The best discounts on a new car

Motor dealers absolutely adore this time of year as people flock through the door to put a deposit on a car adorned with the latest number. But that doesn't mean the salesman has to be in the position of strength when it comes to negotiating the price you pay. We've teamed up with car buying site CarWow to tell you which models have the biggest savings.

Nobel Prize-winning economist Joseph Stiglitz issued a bleak presdiction that 'Europe, the source of the Enlightenment, the birthplace of modern science, is in crisis'.

INVESTMENT EXTRA: Which tech star is the next takeover target after ARM Holdings?

The £24billion takeover of ARM Holdings by Japan's SoftBank may be bad news for Britain's tech industry but it has got investors very excited about the prospects of other takeovers in the sector. This week shareholders gave the seal of approval to the acquisition of the Cambridge-based business, sparking a flurry of activity among many other technology stocks on the FTSE.

NEW The retail giant is giving its lowest-paid employees a 14.7 per cent rise to £8.50 an hour or £9.65 in London, well above the current legal minimum of £7.20.

The report suggested that while they were small rises, they cancelled out the fall in the average price of both fuels that took place in July.

The sector had plunged to seven-year lows in July, stoking fears of a Brexit blight on British building, but the purchasing managers' index hit 49.2 in August.

Britain's biggest builder of homes for retired people, warned it will struggle to hit its growth targets this year after seeing 'some weakness' in the housing market since the end of June.





Brickmaker Ibstock sinks 7% after Diamond BC sells £71m worth of shares

Luxembourg-based Diamond BC sold at 175p each - or a total of £70.9million - as it cut its stake in Ibstock from 47 per cent to 37per cent. The move sent Ibstock shares tumbling with the stock closing down 6.8 per cent, or 12.7p, at 173.5p. The FTSE 100 had its best day since June 30, advancing 2.2 per cent, or 148.63 points, to 6894.60. The blue-chip index is now at a two-week high, pushed higher by disappointing jobs figures in the United States which fuelled speculation the Federal Reserve will not raise interest rates this month.

You know that Margrethe Vestager, the EU's competition commissioner, is doing a good job when her ruling on £11billion of Apple tax avoidance reverberates around the world.

Analysts, who had expected 180,000 new jobs to be created and the unemployment rate to fall to 4.8 per cent, said a rate rise this month now looks less likely.

Joseph Stiglitz, the softly-spoken, rolly-polly, bearded analyst argues that the economics of the euro were disastrously

Next, Marks and Spencer and Sports Direct are among the biggest stock market losers of the past year as they struggle to tempt customers to splash out amid fierce competition.

The share awards could be the first step towards wider John Lewis-style share ownership for employees of her company, Victoria Beckham Ltd.

What Car?'s new true MPG test finds current fuel economy claims exaggerate by 30%

The most fuel-efficient car tested is the Vauxhall Astra 1.6 CDTi 110 Ecoflex, which returned 56.3mpg. Even this, though, is a long way short of the 83.1mpg the official figures say you'll get.

There are fewer things in this world more British than the Spitfire and Aston Martin. And now you can have the two combined with this £180,000 model built to commemorate the iconic fighter plane.

Thousands of buyers considering investing in one of the UK''s shared ownership scheme are among the 500,000 savers who have opened one of the government's flagship Help to Buy Isa.

Lord of the manor without the financial responsibility: The irresistible appeals of living

Developers cottoned on to this idea decades ago, offering a chance to live in an historic site, but without having to take financial responsibility for the entire estate. Certainly that's what appeals to Peter Webber, a buyer at Clevedon Hall Estate in Somerset. He bought a two-bedroom house in the grounds of the listed mansion, which was once owned by the sugar refinery magnet, Conrad William Finzel, and he has no regrets.

Spencer Bloomfield, founder of ready meal start-up YOLO, left school without GCSEs. Here he reveals his top tips to bag your dream job - even if you didn't get the results you wanted.

Virgin Media gave me a cheap one-year deal now it's upping my bills by £3.49 a month

In March, I was set to leave Virgin Media - but it enticed me in with a cheaper annual deal. However, it has now written to me to say prices are going up £3.49 a month. Is this fair? I have spoken to its customer service team but was told everyone must pay this new amount. It seems wrong to me.

I have made recent purchases in Dorothy Perkins and Topshop - but have been told I can no longer keep the clothes hangers. Is this a new policy and if so, why?

If you don't shop around, you're often charged a mugs' premium, because the company will put you on an expensive tariff knowing you're probably not going to notice or do anything about it.

Average easy access account now pays less than 0.5% after 354 rate cuts in August

Moneyfacts said the average easy access rate on offer is now just 0.49 per cent, down from 0.54 per cent on August 1. Fixed deals have tumbled too since the Bank's unprecedented action. Even if you are willing to tie up your money for two years, major High Street banks are paying below 1 per cent.

Co-op Energy customers with a prepayment meter will be hit with a six per cent increase from October 1st, pushing annual bills up £69 to an average of £1,184.

Men have an average of around  £487 spare cash at the end of the month, compared to £369 for women, data by reveals.

When is the best time to sell a car?

A former car dealer tells us why the plate change, Budget statements and the World Cup can severely reduce the amount of money you get for a car you have for sale. The type of vehicle you're advertising is also impacted by the time of year - find out when's best to sell a 4x4 or convertible.

Taking into account overall performance, network reliability, speed, data provision, calls and texts, EE came out on top above Three, Vodafone and O2, RootMetrics said.

Trackers added to the list of recommended funds include Legal & General UK Index, which is priced at 0.06 per cent a year and can't be got cheaper anywhere else, according to Hargreaves.

HENDERSON SMALLER COMPANIES: It’s risky - but a bet on small firms can mean big profits

Recent additions to the portfolio include Smart Metering Systems, which the team expects to benefit from the nationwide roll-out of energy smart meters, and Accesso, which offers online ticketing services. Fund manager Neil Hermon has been topping up his investments in housebuilders since their shares have taken a hit in the wake of the EU referendum. The biggest holding in the trust is Bellway.

Cambridge-based Excivion is now looking for backers to match that funding and bring immunisation for the mosquito-borne virus to market by 2023.

The Toronto-listed bidder, its subsidiary and president between them own 29.6 per cent of the AIM-listed group, which is currently valued at £45million.

After the shock departure of boss Manny Roman for rival mutual fund manager Pimco, Mark Jones has moved to be group chief financial officer from his current position.

ASOS said Swiss cycle wear firm Assos and German menswear retailer Anson's Herrenhaus were given the payout in order to secure a 'comprehensive co-existence for all parties'.

Go-Ahead's boss made conciliatory noises but tried to shift the blame onto the network, strikes and staff absences as the firm announced a 27 per cent rise in profits to £99.8million.

Pensioners in danger of missing guaranteed income because they don’t know about it

The chance to lock into a government scheme by paying national insurance class 3A voluntary contributions is only open for the next few months. With rates plummeting on bank savings deals and annuities from insurance companies, which provide guaranteed income for life, the State Pension Top Up offers a much better deal.

This is the case when you look at what has happened to the pensions industry and how the Government has chipped away at long-term saving incentives. But there is a fundamental problem.

We look at the myths about property and pensions, and analysed the numbers to see what really has been the better way of saving for a retirement in the past 25 years.

Do absolute return funds always make money?

Nervous investors have been flocking to absolute return funds - hoping they will shelter their cash from stock market turbulence. But experts fear many savers are not aware that while these funds aim to make savers money, there are no guarantees.

The new allowance will be added to the usual 25 per cent tax-free cash everyone can withdraw from their savings, the Government has announced.

Prudential ranked counties and cities on the basis of factors such as the weather, crime levels, access to healthcare, number of retirees already living there and pension income.

ASK TONY: Santander is charging me £10,000 to repay my mortgage early

Around nine years ago, I took out a £135,000 mortgage. It was a fixed rate at 5.5 per cent, with a £10,000 penalty if repaid before the term expired. I thought the penalty would be reducing pro-rata. To send my daughter to private school, we changed the mortgage to interest-only. However, I was finding the mortgage repayments challenging so I sold my home. I want to pay off my mortgage with the proceeds, but face the penalty charge. I have contacted Santander to ask for a reduction, but to no avail.

Why a 20ft driveway will cut your home insurance

Home and car insurance firms are secretly drawing up plans to collect details about your hobbies, habits at home and even the length of your driveway to decide how much you pay for cover. They want to monitor social media and property records, as well as striking deals with other firms to use personal information they have never had access to before in order to set premiums. They could even tap into customers' home security systems so they know when properties are left empty.

Tens of thousands of bank customers are due a refund after Royal Bank of Scotland wrongly charged students interest on their overdrafts - over a 14-year period.

Ever since Yvonne bought a £20 blender advertised in a magazine, she's been bombarded with junk mail after her name was put on the so-called suckers list.

Last month,  the wealthiest 20 per cent of UK families earned an average of £1,890 per week, which is around ten times more than the lowest-earning 20 per cent, Asda's Income Tracker reveals.

The average UK property value hit a record £206,145 in August, up 5.6 per cent annually, according to Nationwide. The rate of price growth accelerated from 0.5 per cent recorded in July to 0.6 per cent.

The 5 best small cars with automatic gearboxes

Back in the day, automatic gearboxes were the preserve of big cars with big engines. But these days, you can get them in more or less every segment of the market. Here are the best choices.

Charter Savings Bank has launched a one-year fixed-rate bond paying a top 1.46 per cent online. Fixed deals have tumbled since the Bank of England cut base rate to 0.25 per cent at the start of this month.

Adult saving rates have fallen but children can still earn a top 4 per cent in the right account. Whether you can earn the top rate often depends on where you live, your child's age and what they want to use it for.

Santander's 123 account 'costs it £1BILLION a year'

Santander's popular 123 account has been costing it £1billion a year to run, a report today suggests. Nearly four million people have opened the account since it was set up in 2012, enticed by a very competitive interest rate and up to three per cent cashback on household bills. However the bank announced earlier this month the interest rate will be slashed from three per cent to 1.5 per cent.

Citizens Advice found a quarter of people are not asked about their financial situation or how they will repay the loan. Some lenders even demand borrowers share their online banking details.

Nationwide caseworkers will have the power to waive late payment fees, extend overdrafts or offer mortgage repayment holidays. It launched the service for customers with cancer in October.

Prosperity on the rise across the UK with one in 67 people calling themselves a

Every region in the UK is more prosperous than it was 12 months ago, new findings suggest. While London remains the most affluent area in terms of the number of millionaires, earnings and sky-high property prices, Scotland enjoyed the biggest boost to household wealth over the period, Barclays said. The North East of England emerged as the least prosperous region in the UK, but even here, average earnings rose 6 per cent in the year.

Fifty-one per cent of adults under 25 say they regularly worry about money, and 21 per cent lost sleep as a result, the National Debtline survey found.

One in three people would be trusting enough to transfer cash to an unknown account if they were called by someone posing as their bank or building society, shock research shows.

The Bank of England said there were 60,912 mortgages approved in July, with a total value of around £10.4billion , down from the 64,152 approvals in June.

Top tips on how to get your credit score up to scratch

If you are thinking of getting on the property ladder in the next year, making sure your credit rating is in tip top condition will be a top priority.
Getting your credit score in shape will help avoid mortgage rejection and helping you to get the best rate on your home loan. Here are This is Money's top tips for getting your credit file in order

Would Britons really want to buy one? The last C5 - Citroen's answer to the BMW 3 Series - was purchased by just 2,000 UK drivers a year on average during an 8-year production run.

This second-generation Panamera is new. Not as in 'tweaked a bit new' but 'new chassis, new engines, new transmission and everything else new'. Is it enough to make it the ideal school-run weapon?

TD Direct reveals top 25 fund manager stars of past decade

Outstanding investment managers who beat UK markets in a tumultous decade of boom, bust and recovery are celebrated in a new league table - topped by Mark Slater who runs MFM Slater Growth. He took the number one spot on TD Direct's top 25 'Best of British' list - triumphing over investor favourite Neil Woodfood. But all those who made the list have outperformed UK markets over the past 10 years, achieving an overall average return of 7.9 per cent against 5.8 per cent for the FTSE All Share index.

Here, we assess the state of the market and look at how savers can give their savings a boost amid a new era of ultra-low interest rates.

Do you baulk at paying £150 a month for private health insurance, but want to be financially prepared in case you can't get quick treatment on the NHS? The answer could be to 'self-insure'.

With the summer holidays over now is the time to learn a new skill

With the summer holidays over for many people and colleges promoting new courses, it is the time of year to consider whether you can benefit from a new skill or interest - perhaps at an evening class or local club. Here, The Mail on Sunday explores how to get pleasure from a pastime that could end up saving you lots of money. The average household spends more than £80 a week on food and drink. By honing your cookery skills and perhaps growing some of the ingredients, you will not only save money but serve up tastier meals.

Housebuilder Berkeley Group and builders merchant Travis Perkins are among those that could fall out of the top flight index, in the first reshuffle since the June referendum.

What is GDP? Find out in the Big Money Questions Show

GDP, GDP, GDP... it's a termed that's used relentlessly by politicians, in the media, by central bankers. But what actually is it, how is it calculated - and how useful a number is it? In this episode of the Big Money Questions, Professor of economics at the University of Manchester Diane Coyle gives an easy explainer and talks through the number's merits - and why it makes a lot of people very angry.

The purchasing managers' indexes of construction and manufacturing will give a snapshot of how companies performed in August and experts predict they will be better than the last set of data.

One of Britain's largest recruitment firms said the employment market has boomed since the EU referendum with an extra 30,000 new jobs on its books since the Brexit vote.

As the £5 note goes plastic interest in early banknotes is set to rise

The new note will be phased in so that by May 2017 it will have replaced the old fiver altogether - shops will then stop accepting paper £5 notes as legal tender. The Royal Mint is replacing the £1 coin from next March in a bid to beat fraudsters - as one in 30 £1 coins is believed to be a counterfeit.

The PayPlan research also revealed that Essex topped the list of the hotspots with the largest debts, with the average borrower owing as much as £18,508.

The figure has almost doubled in the last 13 years in the UK, with average annual fees for a day pupil soaring from £7,308 to £13,341 between 2003 and 2016.

50 ways to save money....

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

L Board sign on the rear of a blue saloon car , UK

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

Will the UK be Norway, Switzerland or Canada? Brexit trade deals we could follow

Now that we've voted ourselves out of the EU, it's time to work out how we're going to trade in future with all its 27 member countries - and the other 27 countries it has deals with. So how do other non-EU members trade with the bloc and would any of their models suit us?

It would have been nice to have a plan. Instead, after the Brexit vote we were left scratching our heads. But now it's time for some answers on trade and what we mean to the EU.

Even after Brexit it could still be possible for us to access the single market and the benefits that come with being part of it, but today we were warned there's a price to pay.

When will UK interest rates rise?

Asked on Radio 4's Today programme if there was a real prospect of a further cut in rates before the end of the year, the Bank's Ben Broadbent said, 'that's true'. Bank rate was cut yesterday to 0.25 per cent from its already record low level of 0.5 per cent, where it had remained for more than seven years.

What next for mortgage rates?

Markets went into turmoil following the momentous decision by the British people to leave the European Union on 24 June 2016. But what does all of this mean for mortgage rates?

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips


Partner services

Landlord insurance

Quick, easy - compare and buy today

Find a mortgage

Buy-to-let rates and advice

Boiler cover

Insure your heating system for less

Find tenants - from £9.99

Compare your pay to the UK average across 350 professions

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

September 2016
Prize value Winning bond No. Area
£1,000,000 79KW011670 Lancashire
£1,000,000 199BJ584357 Suffolk
£100,000 80WK626093 Wiltshire
£100,000 70YY171805 Reading
£100,000 214EL163615 East Sussex
£50,000 261YR399408 Shropshire
£50,000 239BJ874043 Hampshire and Isle of Wight
£50,000 212GN036345 Southampton
£50,000 137JJ131331 Inner London
£25,000 88MZ556624 Preston
£25,000 265MG649936 West Sussex
More Premium Bonds winners


Tourist rates

Currency Rate Buy now
Updated 03 Sep 2016.
Euro 1.1625 Buy Now
US Dollar 1.3025 Buy Now
Australian Dollar 1.7117 Buy Now
Canadian Dollar 1.7002 Buy Now
Chinese Yuan 8.51 Buy Now
Croatian Kuna 8.5561 Buy Now
Czech Koruna 31.148 Buy Now
Danish Krone 8.5565 Buy Now
Egyptian Pound 10.253 Buy Now
Hong Kong Dollar 10.019 Buy Now
Hungarian Forint 353.98 Buy Now
Icelandic Króna 142.81 Buy Now
Israeli New Shekel 4.7756 Buy Now
Japanese Yen 134.52 Buy Now
Malaysian Ringgit 6.2624 Buy Now
Mexican Peso 24.003 Buy Now
New Turkish Lire 3.7003 Buy Now
New Zealand Dollar 1.78 Buy Now
Norwegian Krone 10.733 Buy Now
Polish Zloty 4.9926 Buy Now
Singapore Dollar 1.757 Buy Now
South African Rand 18.892 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 11.008 Buy Now
Swiss Franc 1.2701 Buy Now
Thai Baht 44.28 Buy Now
UAE Dirham 4.7501 Buy Now

Monthly Or Lump Sum Savings Calculator

Monthly savings plan

Find out how much a regular monthly savings scheme could make me.

Or lump sum investments

Calculate how much a lump sum investment could be worth.


Mortgage Affordability Calculator

Your monthly payment

Enter how much you plan to borrow and find out your monthly bill. Assumes interest calculated annually.

Your total mortgage

Enter the amount you can afford to pay monthly (eg. your current rent) to find out how much you can borrow...

Are you over-stretching

How much of your income goes on your mortgage?