Ten years on from the great financial crisis who are the fund managers that have delivered? Maike Currie highlights five UK investors that not only survived the credit crunch but thrived. It hasn't been an easy landscape for investors to navigate, yet there have been managers who have rolled up their sleeves and managed to deliver market beating returns for their investors.
DON'T MISS
- We teach toddlers about dinosaurs but tell teenagers to measure their education as a return on investment - learning is about so much more than earning RACHEL RICKARD STRAUS.
- The death of dinner party buy-to-let... and why the easy gains from property have gone SIMON LAMBERT:.
- The best student bank accounts for 2017 and why freshers should ignore the tempting freebies
- China's debt binge could crash the entire world economy IMF issues stark warning as borrowing balloons.
- 'Non-store retailers' going out of business at record rates due to rise of internet firms Death of the door to door salesman?
- Borough council outs 13,000 tax-dodging landlords £200m in income tax could be missing in the capital alone.
- NS&I launches its first Junior Isa offering 2% interest... - but there are more than a dozen accounts with better rates on the market.
- Older homeowners stand to lose £29k moving to a smaller home (and stamp duty's only half of it!) Shocking cost of downsizing revealed.
- Get 20% income boost from top one-year bonds Abandon the big banks to get a better rate.
- Aston Martin's new Vanquish Zagato Shooting Brake is a 600bhp big-booted estate car Enough room for 007's groceries.
- How safe is my Isa in an online investing account, what if the firm goes bust? INVESTMENT CLINIC.
- Vodafone adds sneaky £1-a-month charge to contracts of a million mobile phone users EXPOSED.
- The great smart meter hard sell Energy firms accused of pressuring customers into getting new devices - even though it's optional.
- Barclays customers will be locked out of telephone and online banking for one weekend a month for the rest of the year Web blackout.
- Don't let tax chaos rob YOUR family of childcare perks As yet another HMRC shambles hits parents, our guide will help you get what you're owed.
- How do my wife and I legally avoid paying any tax on our £22,700 pension income? Former pensions minister Steve Webb replies.
- The age of the stealth fee... where you need only take your eye off the ball for a split second to get ripped off DAN HYDE.
- The sprawling Scottish six-bedroom country house that's gone on the market for £200k Yours for the price of a London studio flat!
- Isa rates hit 1.05% - but act quickly because online deal with Paragon Bank is unlikely to be around for long
SAVE MONEY, MAKE MONEY: OUR TIPS TO GET RICHER
- This is Money's five favourite best buy cash Isas
- Looking for a better bank? Five of the best current accounts
- Energy bills: Could you cut save by switching?
- Best credit cards for spending, holidays and rewards
- The best mortgage rates and should you fix?
- Ten tips for cheaper car insurance - and compare prices
- Best debit and credit cards for spending overseas
- The best and longest balance transfer credit cards
- Best (and cheapest) DIY investing Isa platforms
- Ten tips for buy-to-let and how to find a mortgage
BUSINESS & MARKETS
MARKETS CLOSE: FTSE 100 index drops sharply as Trump's White House descends further into chaos and Barcelona terror attack hits airlines
World stocks are in line for a second day of losses after an exodus of US executives from presidential business councils dealt a fresh blow to hopes of tax reform. Investors fled into German and US Treasury bonds and bought gold for the third day in a row, as the appeal of such top-notch assets grew further due to a deadly attack in Barcelona. The FTSE 100 index was down 63.89 at 7323.98.
MONEY NEWS & ADVICE
SIMON LAMBERT: The death of dinner party buy-to-let... and why the easy gains from property have gone
Buy-to-let was Britain’s favourite investing hobby. Today, dinner party chatter is as likely to be about why the numbers didn’t stack up for keeping your old flat, or buying another property. It’s not that we’ve fallen out of love with bricks and mortar but tax hikes and regulations have snatched the wind from our sails and buy-to-let investors must be much more careful nowadays.
The glamorous hotels that have been converted into flats and offer grand ballrooms and basement pools
These days you can check into hotels, even those with an illustrious past, full-time as an owner because many are being turned into houses. In Hertfordshire, Harpenden’s last hotel is set to become 37 homes, while a scheme of new apartments called 51 Degrees Latitude is being carved from a former hotel overlooking Tenby’s South Beach. In Sheffield, the city’s historic Beauchief Hotel will become 30 new homes and in Newquay, Cornwall, two hotels are being considered by the council for apartments.
China's debt binge could crash the entire world economy: IMF issues stark warning as borrowing balloons
Consumer, business and government debt has surged to 230 per cent of the country’s economy – sparking fears of a high-risk bubble which could burst at any moment. The new Chinese middle class is a vital driver of global growth, and a financial crisis in the country could plunge the planet into a fresh recession, it is claimed.
The best student bank accounts for 2017 and why freshers should ignore the tempting freebies
Opening a student bank account is one of the most important financial steps in gearing up for the start of a fresher’s university journey. The one school leavers choose will likely see them through their three plus years of study and longer, as inertia stops most people switching away from their existing bank.
NS&I; launches its first Junior Isa offering 2% interest - but there are more than a dozen accounts with better rates on the market
On the maximum subscription amount over a year, the NS&I; account would offer £83 tax-free interest. Junior Isas have a far smaller subscription limit than adult tax-free accounts with £4,128 allowed to enter the account for the financial year 2017/18. The NS&I; version can only be opened and managed online, with a minimum deposit of £1.
MORE BUSINESS & MARKETS NEWS
YOUR MONEY ESSENTIALS
How do my wife and I legally avoid paying any tax on our £22,700 pension income?
My wife and I get state pensions and I have a SIPP, giving a potential total income of £22,727 a year. Given that the current taxable personal allowance is £11,500 a year, what options are there for us to legally avoid paying any tax? Are we able to share each others taxable allowances? If possible, how do we go about it? Former pensions minister Steve Webb replies.
EXPOSED: Vodafone adds sneaky £1-a-month charge to contracts of a million mobile phone users
The new fee — which will net the telecoms giant millions of pounds a year — has been added to every new monthly contract taken out since February. Vodafone says the service offers customers extra protection against any harmful websites users may visit while surfing the internet. The so-called 'Secure Net' software is included on monthly contracts and is advertised as a 'free three-month trial' in Vodafone's promotional material.
Don't let tax chaos rob YOUR family of childcare perks: As yet another HMRC shambles hits parents, our guide will help you get what you're owed
Parents baffled by the Government's two new - and very complicated - childcare schemes risk losing out on vital perks if they don't act quickly. Yesterday we revealed parents fear losing nursery places or being hit with unexpected bills because of delays and technical problems with the taxman's website and helpline.
Yours for the price of a London studio flat! The sprawling Scottish six-bedroom country house that's gone on the market for £200k
If you've ever thought that owning a sprawling country house is out of your price range, it's time to look again. A stunning six-bedroom country property called Chesterhill House (pictured) has gone on the market for a mere £200,000. The asking price of the listed house in Scotland's Fife, which comes with three acres of land, is the same as a one-bedroom studio flat for sale in Haringey, North London (top right and bottom right). Chesterhill House comes with land and outbuildings, including a walled garden and some detached garages. It also has several distinctive architectural features, such as castellated parapets and a square plan tower. With an asking price of £200,000, it could be possible to purchase the property with a £20,000 deposit and an annual salary of £40,000 (based on banks lending 4.5 times annual income).
Small car shootout: Can Ford's new Fiesta retain its crown as best supermini, or is a Seat Ibiza or Skoda Fabia a better choice?
The small-car sector is of crucial importance in the UK and, pretty much since it was launched in 2008, the Ford Fiesta has led the way. Now there's a new one for 2017. The question is, can it retain supermini supremacy or is there a new champion of the compact-car market? Pictured from left to right: Seat Ibiza, Ford Fiesta, Skoda Fabia.
Are Britain's income fund investors too reliant on a handful of high dividend shares? Five ways to spread your risk
Investors use dividend-focussed funds to build their wealth or generate healthy income payouts, but an expert has warned these funds are over-reliant on just a few British companies. Adrian Lowcock, investment director at Architas, says many funds in the Investment Association UK Equity Income sector pile into the same handful of high dividend-paying shares. We look at five ways to avoid that.
A lesson in racing up a steep hill as fast as you can: We visit the world's oldest motorsport venue Shelsley Walsh to learn how to drive a hillclimb
Hillclimbing is one of the oldest forms of motorsport and is a spectacular event where competitors race uphill to set the fastest time. Hillclimbing became hugely popular in the UK after the First World War, with thousands of spectators turning out at public road courses to watch top drivers race. However, a run of accidents put paid to road racing in April 1925. It enjoyed great success again in the 1950s and 1960s and is run today on courses around the UK. We took a trip to the oldest one, Shelsley Walsh, to learn how to do it.
THIS IS MONEY'S FIVE OF THE BEST SAVINGS DEALS
RCI Bank pays 1.2% AER variable interest on its easy access deal - the Freedom Savings Account. Deposits have no FSCS protection, but you are covered for up to €100,000 by the French equivalent (FGDR).
Al Rayan Bank pays 2.02% AER fixed on its Fixed Term Deposit account. The top rate available on a one-year fix. The bank is Sharia compliant so it quotes an expected profit rate paid on maturity rather than interest on your deposit. All money is invested ethically.
The Post Office pays 1.01% AER variable interest on its easy-access, Online Isa. The account allows transfers from an existing provider, plus you can split tax-free savings between both instant access and fixed-rate products. Rate drops to 0.25% after 12 months
Paragon Bank pays 1.75% AER fixed interest if you lock your cash away in 1-year fixed-rate account. It requires a minimum £1,00 deposit and you can choose to recieve interest monthly or annually
Bank of Cyprus UK pays 1.22% AER fixed interest - the best one-year Isa deal available - to those with its new One Year Fixed Rate Cash Isa. The account allows transfers in and requires a minimum £500 deposit.
GUIDES: HOW TO SAVE MONEY AND MAKE MONEY
WHAT YOU NEED TO KNOW ABOUT YOUR MONEY?
50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings
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.
How much money do I need to save for my pension? A quick guide to retirement saving...
The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?
When will interest rates move? Bank worries over UK's debt addiction as economists speculate on an earlier rate rise
Worries over debt in the economy have been raised in the latest bank Financial Stability Report in the wake of fresh speculation that interest rates may rise sooner than most expect. The latest MPC meeting led one investment bank, Nomura, to suggest a rate rise could come as soon as August. Economist George Buckley said comments from Bank chief economist Andy Haldane's and the 5-3 split made an early move more likely.
What next for mortgage rates: Should you lock in to a cheap fix now?
Borrowers are being offered a raft of cheap fixed rate mortgages as lenders attempt to lure them into remortgaging or buying a home. But HSBC has decided to buck the trend and launch a new rate mortgage that is a tracker instead. We pick out the best fixed and tracker rate mortgages and look at what next for rates.
Ten tips for buy-to-let: the essential advice for property investors
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
ABOUT THIS IS MONEY
Premium Bonds winners
Prize value | Winning bond No. | Area |
---|---|---|
£1,000,000 | 87DH369559 | Leicestershire |
£1,000,000 | 164QV715020 | Bristol |
£100,000 | 78WT211368 | Kirklees |
£100,000 | 11BX061836 | London |
£100,000 | 108VH624020 | East Sussex |
£50,000 | 45HQ519519 | Stoke-On-Trent |
£50,000 | 305MT369656 | West Midlands |
£50,000 | 289WC671218 | Buckinghamshire |
£50,000 | 234JL749601 | Overseas |
£50,000 | 176CB195657 | Suffolk |
£25,000 | 53KL770998 | Kent |
THE INVESTING SHOW
- How to invest and achieve long-term returns that beat inflation and low savings rates
- 'Private investors have an advantage': Gervais Williams's tips to pick the best small company shares
- Britain is leaving the EU, but should Brexit-hit investors go the other way?
- Are stockmarkets too expensive to invest right now?
- Should you invest in India? We ask the manager whose fund is up 40% in a year what all the fuss is about
- Is it time to invest in Europe? It's not fixed yet, warns Tom Becket
- John Redwood: Has the French election rescued the euro?
- Will shares go off the boil or keep on rising?
- Tips to choose the best funds for your Isa
- Can you profit from the growing Chinese middle-class? We meet Fidelity China Special Situations manager Dale Nicholls
- Asset allocation - how to make sure all your eggs are not in one basket
- Emerging markets manager who returned 60% in a year: We meet Templeton's Carlos Hardenberg
- Where to invest for income and how to spot the best dividends
MOST READ MONEY
- House prices are up £10k since the Brexit vote with the East of England seeing the biggest gains, official data shows Property prices increased 4.9% in the year to June
- Can Ford's new Fiesta retain its crown as best supermini, or is a Seat Ibiza or Skoda Fabia a better choice? Small car shootout,
- Could you buy a family holiday home and attract tax benefits? This trick could bring dreams of owning a second home within reach...
- BMW launches its own scrappage scheme to offer £2,000 off a new car when you trade in a dirty diesel... - and VW will have one too.
- Pay back a friend with a WhatsApp message: Facebook-owned app 'trialling new payments service'
- Are Britain's income fund investors too reliant on a handful of high dividend shares? Five ways to spread your risk.
- I'm 85 and still have a mortgage, should I pay off that interest-only loan using equity release?
- Can you guess the prices of these bungalows? Take our quiz to see if you can... - and spot the one that costs 15 TIMES the average home.
- Why does NatWest offer overseas customers 25 times more interest on its easy-access savings account than those who live in Britain?
- Bitcoin soars past $4k after leaping by 332% this year... - but is the vaulting cryptocurrency heading for a 'dotcom' style crash?
- A large family home in North London for less than a million? Sarah Beeny finds a four-bed Edwardian house in Winchmore Hill as her bargain of the month
- Banks brace for final PPI splurge with up to 15 million claims yet to be made ten years on from the financial crisis
- What happened to these British car brands? - and could iconic makers like Austin, Morris and Jensen return?
- Financial fraud is almost as common as all other reported crimes put together We reveal nine of the most common scams and how to tackle them.
- We visit the world's oldest motorsport venue Shelsley Walsh to learn how to drive a hillclimb A lesson in racing up a steep hill as fast as you can:.
- SIMON WATKINS: 'The promise that Brexit would be good for the economy has proved false'
- TONY HETHERINGTON: I was cold called by a firm involved in expensive watches and then invested £6k - how can I tell if it's a share scam?
- Betrayed: Barclays promised this town mayor her branch would not close - it WILL And we've got the full list of dozens more due to be axed
- Scrap stamp duty for first time buyers and bring back the 100% mortgage - or we risk a big city brain drain Says Paul Smith, owner and chief executive of estate agent Haart
- 'Why did my pension fail to grow for 11 YEARS?!' Phoenix Life charges saver James Hawken hundreds in fees on pot that hasn't budged from £15,333.96
- Thousands of small traders face 20% fee hikes when selling on eBay The measure, effective from August 1, follows a restructuring by eBay
- The best used small executive saloons for bargain prices: Ten cars with a touch of luxury that can be bought for under £10,000
- I'm scared I will lose my pension because of the black hole in my scheme, should I take the money on offer and transfer out? The final salary pension scheme I'm in is in trouble
- Six top tips to cut the cost of your mobile phone: How to avoid rip-off contracts and where to find the cheapest deals
- Five tips to make the most of work experience From how to win over the boss to asking for a paid-for job at the end
- The biggest investment winners (and the loser) of the 10 years since the credit crunch Crunch time
- Have we reached the property market's peak for now? House price growth stalls and price cuts are here
- Foreign predators snap up £74bn worth of British firms Despite Prime Minister's pledge to protect them
- Vicarage where hymn Amazing Grace was written goes on sale for £1.4million How sweet you sound!
- Facebook takes on the TV channels with new 'watch tab' Original shows and chat features
- The 10 simple mistakes motorists make that can invalidate insurance From fluffy dice on your rear-view mirror to driving in flip-flops
- I'm 33 and already have four company pensions - should I move them all into one and how do I do this? We run through what you need to consider
- Pothole damage to cars has risen by almost a third in 12 months Roads set to deteriorate when temperatures drop
- Want your business to give back to society AND benefit from start-up innovation? Meet the Baobab Network
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- I'm trying to claim state pension credits for my disabled husband and it's a nightmare - can you help?
- I live in France and want to get my Winter Fuel Allowance back, as it was scrapped due to balmy tropical island weather - what are my chances?
- I am 49 and want my pension now to pay my mortgage, but is this early release offer a scam?
- My husband died and I have £100k from his pensions - how do I get a decent income for my retirement?
- I want to take a quarter of my pension tax-free - can I do this all in one go or only in chunks?
- My partner and I are aged 79 - what happens with our pensions if we marry now?
- I'm 62 now, will I reach state pension age at 66 or have to wait even longer?
- Why am I being offered a much more measly deal to move my final salary pension than my wife?
- 'My dad deferred his pension and died before taking it, so why can't we claim?'
- I paid NI for 32 years, so I'm just short of the full state pension - what's the best way to top up?
- Who are the fund managers that not only survived but thrived since the credit crunch? MAIKE CURRIE reveals
- For a sunny retirement, go south! West Sussex is revealed as the best place for pensioners to live with good...
- Investing Show: 'Be fearful when others are greedy and greedy when others are fearful', said Warren Buffett....
- Would you get a swimming pond in your garden? As the Beckhams plan to build one we look at how much they...
- World's oldest investment trust Foreign & Colonial has weathered 150 years, two world wars and financial...
- Savers who cash in their pensions risk running out of cash in retirement after investing without taking...
- Mercedes-Benz follows in BMW's footsteps with £2,000 diesel trade-in deal (but you won't get a discount on a...
- A convenient house price rise: Converted public toilet goes back on the market after a year with seller...
- MARKETS CLOSE: FTSE 100 index drops sharply as Trump's White House descends further into chaos and Barcelona...
- Business-class flight searches up 63% this year as holidaymakers consider the extra expense of travelling in...
- Heineken's £403m Punch Taverns takeover gets green light after watchdog approves plans to sell off some of...
- Rail passengers avoid fare increases after watchdog imposes price cap on South West Trains
- After the bump, is this now the Trump slump? White House crisis rocks the markets
- SMALL CAP MOVERS: AorTech gets 65% boost as Nyota slumps 43% after advisor Beaumont Cornish quits
- SIMON LAMBERT: The death of dinner party buy-to-let... and why the easy gains from property have gone
- After the bump, is this now the Trump slump? White House crisis rocks the markets
- BMW's Z4 concept is an early indicator that the 2018 roadster will soon be the best looking car out there for £30,000
- MARKET REPORT: Bitter pill to swallow as Hikma Pharmaceuticals loses £335m after failing to say whether asthma drug will be sold in the US
- Mercedes-Benz follows in BMW's footsteps with £2,000 diesel trade-in deal (but you won't get a discount on a petrol model)
- For a sunny retirement, go south! West Sussex is revealed as the best place for pensioners to live with good weather and low crime rates
- Savers who cash in their pensions risk running out of cash in retirement after investing without taking advice
- Investing Show: 'Be fearful when others are greedy and greedy when others are fearful', said Warren Buffett. Which should investors be right now?
- DIY disaster as rival chains are hammered due to bad weather and changing home improvement habits
- EU 'triggered crisis at Spanish lender Banco Popular', say investors
- MAGGIE PAGANO: Horrifying scale of youth unemployment means Europe is facing a lost generation
- British banks face fresh legal action in the US as authorities accuse them of helping destroy American lenders
- MARKETS CLOSE: FTSE 100 index drops sharply as Trump's White House descends further into chaos and Barcelona terror attack hits airlines
- FTSE 100 slumps as airlines and travel companies are sold off due to terror fears and Washington chaos continues
- Windfall for Saracens rugby club boss as his stake in investment firm YOLO Leisure and Technology nearly doubles in value
- Heineken's £403m Punch Taverns takeover gets green light after watchdog approves plans to sell off some of the 1,900 pubs
- MOST READ IN DETAIL
Big Money Questions
- Want to get an edge in investing? Read fiction, say the authors of a new book 'Cents and Sensibility' - and there's a lot economists could learn as well
- Why have we still not beaten fraud? Scammers' tricks are as old as time and yet we still get stung by the same ones... watch an expert explain how
- What are stocks and shares and what is the difference between the two? Watch our simple explainer...
- What exactly is an emerging market? Watch our explanation of what the label means and whether it's remotely useful...
- What is a consumer? We reveal where the notion came from and why we aren't bigger spendthrifts than in the past
- Should we give every Briton a basic monthly income? For some it's the key to stamping out exploitation for others it's a ticket to laziness...
- Can we avoid another financial crisis? Spoiler alert: No! That's according to STEVE KEEN who predicted the last one
- Is GDP DANGEROUS?! It may look like a harmless little number, but it's causing all sorts of damage...
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: Young AIM firm EVR creates virtual reality musical experiences to download
- MIDAS SHARE TIPS UPDATE: Party is set to go on and on as gift group IG Design rises 73% in a year
- MIDAS SHARE TIPS: Our Dogs of the Footsie prove pedigree as portfolio of biggest dividend payers DOUBLES in five years
- MIDAS SHARE TIPS: Internet domain name firm CentralNic has .buy written all over it
- MIDAS SHARE TIPS: Gold gains new lustre in recent months as global threats grow
- MIDAS SHARE TIPS UPDATE: Spanish treasure... Berkeley Energiauranium mine on track to grow
- MIDAS SHARE TIPS: Marks & Spencer could be about to turn the corner with new chairman Archie Norman
- MIDAS SHARE TIPS UPDATE: Wincanton is motoring in the right direction
- MIDAS SHARE TIPS: Newcomer ReSI looks to deliver stable returns AND help solve housing crisis
- MIDAS SHARE TIPS UPDATE: Boom in Birmingham boosts our commercial property tip Real Estate Investors
- MIDAS BREXIT UPDATE: Trio of tips rocket since Brexit vote, now can they keep it up?
- MIDAS SHARE TIPS: Profits gush as junior oil firm Diversified snaps up wells in America
FUND AND TRUST IDEAS
- BRITISH EMPIRE TRUST: 'Three-string' approach gives this oddball fund a towering record
- MERCANTILE INVESTMENT: Taylor Wimpey helps £2bn trust build on a century of success
- INVESCO INCOME GROWTH TRUST: The 'dividend hero' manager Ciaran Mallon who keeps the tank full to reward investors
- JO HAMBRO CAPITAL MANAGEMENT UK DYNAMIC: Manager Alex Savvides profits by keeping close eye on firms with changes at top
- JP MORGAN AMERICAN INVESTMENT TRUST: Investors will soon benefit from reduced charges
- BRUNNER INVESTMENT TRUST: Lucy Macdonald overhauls 'family' venture by casting the net overseas
- WORLDWIDE HEALTHCARE: The trust which invests in cutting edge health services and 'medtech' stocks
- LIONTRUST UK GROWTH: Manager Julian Fosh is unfazed by May's woes and focused on finding resilient 'super' companies
- L&G UK SPECIAL SITUATIONS: The fund that rewarded investors with returns of almost 50% over the past three years
- BLACKROCK STERLING STRATEGIC BOND: The fund that takes advantage of credit 'sweet spot'
- MITON UK VALUE OPPORTUNITIES: Andrew Jackson pilots fund away from UK to take advantage of weak pound
- SMITH & WILLIAMSON ENTERPRISE: Fund aims for certainty on returns, but has cut its target
- SANLAM FOUR MULTISTRATEGY: Stay positive... the principle that guides a diverse fund
- SECURITIES TRUST OF SCOTLAND: How bricks and mortar are helping fund rebuild its fortunes
Latest: Mortgages & home
- I'm 85 and still have a mortgage, should I pay off that interest-only loan using equity release?
- Shocking cost of downsizing revealed: Older homeowners stand to lose £29k moving to a smaller home (and stamp duty's only half of it!)
- Stamp duty calculator: How much tax will you pay to buy a home?
- House prices are up £10k since the Brexit vote with the East of England seeing the biggest gains, official data shows
- Scrap stamp duty for first time buyers and bring back the 100% mortgage - or we risk a big city brain drain, says top estate agent boss
- Have we reached property market peak? House price growth stalls with many owners offering reductions to sell, say surveyors
- Stamp duty is making the housing crisis worse as older homeowners stay put to avoid it - and families can't move up the property ladder
- Last chance to grab a cheap mortgage: Race to lock into a bargain deal as Bank warns era of low rates is ending
- House prices up almost £5,000 in the year since the Brexit vote, but property market slows as buyers struggle
Latest from Saving & banking
- Cash Isa rates hit 1.05% – but savers need to act fast as Paragon Bank's online deal is unlikely to last long
- Barclays customers will be locked out of telephone and online banking over part of one weekend a month for rest of the year
- The mysterious case of Barclays closing down a customer's three accounts after she reported a 'strange' payment she'd received
- NS&I launches its first Junior Isa offering 2% interest – but there are more than a dozen accounts with better rates on the market
- Get 20% income boost from top one-year bonds: Abandon the big banks to get a better rate
- Bitcoin soars past $4k after leaping by 332% this year – but is the vaulting cryptocurrency heading for a 'dotcom' style crash?
- Betrayed: Barclays promised this town mayor her branch would not close - it WILL – and we've got the full list of dozens more due to be axed
- Bank of Cyprus UK cuts market-beating easy access account to 1.2% just three days after raising rates
- Loyal savers get boost at new banks: Ford Money edges up its Flexible Saver deal to 1.12%
- Challenger bank PCF launches the ONLY savings deal to match inflation - but you'll have to lock your money in for SEVEN years
ANSWERS FROM THE Experts
- From tax implications to damage cover: The five questions you should ask yourself before letting out your property on Airbnb
- ASK TONY: How can I get my £187.50 in Nectar points back after my Sainsbury's vouchers expired?
- TONY HETHERINGTON: I was cold called by a firm involved in expensive watches and then invested £6k – how can I tell if it’s a share scam?
- Why does NatWest offer overseas customers 25 times more interest on its easy-access savings account than those who live in Britain?
- A fraudster spent £700 worth of my Nectar points in Argos and the scheme still hasn't refunded me, is there a scam going on?
- My daughter and her cousins inherited £10k each in trust - can we tap the funds early to pay university fees?
- ASK TONY: Scottish Power has made a total mess of my billing and is now demanding the baffling sum of £3,755
- Can we get broadband without signing a 12-month deal? We're only renting for three months while we renovate our home
- TONY HETHERINGTON: Heating system salesman doorstepped my elderly and ill parents and pressured them into handing over £2k
- Banned for 11 years... the £1m bogus investment cheat who confessed
Latest from Holidays
- Business-class flight searches up 63% this year as holidaymakers consider the extra expense of travelling in luxury
- How to wind down (before you take off): An airport lounge can get your holiday off to a flying start... for a price
- Who will stand up to the car hire sharks? Holidaymakers are being fleeced but from the regulators there's only shameful silence
- What IS going wrong with BA? IT meltdown, poor service, the end of free food - no wonder loyal customers of 'the world's favourite airline' say it's not what it used to be
- Too good to be true: How we fell for a fake Sicilian villa on Airbnb and paid £4,000 to a fraudster
- Are you unwittingly adding to your holiday spending costs? Beware rip-off fees for paying in pounds abroad
- 'I feel like the stigma of cancer will last me a lifetime': Survivors are forced to pay four times more for travel cover - here's how to save
- Don't use our travel money cards in cashpoints, warns Post Office, after customer complains about how fees racked up in a week
- Beware of calling home from a cruise: New EU rules for roaming charges DON'T apply if you're at sea
Currency | Rate | Buy now |
---|---|---|
Updated 18 Aug 2017. | ||
Euro | 1.07 | Buy Now |
US Dollar | 1.255 | Buy Now |
Australian Dollar | 1.5905 | Buy Now |
Canadian Dollar | 1.5872 | Buy Now |
Chinese Yuan | 8.2822 | Buy Now |
Croatian Kuna | 7.8456 | Buy Now |
Czech Koruna | 27.7715 | Buy Now |
Danish Krone | 7.9909 | Buy Now |
Egyptian Pound | 16.27 | Buy Now |
Hong Kong Dollar | 9.8243 | Buy Now |
Hungarian Forint | 322.7648 | Buy Now |
Icelandic Króna | 129.0314 | Buy Now |
Israeli New Shekel | 4.4563 | Buy Now |
Japanese Yen | 137.0599 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
Mexican Peso | 22.017 | Buy Now |
New Turkish Lire | 4.3363 | Buy Now |
New Zealand Dollar | 1.7224 | Buy Now |
Norwegian Krone | 9.9442 | Buy Now |
Polish Zloty | 4.5226 | Buy Now |
Singapore Dollar | 1.7129 | Buy Now |
South African Rand | 16.6313 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 10.1699 | Buy Now |
Swiss Franc | 1.2109 | Buy Now |
Thai Baht | 41.3586 | Buy Now |
UAE Dirham | 4.6239 | Buy Now |
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