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Product features

Here's just a brief overview of the Intelligent Finance range of products:

Product information

• Offset mortgages: With an offset mortgage you could reduce the amount of interest you pay on your mortgage. Instead of receiving interest on your savings and current account, you pay none on the equivalent amount on your mortgage. There’s also no limit on the amount you can offset and interest is calculated on the basis of daily balances.
• Tracker mortgages: with our tracker mortgages, your interest rate tracks the Bank of England's base rate for a set time. At the end of this period your rate then switches over to Intelligent Finance's standalone variable mortgage rate.
• Fixed mortgages: with our fixed rate mortgages, you have the security of knowing that your rate will remain the same for a set time. At the end of this period your rate then switches over to Intelligent Finance's standalone variable mortgage rate
• Current account: with an Intelligent Finance current account, we make your money work harder, every day of the year
• Direct access savings: get fast access to your money whenever you want. You can transfer funds free of charge to your chosen linked account using our simple online banking service, or over the phone
• Cash ISA: start saving with as little as £1 and earn guaranteed interest on your money in line with the Bank of England's base rate until December 31 2007

Standalone products

• Personal loan 7.9%APR Typical: with our unique online rates, you can afford to borrow more for the things you need. If you take out this unsecured loan and repay it early, you will incur an early repayment charge.
• Personal loan 8.9%APR Typical: with fixed rates and no early repayment charges, check out our great rates for unsecured loans over £7,000
• Flat rate credit card: open an Intelligent Finance flat rate credit card and benefit from a typical rate of just 8.9% APR typical (variable)
• Building and Contents Cover: with unlimited cover, you'll never be underinsured because we guarantee to meet the full cost of any rebuilding and replacement work – available if you are applying for an Intelligent Finance mortgage.

The benefits of online banking

Now you can manage your money from the comfort of your own home. Whether you want to change your details, move money, pay bills or change an overdraft limit, online banking really does save time and makes handling your finances a whole lot easier.

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