The Dubai furore continues and undoubtedly will do so for some time; the market seems to have contained the news with a rally in Asian stocks and US stocks steady yesterday. 

What we do know is that if Dubai World defaults then lenders will have to take the hit, however the market feels this is unlikely. As UK banks will be the hardest hit in this eventuality, then sterling has remained soft as the USD gives up its gains. Let us see if the pound can start to play catch up today- it is certainly out of the blocks well.

There were other things happening in the world although they all took a bit of a back seat. Most important was the result of and action that followed the Monetary Policy meeting in Japan this morning. Interest rates were, as expected, left unanimously at 0.1% but the market was surprised by the announcement of a Yen 10 trillion injection of funds into the economy to attempt to stave off the ongoing deflation in the country. 

The cash would be introduced to lenders and be backed by JGBs, Corporate Bonds and Commercial Paper. The Yen dipped initially, recovered a tad and then eased again- nothing substantial but a move in the right direction as far as the Government is concerned.

The Reserve Bank of Australia, as predicted, raised their official rate by 25 basis points to 3 3/4% completing a hat-trick of interest rate rises- a first for the central bank. 

The Aussie remained very quiet with both the decision and the comments that followed widely anticipated. The Nationwide BS in the UK this morning released data that indicated house prices had risen by 0.5% in November and a slightly more sustainable 2.7% on the year. 

No real reaction from the FX markets although this data will help consolidate the Pound.

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What will the impact of the situation in Dubai be?

Well so far, nobody is really sure. Given that both Abu Dhabi and the UAE Central Bank have quickly come forward to assure markets of their support for the beleaguered Emirates State, then the financial impact should be quite minor. 

Certainly, there will be repercussions for Western lenders and there is no guarantee that Dubai’s ‘fairy godmother’ will stand behind its liabilities carte-blanche but equity markets are viewing the situation as containable.

The potential problem is any growth in concern over global Sovereign stability and the fact that CDS spreads have continued to widen suggests that even though things look calm on the surface, there is a lot of thrashing about below the surface. 

If things do begin to look a little dire, then expect the Dollar to come back into focus as risk aversion trades re-emerge.

Despite markets starting to draw their horns in for the run up to Christmas, there might be just time for one more spate of trading especially if the support for Dubai offered from the UAE Central Bank is less rather than more. 

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Overseas Holiday Home Insurance through Wise Money

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UK holiday home insurance for buildings and contents through Wise Money

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Public Liability : Cover of up to £2 million is automatically included.
Financing Options: To help spread the cost of payment we can arrange for No Deposit Direct Debit
Extra Discounts: If you insure your main residence, you stand to make considerable savings on your holiday home cover.

For an instant quote or to arrange instant cover please click HOLIDAY HOME INSURANCE QUOTES or telephone: 08700 667 500 quoting Wise Money to speak with a dedicated UK holiday home insurance consultant.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Home contents insurance quotes and save 10% on your renewal quote!

Home insurance for contents and save 10% on your renewal quote!

Insure your house and save at least 10% against your current contents insurers renewal premium with like-for-like cover.

With more than 35 years' experience you can trust one of the country's leading household insurance brokers. Whether you're looking for buildings insurance, contents insurance or a combined policy; we can find the right cover at the right price. 

Please click here now for a quick CONTENTS INSURANCE QUOTE

Our online quotation engine searches hundreds of policies from the biggest names in UK insurance to give you an instant quote. It's then up to our team of underwriters to tailor the quote to fit your circumstances and see how much extra you can save. In fact, we are so confident in our service that we guarantee a 10% saving on your current renewal quote. Other benefits include:
* At least 10% cheaper guaranteed
* Access to a wide range of policies means we can provide cover to suit everyone's needs: from first-time buyers to retired professionals
* Security conscious customers may be eligible for additional discounts by fitting smoke/ burglar alarms or joining a Home Watch scheme
* Switch to Quoteline Direct and we can usually repay the £25.00 administration fee charged by banks and building societies
* Call our 24-hour claims helpline to get help when you need it most. We aim to settle claims as quickly as possible with a minimum of fuss
* Choose from a number of payment options, including direct debit with NO DEPOSIT payable (details available on request)

We often hear complaints from 'non-standard' customers fed up with spending a small fortune on their house insurance; which is why we developed Ultimatum. So no matter whether you've got a thatched roof or a flat roof, a listed building or a subsiding semi; we can offer comprehensive cover at a competitive price.

For an online quote please click here now or please telephone 0870 066 7500 quoting Wise Money to speak to a consultant.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Home insurance quotes for buildings and contents through Wise Money and save 10% on your renewal quote!

Home insurance quotes for buildings and contents plus save 10% on your renewal quote!

Insure your house and save at least 10% against your current insurers renewal premium with like-for-like cover.

With more than 35 years' experience you can trust one of the country's leading household insurance brokers. Whether you're looking for buildings insurance, contents insurance or a combined policy; we can find the right cover at the right price. 

For a quick HOME INSURANCE QUOTE please click here now

 

Our online quotation engine searches hundreds of policies from the biggest names in UK insurance to give you an instant quote. It's then up to our team of underwriters to tailor the quote to fit your circumstances and see how much extra you can save. In fact, we are so confident in our service that we guarantee a 10% saving on your current renewal quote. 

Other benefits include:
* At least 10% cheaper guaranteed
* Access to a wide range of policies means we can provide cover to suit everyone's needs: from first-time buyers to retired professionals
* Security conscious customers may be eligible for additional discounts by fitting smoke/ burglar alarms or joining a Home Watch scheme
* Switch to Quoteline Direct and we can usually repay the £25.00 administration fee charged by banks and building societies
* Call our 24-hour claims helpline to get help when you need it most. We aim to settle claims as quickly as possible with a minimum of fuss
* Choose from a number of payment options, including direct debit with NO DEPOSIT payable (details available on request)

We often hear complaints from 'non-standard' customers fed up with spending a small fortune on their house insurance; which is why we developed Ultimatum. So no matter whether you've got a thatched roof or a flat roof, a listed building or a subsiding semi; we can offer comprehensive cover at a competitive price.

For an online quote please click here now or please telephone 0870 066 7500 quoting Wise Money to speak to a consultant.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Breakdown cover from just £59 a year through Wise Money

Breakdown cover- it's difficult to think of a more stressful ending to a touring holiday than breaking down in an unfamiliar country with a car full of kids and a boot full of suitcases.

Yet every year more than two million Britons are prepared to take the gamble by driving in Europe without adequate breakdown cover.

Quoteline Direct has teamed up with the world's largest vehicle breakdown organization to offer comprehensive cover for just ?59.00 per year. Benefits of cover include:
* Full UK and European breakdown cover for any insured driver
* Home assistance service
* Roadside repairs
* Recovery to the nearest garage, your intended destination or home
* Car hire or public transport costs
* Accommodation costs
* Save at least 50% on similar policies with the AA and the RAC
* Enjoy the peace of mind that 115 million other drivers are covered by Europ Assistance

Please complete the BREAKDOWN COVER simple online application form and print out a certificate. We can also text the breakdown contact number to your mobile phone in case of emergency.

Your cheapest motor car insurance quote quote from 450 polices immediately online whatever your car, age or driving record that's our promise to you!

For a quick online quote please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to an insurance consultant.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Motorcycle insurance quotes through Wise Money

Motorcycle insurance through one of the country's leading motorcycle insurance brokers.

Our online quote system searches hundreds of policies from some of the best-known names in the business to give you a competitive quote in an instant. We then transfer your details on to our team of insurance consultants to tailor the quotation to your individual needs.

By considering factors such as: how much riding experience you've had on your current bike and what security precautions you've taken, we could save you as much as 30 percent based on a survey of our new customers in January 2006.
* Get a online insurance quotation at any time of the day or night, or speak to an experienced underwriter by calling 0870 220 0242 quoting Wise Money or you can just click MOTORCYCLE INSURANCE QUOTES here now
* We have insurance policies to suit every bike and every rider: no matter what level of cover, what age or what riding history
* Choose from a variety of payments options including by monthly direct debit (details available on request)

For an instant quote from our panel of leading UK insurance providers please click here now

Your cheapest motor car insurance quote quote from 450 polices immediately online whatever your car, age or driving record that's our promise to you!

For a quick online quote please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to an insurance consultant.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Van insurance quotes for commercial vehicles from Wise Money

Van insurance quotes- save at least 10% on the cost of commercial insurance trhough Wise Money

If you're looking for cheap van insurance; you've come to the right place! Our insurers have been driving down the cost of van insurance for over 35 years and can guarantee you a minimum saving of 10% against your current insurers renewal premium with like-for-like cover.

We are committed to finding the van insurance cover that best suits your needs; not ours. Because we listen to each and every customer we know that many of the myths surrounding van drivers simply aren't true. 

Please click here now for our cheap VAN INSURANCE QUOTES

Please use our interactive engine to get an instant quote from our panel of van insurance specialists. It's then up to our team of dedicated underwriters to see how much more we can save you by tailoring the quote to 'fit' your circumstances. For example: did you know that you can cut the cost of premiums by placing a company logo on the side of your van? Or by fitting an immobilizer?

* Get an online quote any time of the day or night
* We have competitive insurance policies for all drivers and all types of van; from heavy goods vehicles to transit vans
* Most of our insurers will transfer any no claims discount earned on a private car to a new van insurance policy
* Choose form a range of payment options, including direct debit - details available on request
* Extended office hours mean you can speak to a consultant on weekday evenings (until 7pm) and on Saturdays (until 5pm) on 0870 22 00 345 quoting Wise Money or please click here for an online quotation

If your commercial vehicle weighs more than 7.5 tonnes please click here for an insurance quotation.

Car insurances for a range of motoring insurance needs:Car Insurance Quotes , Women drivers insurance , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Motor trade insurance quotes through Wise Money

Motor trade insurance provides protection for anyone working with motor vehicles; from car dealerships to MOT test centres.

While policies are tailored to your specific business needs, cover can be divided into two basic categories: road risk and combined policies.
Please just click here now for  MOTOR TRADE INSURANCE quote and see how much you can save.

Road risk insurance covers vehicles belonging to (or associated with) your business; allowing you to be on the road and to trade legally. Combined policies provide cover for every aspect of your business, including: material damage, business interruption, public/ employers' liability and goods in transit. Please click here now for a quote.

We have partnered with the country's leading insurance companies to provide specialist motor trade policies starting at just £300 per annum.
 

For a competitive quote fill-in our online application form and a member of our dedicated underwriting team will contact you to discuss your individual needs.

Once we have found the cheapest 'book' price we will then get in touch with the insurer directly to see what further discounts we can negotiate. 

Our agent has been helping motor traders to find the right insurance cover for more than 35 years, and because we are truly independent broker we can offer truly independent advice. It also means that we can provide cover for all types of motor trader, whether you're part-time or full-time. 

Please click here now for a quote or you can speak to a member of our underwriting team please telephone 0870 22 00 345 quoting Wise Money

Car insurances for a range of motoring insurance needs:Car Insurance Quotes , Women drivers insurance , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Taxi insurance quotes overview through Wise Money

Our taxi insurance company has been helping taxi drivers to find the right insurance cover for more than 35 years.

We work with the country's leading insurance companies to provide specialist taxi insurance that's comprehensive, affordable and flexible.

And because we are a truly independent broker, we can find the insurance package that best suits your needs; not ours. 

Please just click the TAXI INSURANCE QUOTES link and a member of our taxi insurance team will call to talk through your options.

* We can arrange competitive cover for all types of private and public hire vehicle, including black cabs, minibuses and MPVs
* Choose from 3, 6 or 12 month cover
* Monthly direct debit options are available on most policies - details available on request
* New drivers and start-up businesses welcome

Please just click the TAXI INSURANCE QUOTES link and a member of our taxi insurance team will call to talk through your options.

If you would rather speak directly with an underwriter please telephone 0870 220 0345 quoting Wise Money

Car insurances for a range of motoring insurance needs:Car Insurance Quotes , Women drivers insurance , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

High performance car insurance quotes Wise Money overview

High performance car insurance- just because you own a high performance car, doesn't mean that you have to pay sky high premiums.

We've has been driving down the cost of performance car insurance for more than 35 years. Whether you own a prestige sports car or a hot hatch; we can find the right cover at the right price.

High street insurers are often wary of performance cars because of the costs involved in replacement and repairs. At the same time most online insurance companies don't have flexible enough software to provide tailored quotes.

For a quick free PERFORMANCE CAR INSURANCE QUOTE please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants. 

Our quotation engine compares more than 450 policies from 30 of the country's best-know insurance companies to provide a competitive quote in a matter of minutes.

We then transfer your details to our experienced underwriting team to discuss your individual requirements. We know which insurers have specialist policies for daily vehicle use and which offer limited-mileage; who covers kit cars and who is best with imports.

By finding the policy that best suits your needs, we could save you as much as 30% based on a survey of our new customers in Jan 2006 . And what's more, if your second car is a performance car - we can normally award the equivalent no claims bonus you have earned on your first car.

For a quick free PERFORMANCE CAR INSURANCE QUOTE please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs: Car Insurance Quotes , Women drivers insurance , Young drivers insurance , Students car insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Student car insurance quotes at Wise Money's overview

Student car insurance- it's one of life's most irritating ironies that you have to pay the most for car insurance when you can least afford it.

And it's unlikely that you'll be more financially stretched than during your student days.

Circumstances seem to conspire against you to bump up the cost of your premiums: you haven't been driving long enough to earn a decent no claims bonus, shared accommodation means there isn't enough off-street parking and you've now got an expensive city-centre postcode.

For a free quick STUDENT CAR INSURANCE QUOTE please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants. 

The good news is that help is at hand with car insurance that needn't break the bank. We have teamed up with 30 of the country's leading insurance providers to offer a portfolio of more than 450 policies, many designed specifically with student drivers in mind.

Our online quote engine will give you a highly competitive quote in minutes and we will then put you in touch with one of our experienced underwriters who could save you up to 30% based on a survey of our new customers conducted in Jan 2006.

Because we have been arranging insurance since man first walked on the moon, we know the business inside-out. Each insurer has a different set of criteria when setting premiums and it's our job to find the cover that best suits your individual circumstances.

For a free quick STUDENT CAR INSURANCE QUOTE please click here now or your can telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs:Car Insurance Quotes Women drivers insurance , Young drivers insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Young driver car insurance quotes at Wise Money's overview

Young drivers car insurance quotes-  just because you are a young driver; doesn't mean that you have to pay through the nose for car insurance.

Many insurance providers automatically assume that youth means inexperience, which in turn means higher risk and higher premiums.

We think differently. With more than 35 years' experience and 450 policies to choose from, we know the insurance industry inside out; especially when it comes to cutting the cost of your cover.

Our online quotation engine compares policies from 30 of the country's leading insurance companies to produce a competitive quote in minutes. We will then pass your details on to our team of experienced underwriters who, based on a Quoteline Direct survey of new customers in Jan 2006, can make further savings of up to 30%.

There are a number of practical steps that young drivers can take to reduce insurance premiums, such as completing the government approved Pass Plus certificate - which can save you as much as 30%, or taking out a six month 'starter policy' to help build up your no claims bonus. Even something as simple as investing in a steering lock can pay financial dividends.

For a quick, cheap YOUNG DRIVER CAR INSURANCE QUOTE or your can telephone 0870 606 2805 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs: Car Insurance Quotes , Women drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Womens UK car insurance quotes at Wise Money's overview

Womens car insurance quotes-  It's a fact that women are safer drivers than men; and we believe it's only fair that you should be rewarded with cheaper car insurance.

We've teamed up with the country's leading insurers to offer a choice of more than 450 policies, many designed exclusively for female drivers. Whatever your personal circumstances; we are confident that we can find the right policy at the right price.

Why choose us?
* Based on a survey of our new customers in January 2006, we could save you as much as 30% on your current premium
* Having found the most competitive insurance package from our panel of 30 insurers, an experienced underwriter will then tailor the quote to suit your individual needs; saving even more on your car insurance
* Arrange instant cover and choose form a variety of payment methods (including monthly installments) Details available on request.
* We have policies to suit all women; irrespective of your driving history
* If you have been a named driver on your spouse's insurance policy, and can prove that you haven't made a claim, we can normally offer the equivalent number of years no claims bonus
* With 35 years of experience providing women's car insurance, and hundreds of thousands of policies managed you can trust us.

For a WOMANS CAR INSURANCE QUOTE or your can telephone 0870 444 2805 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs:Car Insurance Quotes , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Motor insurance quotes overview through Wise Money

Motor insurance quotes- if you're looking for cheap car insurance; you've come to the right place.

We've been cutting the cost of car insurance for more than 35 years and based on a new customer survey in Jan 2006, we could save you up to 30% on your current premium.

Our online quotation system searches more than 450 policies from the country's leading insurance providers to give you a competitive quote in minutes. It's then up to our team of experienced underwriters to tailor the quote to your individual circumstance and see how much extra you can save.

You'll save more than just time and money:
* Get a cheap online quote any time of the day or night
* Choose from a variety of payment methods, including monthly instalments (details available on request)
* Ex-company car drivers can transfer their no claims bonus. In fact, even if you have been driving on someone else's insurance, we can normally offer the equivalent no claims discount
* Our policies are provided by some of the best-known names in UK insurance, and because of our industry standing we have been able to negotiate favourable deals that aren't available to the general public

For a free MOTOR INSURANCE QUOTES or telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs:Women drivers insurance , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Motor trade insurance , Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Wise Money supports Every Click the Search Engine Charity

Wise Money supports everyclick.com, the search engine that helps charity. Everyclick.com donates half of its revenues to charity and it doesn’t cost you or the charity you choose to support a penny.

everyclick
Raise loot for Charity just by searching the web!

Go On – Give you mouse a heart ! Make www.everyclick.com your home page and raise finance for charity whenever you search the web.

More ways to raise money for your favourite charity

Select from over 200,000 UK charities, schools and good causes. Find out more...

Raise money:

Search - search the web
Shop - buy direct from the best retailers
Donate - make a donation
Sponsorship - build a fundraising page

146,182 people have raised £871,678.33

Information for Charity Staff

Everyclick provides all 200,000 UK registered charities with a comprehensive range of ways to fundraise online without any upfront cost.

With Everyclick more of the money donated goes to Charity; every £10 donation turns into £12.20 for the selected charity if Gift Aid can be reclaimed. There is a flat 4.8% fee taken on all credit and debit card transactions.

How companies can fundraise

We currently have 5,873 companies who use Everyclick as their preferred online fundraising resource. Everyclick helps them build brand values and awareness, enhance Corporate Social Responsibility (CSR) credentials and provide a focus for staff fundraising as well as supporting their favourite charity.

Companies may decide to launch an appeal, for instance for a staff challenge or other fundraising event. Their staff can use Everyclick to build a fundraising page, attract sponsors and keep track of their progress.

School fundraising ideas

Schools, colleges and universities can use Everyclick to help with school fundraising. They can launch an online appeal, enabling charity donations as pupils, staff and supporters search the web, shop online, donate cash or organise sponsorship for fundraising events.

If your school or university is a charity in its own right then your pupils, staff and supporters can become fundraisers, generating income from a sustainable source with minimal cost or effort.

Which charitable organisations can I fundraise for?

You can support any one of over 200,000 UK charities via Everyclick.

UK charity directory

Animal charities | Arts and Culture charities | Children and Young People charities | Community charities | Education charities | Environmental charities | International charities | Medical charities | Religious charities | Services charities | Sports charities | Welfare charities

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Wise Money- OFT licenced websites

Office of Fair Trading (OFT) Licenced websites

The Office of Fair Trading (OFT) on 24 October 2008 licenced our following websites under the UK's Consumer Credit Act 1974 for the purpose of marketing for loans in the UK. The Licence Number is 442874.

They are part of the WiseMoney.com Ltd group of websites. Which are focussed on financial services and helping people with their money matters primarily in the UK.

WiseMoney.com Ltd is committed to providing great value financial services. So as well as being licenced by the Office of Fair Trading, we are also registered with the Information Commissioner, registration number Z5407728.

1acredit.com
1aloan.com
1click-credit.com
1click-loan.com
1commercialloan.com
1home-loan.com
1stfinances.com
4borrowers.com
a1borrowing.com
ace-loan.com
acommercialloan.com
adverse-creditloans.com
ahome-loan.com
autos-financing.com
aviatorloan.com
bad-credit-lenders.com
bestadvice.com
bestfinance.com
bestfinances.com
bestloansbroker.com
bikerloan.com
borrowdirect.com
combinationloan.com
combinedloan.com
consolidatedebts.org
consolidationlender.com
contractor-loan.com
countrywidehomesloans.com
credit4borrowers.com
credit-centre.com
credit-repairer.com
creditrepairs.org
creditweblog.com
debt-consolidation-lender.com
directfinances.co.uk
easy-borrowing.com
equityreleaseloan.com
feesfreeloan.com
financesdirect.co.uk
flyingloan.com
holiday-loan.com
home-equityloans.co.uk
impairedcreditloans.com
instantloanbroker.com
kitchen-loans.com
loanscalculators.com
loans-champion.com
loanscomparison.com
loansweblog.com
mastersloan.com
manufinance.com
nofeesloan.com
online-loans-broker.com
poor-credit-loan.com
professional-loan.com
refinancingequityloans.com
secured-lender.com
selfemployedloan.com
sharialoan.com
tax-loan.net
tenantloans.biz
training-loan.com
travel-loan.com
unsecuredlender.com
unsecured-personal-loan.co.uk
unsecured-personalloan.com
vacation-loan.com
wedding-loan.com
wise-loan.com
wisemoney.com
wisemoney.co.uk

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

WiseMoney.com Awards

WiseMoney.com Ltd has already achieved the following accolades:

• Simon Dye the founder and Chairman of WiseMoney.com Ltd had his Chartered Marketer status confirmed for the tenth consecutive year by the Chartered Institute of Marketing, July 2008.
  
  

• Simon Dye the founder and Chairman of WiseMoney.com Ltd was awarded a Fellowship by the Chartered Institute of Marketing, October 2007.
  

• Simon Dye the founder and Chairman of WiseMoney.com Ltd was elected as Chairman of the Chartered Institute of Marketing's Market Industry Board, January 2007.
  

• Simon Dye the founder and Chairman of WiseMoney.com Ltd was elected as Chairman of the Chartered Institute of Marketing's South West of England and South Wales's Regional Board, January 2005.
  

• Simon Dye the founder and Chairman of WiseMoney.com Ltd was awarded the Winner of Business Link Gloucestershire's Lifetime e- Business Award, November 2004.
  

• The first and only financial services website that meets the SafeBuy Assurance Scheme for web-based retailers- and is endorsed by TrustUK, the industry self-regulatory body set up by the Consumers' Association and the Alliance for Electronic Business, supported by the UK Government, October 2003.
  

• Upgraded to a Four Star "Very Good" Star Rating by the international Shop Safe consumer guide for online shoppers- they only list online shops that meet their code of practice along with the best deals and bargains, September 2003.
  

• Awarded a Golden Web Awards for the years 2003- 2004 which was presented by the International Association of WebMasters and Designers, August 2003.
  

• First ecommerce organisation to successfully pass the new upgraded Investor In People review and recognised as continuing to meet the requirements of the national Standard for effective Investment In People, May 2003.
  

• Declared to be "Highly Recommended" in Business Link and the South West of England's Smart Thursday's e-Xemplar for helping local businesses to make online marketing profits, December 2002.
  

• Shortlisted as one of three finalists by the British Business Awards Association for their "Excellence in Marketing" awards, November 2001.
  

• Shortlisted as one of three finalists by the British Business Awards Association for their "Investors In People" awards, November 2000.
  
  
  
• Three page feature article written by the Editor in the "Investor In People" magazine in Autumn 2000.
  

• Showcased in the book “Here’s to the best of British” published by the Design Council in September 2000.
  
  
  
• "Internet Magazine" reviewed the leading financial services web sites in the UK and ranked WiseMoney.com to be one of the top seven in April 2000.
  

• Investors In People awarded by Business Link for our unique approach to staff development in March 2000.
  

• The Design Council and the Department of Trade & Industry awarded WiseMoney.com as the first retail Millennium Product website in August 1999.
  
  
  
• FIND the leading UK financial information website- awarded WiseMoney.com as "FIND.co.uk's" Website of the Week on July 1999.
  
  
  
• Which Online of the "Consumers' Association" first passed WiseMoney.com for selling financial services in July 1999.
  
  
  
• The Department of Trade and Industry in their "InterForum E-Commerce" awards commended WiseMoney.com for "demonstrating an exemplary use of electronic commerce" in June1999.
  

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Wise Money testimonials from happy customers

Wise Money Testimonials- below are kindly reproduced only some of our recent clients comments after we helped them:

Commercial Finance
"I have really appreciated your approach of the financing business. This is, to my opinion, the best way to build a good reputation in this world full of crooks and brokers and lenders who are proposing financing with a lot of hidden cost." Mr MK of Switzerland.

Refinancing
"Dear Simon, I am very impressed with how you and your company handles situations, never in my life has any company treated me with such respect as to feel as if I were your biggest patron. So I now bid you a good day and I look forward to continual business with you"- Mr N.S., USA.

Mortgages
"Thank you all at Wise Money for being so patient and helping me all of the way through with my mortgage application process- it certainly helped to have someone on my side."- Ms N.B., UK.

Currency Converter
"The opening of accounts and close contact for exchange rates has meant I have achieved a far better exchange rate than was expected. I would have no hesitation to recommend your company to others and look forward to many more dealings in the future."- Mr JH. of UK.

"Despite the time differences, our money was transferred from our UK bank account to our Australian bank account within 48 hours of contacting WiseMoney- and we saved considerably on the exchange rates, thanks."- Mr &Mrs AJ. of Australia.

Travel Insurance
"Thanks- your total travel insurance quote for our party of 4 people was actually cheaper than the quote just myself that the travel agency quoted me."- Mr S.B., UK.

Car Insurance
"I saved well over a quarter off my quote with your motor car insurance quote- many thanks!"- Mrs P.S., UK.

Home Insurance
"Cheers- I saved nearly a third off my original quote with your home insurance quote!"- Mr M.K., UK.

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

WiseMoney.com Ltd- information about us:

WiseMoney.com Ltd - Corporate Profile- information

WiseMoney.com is a free, independent online finances resource whose intention is to simplify the complicated world of finance and to save you time, money and worry in the process by comparing the best finance companies for you from around the world. 

We aim to simplify the financial services world and to help make you safe and secure with the personal touch.

WiseMoney.com homepage

We are based in England, UK and we adhere to all of our local legal requirements- which includes the Data Protection Act 1998 and this means that "This organisation is committed to upholding the eight Data Protection Principles of good information handling practice". We also apply this process where ever you live in the World.

Why should you join Wise Money?

· You can compare services form over 450 insurers and 350 lenders and apply online right now
· You are dealing with one of the most successful companies in the UK
· You are dealing with one of the largest independent international brokers providing financial services
· You will be treated as an individual with courtesy and care
· You will receive FREE help from experienced, trained assistants
· You will be joining tens of thousands of satisfied clients
· You will receive world class service

Wise Money.com Ltd - Our Philosophy

We were founded and launched in 1998 by Simon Dye MBA,DipM,MCIM, MAMA- a Chartered Marketer with decades of expertise in the marketing and financial services sectors who also created our philosophy:

Our pledge to you:
· To offer our visitors the best value financial services available
· To make financial services simple and straightforward
· To provide visitors with a resource where we actually care about helping you with your finances, whether you are a multi-millionaire or someone who is looking for ways to get counseling for bad debts which are ruining their lives.

Investors
WiseMoney.com Ltd. is currently a 100% privately owned company which has developed from purely organic growth and reinvested profits. We are not currently seeking external investment.

Company Details
Our registered Office is in England, UK- Registered Number is 3506015
at 24 Charlton Drive, Cheltenham, Glos GL53 8ES, UK.

Consumer Credit Licence Number- 442874
Data Protection Registration Number- PZ5407728

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Unsecured Loan through Wise Money in just 24 hours!

Unsecured loans through Wise Money can be couriered to your door in just 24 hours! As long as you are employed and you are over 18, you can apply.

£500 - £25,000
Sensible rates
Instant Yes or No
No money laundering documents
3 levels of PPP
Our courier delivers the funds to your door within 24hrs

Our lenders like to say Yes if you are a tenant and have no credit history, an adverse, bad or poor credit history, county court judgements (CCJs) or IVA - Individual Voluntary Arrangement.

You can borrow from £500 - £25,000 on an Unsecured Personal Loan to spend on anything you want. Whether it is for that dream holiday to the Caribbean, a new car or to consolidate existing debts. We could offer you the answer which you are looking for!

For UK loans seekers looking for a fast online unsecured loans calculator UNSECURED LOANS please click here now

Our lenders arrange unsecured loans & finance for both Homeowners and Tenants, whatever your credit history. They arrange finance for anybody, even those knocked back by high street lenders or suffering with bad credit problems such as CCJs, defaults or mortgage arrears.

Non secured loans do not use your property as a guarantee or security against the loan. They are the best option for homeowners who do not wish to put their property at risk. Non secured finance is also the best option for students, private renters, council tenants and people living in housing association properties. The majority of people in the UK would prefer unsecured loans given the choice. Please apply online today Now.

Being refused credit or having a bad credit rating is nothing to be ashamed of and we won't judge you either.

We may still be able to arrange finance for you even if you've been turned down or refused credit many times.

A bad credit history is just that, history. So why not fill in our online form today for a free quotation and perhaps we can turn your bad credit history into a positive result.

Non secured bad credit is for people who have had problems in the past, and now have a less than perfect credit rating. A bad credit finance does not require you to use your property as a guarantee or security for the credit either. As it is uneffected, the finance offers a little more flexibility to the borrower that does not wish to put their home at risk.

Non secured finances are, in the first instance, best suited to those with a bad credit history who do not wish to settle the credit against their property. In the second instance, an unsecured bad credit is often the only option for people or tenants who suffer with a bad credit history and have no property to secure the finance against.

Who can apply for bad credit?

The simple answer is anybody can apply for bad credit finance, however in reality before an application can be processed your age and employment status are taken into consideration.As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

For UK credit seekers looking for a fast online application APPLY NOW please click here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Travel money- great value currency converters through wise money

To order your foreign exchange holiday money cash deliveries in the UK for amounts less than £4,000, $5,000 or €5,000
Or for amounts of currency over £4,000, $5,000 or €5,000 please call 0845 389 3000 and ask for a no obligation, free consultation with theexclusive Wise Money business forex service or complete the online enquiry form

Specialists in selling foreign currencies and traveller's cheques. Our travel money service offers commission free currency at highly competitive rates.

Avoid the queues, unnecessary journeys and order your travel money from the comfort of your own home or office. Then let our speedy next working day delivery service to take over to ensure your money arrives at your door safely.

Place your order before 12:30pm and your money will be delivered by fully insured special delivery by 1.30pm the next working day.

Please note: Orders received before 12:30 pm on Friday will be delivered the following Monday. Orders received after 12:30 pm Friday or placed on Saturday and Sunday, will be delivered the following Tuesday. Special arrangements for Bank Holidays will be advertised on the site at the time.

There is absolutely no service fee or commission on the currency exchange transaction. There is a £4.95 handling fee to cover the cost of delivery and insurance. Orders over £300 when paid for by debit card and bank transfer will receive free delivery please select this option in the shopping cart.

Payment can be made securely over the Internet with any card bearing the Switch, Delta, Visa, MasterCard logo or by cheque, chaps, swift.

We also supply commission free, American Express Travellers Cheques, with the peace of mind offered by free insurance against theft and loss and a 24-hour replacement service.

To order your foreign exchange holiday money cash deliveries in the UK please click here now for amounts less than £4,000, $5,000 or €5,000

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Travel insurance quotes overview at Wise Money

Travel insurance quotes for holiday insurances, vacation insurance for you from around the world.

Fortravel insurance quotes from the UK, please click here now
For Travel insurance from the USA, please click here now

* Age coverage from 0 to 85 * Wintersports covered- skiing and snowboarding * Business Travel * Single or Multitrips * Wedding Cover
* Independent Travellers *10% internet discount...Automatically included when you do your quote * Special cover options available... For golf trips, cruises, sports and adventure holidays * 15% discount... If you choose to remove baggage cover * Discounts for children/ students... Special family rates for parents travelling with children up to 17 and full time students up to 23 * Immediate cover... Documents available online as you buy

Travel insurance- whether you travel for business or pleasure, international travel involves risk. You may arrive
at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not
provide adequate protection for these and other risks.

Winter Sports Cover
This option provides special extra cover for skiing, snowboarding and many other winter sport activities. Cover includes...
* Emergency medical assistance
* Skiing - off piste with a guide
* Accidental loss, theft or damage to your own or hired ski equipment
* Hiring replacement ski equipment should yours be lost, stolen or damaged
* Reimbursement of ski school fees, lift passes and hired ski equipment if you're injured or fall ill
* Loss of your lift pass
* The costs of transport to an alternative site due to lack of snow or if avalanche closes your resort

Business Trips
When your job involves travelling abroad, it’s essential you have specialist cover to protect you from the unexpected. Cover includes...
* Stolen or damaged business equipment – includes computers and samples
* Stolen or lost money – includes company money
* Additional accommodation and travelling costs for a colleague to take your place due to your injury or illness
* Hiring essential business equipment following loss or breakage or misdirection or delay in transit
* Purchasing necessary replacements should your business equipment be delayed or lost in transit
* Travel several times a year? Why not choose an annual multi trip policy. You could save money. This option will become available as you complete your quote

Wedding Cover
Our specialist cover is tailor made for couples getting married abroad. If you want peace of mind for your special day, cover with extra wedding cover is a must. Cover includes...

* Wedding rings, wedding gifts and attire should they be accidentally lost, stolen or damaged
* Wedding attire cover includes bride’s dress, groom’s suit, shoes and other accessories bought specially for the wedding
* Reasonable additional costs to take photographs/video recordings again if the professional originally booked is unable to attend due to illness or injury
* All the other standard benefits from your travel policy such as medical expenses, cancellation and a 24 hour English speaking emergency medical helpline

Independent Traveller
Do you choose to book your holiday direct, cutting out conventional agents and package holidays? If you’re an independent traveller, you probably need extra protection from your cover. Cover includes...

* The cost of transport and alternative accommodation if what you’ve booked becomes unusable due to a disaster or insolvency of the accommodation provider
* Fire, flood, earthquake, explosion, tsunami, landslide, avalanche or storm making your accommodation uninhabitable
* Irrecoverable, unused accommodation costs and charges because you are unable to travel
* All the other standard benefits from your travel policy such as medical expenses, cancellation and a 24 hour English speaking emergency medical helpline.

Wise Money- Making Your Travel Worry-Free!

For travel insurance quotes from the UK, please click here now
For Travel insurance from the USA, please click here now

Without appropriate cover, you may be exposed to significant financial liability.
Our experts have designed a number of international policies to
cover all of your risks!

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Tenant Loans through Wise Money- delivered to your UK door in 24 hours!

Tenant Loans through Wise Money. If you are a council tenant, private renter or part of a housing association you may need a tenant loan. Tenant loans are specifically designed for people who do not own their own property.

Our lenders provide more tenant credits than any other broker in the UK. Whatever your circumstances, even if you have bad credit, defaults or arrears, we can still help you get the finance that you require.

Tenant loans are the best option for all council tenants, most private renters and for people living with their parents. As long as you are in full time employment you are eligible for rental finance. Please contact us today to arrange a fast finance application with credit for any purpose.

* Available to all types of tenant
* Borrow any loan amount between £250 and £15,000
* Variable interest rates depending on your circumstances

For UK loans seekers looking for a fast online calculator TENANT LOANS please click here now

Our lenders arrange unsecured credit and finance, whatever your credit history. We arrange credit for anybody, even those knocked back by high street lenders or suffering with bad credit problems such as CCJs, defaults or mortgage arrears.

Are you suffering with an impaired finance history? Have you been refused credit, or finance, because of problems in the past? If you have, or suspect you have been refused finance because of a bad credit history, we can still help. A bad credit history does not mean that you can’t get an unsecured finance. Every month literally 1000’s of people who have a poor history get granted additional finance by using us.

Being refused or having a poor rating is nothing to be ashamed of and our lenders will not judge you either.

We may still be able to arrange finance for you even if you've been turned down or refused many times.

A poor finance history is just that, history. So why not fill in our online form today for a free quotation and perhaps we can turn your past into a positive result.

What is non secured finance?

A unsettled poor history finance is for people who have had problems in the past, and now have a less than perfect rating. An unsecured finance does not require you to use your property as a guarantee or security for the money either. As the finance is not settled against a property, the finance offers a little more flexibility to the borrower that does not wish to put their home at risk.

Who are non secured finances designed for?

Poor history finances are, in the first instance, best suited to those with a poor history who do not wish to secure the finance against their property. In the second instance, unsettled finance is often the only option for people or renters who suffer with an impaired history and have no property to balance the finance against.

Who can apply for finance?

The simple answer is anybody can apply for finance, however in reality before an application can be processed your age and employment status are taken into consideration.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Please click here now to APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Self Employed Loans through Wise Money including bad credit and debt consolidation

Self Employed Loans by Wise Money - UK calculators and UK mortgage calculators for contractors, consultants, company directors, freelancers- people in adverse, poor and bad credit situations, tenants, arrears or court judgments- monthly payments can be consolidated and reduced by up to 70%

For UK loans seekers a fast online calculator SELF EMLOYED LOANS please click here now
For UK mortgage holders looking for a fast online mortgage calculator APPLY NOW please click here now

Self Employed Loans- if your debts are becoming unmanageable you may be considering raising extra finance. This may mean you will be repaying your loan for a longer term but we could help you lower your monthly repayment to a more manageable amount.

Contractors, consultants, company directors and freelancers can be secured or unsecured: if you wish to borrow a considerable amount of money, or your credit history is poor, or you may just want the lowest possible interest rate, it may be necessary to secure your money against an asset you own, usually your house. Please complete the application form and our lenders will help you decide the best option for your situation.

Borrow £5,000 to £1,000,000
Borrow over 3 to 25 years
Simple, fast and straight forward
Free yourself from unwanted debts

For UK finance seekers looking for a fast online calculator APPLY NOW please click here now

Bad Credit History Finance- Even if you’ve got a bad credit history you can still apply for help. A bad credit history should not put you off applying for a loan and we have helped many customers who have been turned down in the past by other lenders.

You may need finance to provide extra cash, to buy a van, take a short break, or to pay off credit or an overdraft. Whatever you need the finance for we will consider your application.

Being refused credit or having a bad credit rating is nothing to be ashamed of and we won't judge you either.

We may still be able to arrange an unsecured bad credit loan for you even if you've been turned down or refused credit many times.

A bad credit history is just that, history. So why not fill in our online form today for a free unsecured bad credit quotation and perhaps we can turn your bad credit history into a positive result.

We specialise in helping those previously refused by other companies and high street lenders. Finance for tenants, homeowners, and anybody with bad credit or credit difficulties such as CCJs, defaults or mortgage arrears.

We even arrange loans for the those who have difficulty in proving their income.

No matter what you need, experienced and friendly advisors will guide you every step of the way - so your loan application goes ahead quickly, easily and completely hassle free.

Personal finance- If you’re looking for personal finance talk to a adviser today to discuss your financing requirements. We work with a range of providers to ensure we can offer you good terms and interest rates on personal finance.

Your personal finance may be for any purpose, from a new vehicler to an overseas trip, whatever you want the additional money for we will try and help. Once your application has been processed, an in-principle decision can be made very quickly. When your application has been approved your money will be made available as soon as possible, and you are free to spend it as you wish.

Please click here now to APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Refinance Mortgage at Wise Money for self employed and people with bad credit histories

Refinance Mortgage- If you are looking for a remortgage for any purpose you've come to the right place. 

We are confident we can provide you with a competitive quote for your remortgage. You can use the money you borrow for any purpose and we will process your application quickly so your money can be made available as soon as possible.

You may want your loan for major home improvement work, a holiday, to pay school or university fees, to consolidate debts or to provide financial support for your children. Whatever you need to loan the extra money for we will be happy to listen.

For UK mortgage holders looking for a fast online mortgage calculator REFINANCE MORTGAGE- APPLY NOW please click here now

For UK loans seekers looking for a fast online loans calculator APPLY NOW please click here now

If you are looking for a mortgage, even if you have a poor credit history, come to us first to see what we can do. Your poor credit history does not exclude you from getting a mortgage or remortgage.

Even if your poor credit rating has meant you’ve had special terms imposed on remortgage quotes in the past, we have access to a number of suppliers of poor credit remortgages and have been able to help many customers with a poor credit rating to arrange a suitable remortgage.

Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your loans are granted you are free to spend the money on anything you wish.

Self Certification Mortgages- If you’re looking for a mortgage and can’t prove your income, a self certification mortgage may be just what you need.

Self certification mortgages are ideal if you can’t prove your income. This may be because you are self-employed, a freelancer, contractor or seasonal worker, or you may be paid on a commission-only basis, be an un-salaried company director or you may have more than one source of income such as income from investments.

If you’ve had problems finding a regular mortgage because you can’t prove your income please talk to our lenders about a self certification mortgage. We work with a number of suppliers who are happy to consider self certification mortgages. If this sounds like the type of mortgage you need talk to one of our advisers today to see what we can do for you.

Once we have all the details, your self certification mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay. 

Mortgage Finance- If you want to purchase a house and you’re looking for a mortgage why not take a look at our house purchase mortgages? Our team of advisors will help you to select the best mortgage from our range of lenders to suit your individual circumstances.

If features such as no early repayment penalties, transfer flexibility, or payment holidays are important to you these will be factored-in to our mortgage search. If these features are not important to you, our team of advisors will base the search on finding you the most suitable house purchase mortgage available to suit your particular circumstances.

Once we have all the details, your house purchase mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay. If you need a mortgage for your house purchase urgently you may like to consider a taking out a bridging loan to ensure your house purchase can go ahead quickly.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote?

At Wise Money we work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different personal circumstances.

You can choose between a secured or an unsecured credit and it can be for any purpose. All we ask is that you can meet the monthly repayments and that you’re a UK resident.

You can expect a prompt and efficient service. An in-principle decision will be made as soon as possible and once yourapplication has been fully processed your money is made available to you as quickly as possible which you are then free to spend as you wish.

Please click here now to APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Refinance Calculator at Wise Money for self employed and people with bad credit histories

Refinance Calculator- If you are looking for a remortgage for any purpose you've come to the right place.

We are confident we can provide you with a competitive quote for your remortgage. You can use the money you borrow for any purpose and we will process your application quickly so your money can be made available as soon as possible.
You may want your loan for major home improvement work, a holiday, to pay school or university fees, to consolidate debts or to provide financial support for your children. Whatever you need to loan the extra money for we will be happy to listen.
If you are looking for a mortgage, even if you have a poor credit history, come to us first to see what we can do. Your poor credit history does not exclude you from getting a mortgage or remortgage.

For UK mortgage holders looking for a fast online mortgage calculator REFINANCE CALCULATOR please click here now

For UK loans seekers looking for a fast online loans calculator APPLY NOW please click here now

Even if your poor credit rating has meant you’ve had special terms imposed on remortgage quotes in the past, we have access to a number of suppliers of poor credit remortgages and have been able to help many customers with a poor credit rating to arrange a suitable remortgage.
Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your loans are granted you are free to spend the money on anything you wish.


Self Certification Mortgages- If you’re looking for a mortgage and can’t prove your income, a self certification mortgage may be just what you need.
Self certification mortgages are ideal if you can’t prove your income. This may be because you are self-employed, a freelancer, contractor or seasonal worker, or you may be paid on a commission-only basis, be an un-salaried company director or you may have more than one source of income such as income from investments.
If you’ve had problems finding a regular mortgage because you can’t prove your income please talk to our lenders about a self certification mortgage. We work with a number of suppliers who are happy to consider self certification mortgages. If this sounds like the type of mortgage you need talk to one of our advisers today to see what we can do for you.
Once we have all the details, your self certification mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay.
Mortgage Finance- If you want to purchase a house and you’re looking for a mortgage why not take a look at our house purchase mortgages? Our team of advisors will help you to select the best mortgage from our range of lenders to suit your individual circumstances.
If features such as no early repayment penalties, transfer flexibility, or payment holidays are important to you these will be factored-in to our mortgage search. If these features are not important to you, our team of advisors will base the search on finding you the most suitable house purchase mortgage available to suit your particular circumstances.
Once we have all the details, your house purchase mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay. If you need a mortgage for your house purchase urgently you may like to consider a taking out a bridging loan to ensure your house purchase can go ahead quickly.
As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.
Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote?
At Wise Money we work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different personal circumstances.
You can choose between a secured or an unsecured credit and it can be for any purpose. All we ask is that you can meet the monthly repayments and that you’re a UK resident.
You can expect a prompt and efficient service. An in-principle decision will be made as soon as possible and once yourapplication has been fully processed your money is made available to you as quickly as possible which you are then free to spend as you wish.

Please click here now to PLEASE APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Poor Credit Loans through Wise Money

Poor Credit Loans- are you suffering with a bad finance history? Have you been refused credit, or a loan because of problems in the past? If you have, or suspect you have been refused finance because of a bad ratings history, we can still help you. 

A bad ratings history does not mean that you can’t get secured or unsecured finance. Every month literally 1000’s of people who have a poor history get granted additional finance by using us.

As long as you are employed and you are over 18, you can apply!

* All types of tenants
* Home owners
* From £500 to £25,000
* Finance is available even if you have CCJ's, defaults, or a generally bad ratings history.

For UK finance seeekers looking for a fast online calculator POOR CREDIT LOANS please click here now

Being refused or having an impaired rating is nothing to be ashamed of and we won't judge you either. We may still be able to arrange finance for you even if you've been turned down or refused many times.

A bad finance history is just that, history. So why not fill in our online form today for a free quotation and perhaps we can turn your past into a positive result.

You may need to arrange finance for a new car, a well-deserved holiday, home improvements, to pay school or university fees, or to pay off cards or an overdraft. Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your finance is are granted you are free to spend the money on anything you wish.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote? We work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different personal circumstances.

Unsecured bad history finances are for people who have had problems in the past, and now have a less than perfect rating. An unsecured finance does not require you to use your property as a guarantee or security for the money either. As it is unsecured, the finance offers a little more flexibility to the borrower that does not wish to put their home at risk.

Who are unsecured impaired finances designed for?

Unsecured bad history finances are, in the first instance, best suited to those with an impaired history who do not wish to secure the finance against their property. In the second instance, an unsecured finance is often the only option for people or tenants who suffer with a bad history and have no property to secure the finance against.

Who can apply for unsecured finance?

The simple answer is anybody can apply for an unsecured finance, however in reality before an unsecured application can be processed your age and employment status are taken into consideration.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Please click here now to APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Pet insurance quotes in the UK- Wise Money's overview

Wise Money's pet insurance quotes to suit every budget and situation. We offer a variety of benefits and cover for either a Standard or Gold cover to best suit your needs and your pet's protection can start immediately. Premiums start from only £56 per year!

Please click here now for your PET INSURANCE QUOTES

Pet insurance which is designed by pet owners, our Wise Money Pet Care Insurance offers real peace of mind for owners of cats and dogs up to 10 years old. So when the need for a vet arises, you can cater for your pet's welfare and not worry about the cost of vital treatment. To suit every budget and situation we offer a choice of standard or Gold cover.

Your pet insurance quote will cover you for:
Vets fees in the event of your pet suffering from an accident or an illness
Death and loss by theft or straying
Third party costs if your pet causes an accident that you then become liable for
Advertising costs and reward if your pet is lost or stolen
Boarding fees if you become hospitalised

Your pet insurance will not cover you for:
The first £50 of each claim except in the case of third party liability claims where no excess applies
Any illness which is pre existing or appears in the first 30 days of the commencement of the policy
Routine health care such as dental treatment, vaccinations, worming and flea control
Death from illness where the pet is over 7 years and 11 months of age

Please click here now for your pet insurance quote!

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Personal Loans Calculators at Wise Money

Personal Loans Calculator You may want your loan for major home improvement work, a holiday, to pay school or university fees, or to provide financial support for your children. 

Whatever you need to finance the extra money for we will be happy to listen.

Your loan can be for any purpose and once we have received your completed form your application will be processed quickly to ensure your finance is granted as soon as possible. Once your finance is granted you are free to spend your money on anything you wish.

Borrow £5,000 to £1,000,000
Borrow over 3 to 25 years
Simple, fast and straight forward
Free yourself from unwanted debts

For UK loans seekers looking for a fast online PERSONAL LOANS CALCULATOR APPLY NOW please click here now

For UK mortgage holders looking for a fast online mortgage calculator APPLY NOW please click here now

Being refused credit or having a bad credit rating is nothing to be ashamed of and we won't judge you either.

We may still be able to arrange an unsecured bad credit loan for you even if you've been turned down or refused credit many times.

A bad credit history is just that, history. So why not fill in our online form today for a free unsecured bad credit loan quotation and perhaps we can turn your bad credit history into a positive result.

We specialise in helping those previously refused by other companies and high street lenders. Finance for tenants, homeowners, and anybody with bad credit or credit difficulties such as CCJs, defaults or mortgage arrears.

We even arrange loans for the self-employed and those who have difficulty in proving their income.

No matter what you need, experienced and friendly advisors will guide you every step of the way - so your application goes ahead quickly, easily and completely hassle free.

What is unsecured bad credit?

Unsecured bad credit is for people who have had problems in the past, and now have a less than perfect credit rating. An unsecured bad credit does not require you to use your property as a guarantee or security for the credit either. As it is unsecured, the credit offers a little more flexibility to the borrower that does not wish to put their home at risk.

Who are the finances for?

Unsecured Home Loan Calculator are in the first instance, best suited to those with a bad credit history who do not wish to secure the loan against their property. In the second instance, unsecured bad credit is often the only option for people or tenants who suffer with a bad credit history and have no property to secure the credit against.

Who can apply for credit?

The simple answer is anybody can apply for an unsecured bad credit loan, however in reality before an application can be processed your age and employment status are taken into consideration.

You may need to arrange finance for a new car, a well-deserved holiday, home improvements, to pay school or university fees, or to pay off credit cards or an overdraft.

Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your credit is granted you are free to spend the money on anything you wish.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote?

At Wise Money we work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different circumstances.

You can choose between a secured or an unsecured credit and it can be for any purpose. All we ask is that you can meet the monthly repayments and that you’re a UK resident.

You can expect a prompt and efficient service. An in-principle decision will be made as soon as possible and once your application has been fully processed your money is made available to you as quickly as possible which you are then free to spend as you wish.

Please click here now to APPLY NOW online here now

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Motor trade insurance quotes through Wise Money

Motor trade insurance provides protection for anyone working with motor vehicles; from car dealerships to MOT test centres.

While policies are tailored to your specific business needs, cover can be divided into two basic categories: road risk and combined policies. Motor trade insurance quotes- for a quick, cheap quote.

Road risk insurance covers vehicles belonging to (or associated with) your business; allowing you to be on the road and to trade legally. Combined policies provide cover for every aspect of your business, including: material damage, business interruption, public/ employers' liability and goods in transit. Please click here now for a quote.

Wise Money has partnered with the country's leading insurance companies to provide specialist motor trade policies starting at just £300 per annum. For a competitive quote fill-in our online application form and a member of our dedicated underwriting team will contact you to discuss your individual needs.

Once we have found the cheapest 'book' price we will then get in touch with the insurer directly to see what further discounts we can negotiate. Our agent has been helping motor traders to find the right insurance cover for more than 35 years, and because we are truly independent broker we can offer truly independent advice. It also means that we can provide cover for all types of motor trader, whether you're part-time or full-time.

To speak to a member of our underwriting team please telephone 0870 22 00 345 quoting Wise Money

Car insurances for a range of motoring insurance needs:Car Insurance Quotes , Women drivers insurance , Young drivers insurance , Students car insurance , Performance cars insurance , Caravan insurance , Taxis insurance, Van and commercial insurance , Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Motor insurance quotes overview through Wise Money

Motor Insurance Quotes- if you're looking for cheap car insurance; you've come to the right place.

We've been cutting the cost of car insurance for more than 35 years and based on a new customer survey in Jan 2006, we could save you up to 30% on your current premium.

Our online quotation system searches more than 450 policies from the country's leading insurance providers to give you a competitive quote in minutes. It's then up to our team of experienced underwriters to tailor the quote to your individual circumstance and see how much extra you can save.

You'll save more than just time and money:
* Get a cheap online quote any time of the day or night
* Choose from a variety of payment methods, including monthly instalments (details available on request)
* Ex-company car drivers can transfer their no claims bonus. In fact, even if you have been driving on someone else's insurance, we can normally offer the equivalent no claims discount
* Our policies are provided by some of the best-known names in UK insurance, and because of our industry standing we have been able to negotiate favourable deals that aren't available to the general public.

For a free online quote please click here now or telephone 0870 444 2515 quoting Wise Money to speak to one of our insurance consultants.

Car insurances for a range of motoring insurance needs:Women drivers insurance, Young drivers insurance, Students car insurance, Performance cars insurance, Caravan insurance, Taxis insurance, Motor trade insurance, Van and commercial insurance, Motorcycle insurance and Breakdown insurance cover

The contents of this blog are for information purposes only. It is not intended as a recommendation to trade or a solicitation for funds. The Wise Money Blog cannot be held responsible for any loss or damages arising from any action taken following consideration of this information.

Mortgage Refinance at Wise Money for self employed and people with bad credit histories

Mortgage Refinance- If you are looking for a remortgage for any purpose you've come to the right place. 

We are confident we can provide you with a competitive quote for your remortgage. You can use the money you borrow for any purpose and we will process your application quickly so your money can be made available as soon as possible.

For UK mortgage holders looking for a fast online MORTGAGE REFINANCE APPLY NOW please click here now

For UK loans seekers looking for a fast online loans calculator APPLY NOW please click here now

You may want your loan for major home improvement work, a holiday, to pay school or university fees, to consolidate debts or to provide financial support for your children. Whatever you need to loan the extra money for we will be happy to listen.

If you are looking for a mortgage, even if you have a poor credit history, come to us first to see what we can do. Your poor credit history does not exclude you from getting a mortgage or remortgage.

Even if your poor credit rating has meant you’ve had special terms imposed on remortgage quotes in the past, we have access to a number of suppliers of poor credit remortgages and have been able to help many customers with a poor credit rating to arrange a suitable remortgage.

Your finance can be for any purpose and your application will be processed quickly to ensure your monies are granted as soon as possible. Once your loans are granted you are free to spend the money on anything you wish.

Self Certification Mortgages- If you’re looking for a mortgage and can’t prove your income, a self certification mortgage may be just what you need.

Self certification mortgages are ideal if you can’t prove your income. This may be because you are self-employed, a freelancer, contractor or seasonal worker, or you may be paid on a commission-only basis, be an un-salaried company director or you may have more than one source of income such as income from investments.

If you’ve had problems finding a regular mortgage because you can’t prove your income please talk to our lenders about a self certification mortgage. We work with a number of suppliers who are happy to consider self certification mortgages. If this sounds like the type of mortgage you need talk to one of our advisers today to see what we can do for you.

Once we have all the details, your self certification mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay.

Mortgage Finance- If you want to purchase a house and you’re looking for a mortgage why not take a look at our house purchase mortgages? Our team of advisors will help you to select the best mortgage from our range of lenders to suit your individual circumstances.

If features such as no early repayment penalties, transfer flexibility, or payment holidays are important to you these will be factored-in to our mortgage search. If these features are not important to you, our team of advisors will base the search on finding you the most suitable house purchase mortgage available to suit your particular circumstances.

Once we have all the details, your house purchase mortgage will be processed as soon as possible to ensure your funds are available so you can complete your house purchase without delay. If you need a mortgage for your house purchase urgently you may like to consider a taking out a bridging loan to ensure your house purchase can go ahead quickly.

As long as you are employed and you are over 18, you can apply. Please contact us today for a free no obligation quote.

Our lenders provide some of the most competitive finances in the UK. So if you’re looking for a help and you’re a UK resident why not ask for a quote?

At Wise Money we work with a number of different financial services providers. As a result we find that we are able to provide competitive rates and terms for a wide range of different personal circumstances.

You can choose between a secured or an unsecured credit and it can be for any purpose. All we ask is that you can meet the monthly repayments and that you’re a UK resident.

You can expect a prompt and efficient service. An in-principle decision will be made as soon as possible and once yourapplication has been fully processed your money is made available to you as quickly as possible which you are then free to spend as you wish.

Please click here now to APPLY NOW online here now