How parents can help their kids get on the property ladder | Vulnerable customers face barriers to cheap energy deals | Fancy watching every Premier League game next season?

News & deals across energy, mobiles, broadband, banking & insurance delivered to your inbox. Having trouble viewing [click here] 16 May 2016 [INSIGHT-HOME] Insight: This week’s top news and deals [INSIGHT-MORT-CONTENT] BANKING: How parents can help their kids get on the property ladder For many young people the dream of owning a home is crushed by the reality of rising house prices. We outline the numerous ways parents can help their children buy a home. [INSIGHT-MORT-CONTENT] [More on Banking ▼] ENERGY: Vulnerable customers face barriers to the cheapest deals Large suppliers must offer a ‘Warm Home Discount’ to vulnerable households. But only two of the top ten fixed deals are offered by suppliers in the scheme – meaning reduced choice. [INSIGHT-ENERGY-CONTENT] [More on Energy ▼] BROADBAND: Fancy watching every Premier League game next season? TalkTalk TV customers can add BT Sport to existing sport options in time for the new Premier League season. Meaning customers will have access to every major football match. [INSIGHT-BBAND-CONTENT] [More on Broadband ▼] MOBILES: Three’s O2 merger is off – what happened and what’s next While BT saw its multi-billion pound deal for EE given the green light earlier this year, Three owner Hutchison has had no such luck in its attempt to buy O2. Here’s what happened. [INSIGHT-MOBILES-CONTENT] [More on Mobiles ▼] INSURANCE: Annual vs. monthly payments – which is cheaper? The cost of car insurance can be daunting, so it’s a relief to be able to pay in monthly instalments for the year’s cover. But is it the most affordable option in the long run? [INSIGHT-CINS-CONTENT] [More on Insurance ▼] Energy news and deals [INSIGHT-ENERGY-CONTENT] Vulnerable consumers face barriers to switching The Government’s Warm Home Discount scheme isn’t offered by some of the most competitive suppliers – only two of the current top ten deals are from suppliers that can support the £140 discount. “It is simply not fair that vulnerable customers face barriers to switching to the market’s best deals.” [INSIGHT-ENERGY-CONTENT] Sainsbury’s Energy: Fixed Price May 2017 - Fixed until 31 May 2017 - Average bill size £750* - £30 exit fee per fuel [INSIGHT-ENERGY-DEAL] Scottish Power: Online Fixed Price Energy May 2017 - Fixed until 31 may 2017 - Average bill size £793* - £30 exit fee per fuel / No exit fees [INSIGHT-ENERGY-DEAL] [INSIGHT-ENERGY-DEAL] *Based on the average bill size for dual fuel customer consuming medium energy usage as defined by Ofgem (3,100 kWh of electricity and 12,500 kWh of gas per year), paying by direct debit, with paperless billing. Prices averaged across all regions. Banking news and deals [INSIGHT-MORT-CONTENT] How to help your kids on the property ladder House prices have been rising fast recently, putting the dream of home ownership outside of the reach of many young people. Parents, families and friends can help out with deposits, or could help a borrower get a LTV of up to 100% with a guarantor or family offset mortgage. We take a closer at look at your options. [INSIGHT-MORT-CONTENT] Post Office 5 Year Fixed Fees Assisted plus Cashback Example: Repayment mortgage of £90,000 payable over 300 monthly repayments - 2.94% fixed until 30/06/2021, then 4.49% (variable) - £423.99 per month for 61 months, then £485.63 (variable) for 239 months - £1,698 fees (see below for fees breakdown) 2.94% initial rate then 4.49% (variable) 3.9% APRC (comparison rate) [INSIGHT-MORT-DEAL] Available up to 90% LTV Total amount payable £143,628 includes: Loan amount (£90,000); Interest (£51,930); Application fee (£995); Valuation fee (£220); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed. Barclays Family Springboard Mortgage Example: Repayment mortgage of £100,000 payable over 300 monthly repayments - 2.99% fixed until 30/06/2019, then 2.99% (variable) - £473.69 per month for 37 months, then £473.69 (variable) for 263 months - £416 fees (see below for fees breakdown) - Family assisted mortgage: requires a family member to deposit 10% in a “Helpful Start Account”, which is returned with interest after 3 years 2.99% initial rate then 2.99% (variable) 3.1% APRC (comparison rate) [INSIGHT-MORT-DEAL] Available up to 100% LTV Total amount payable £142,523 includes: Loan amount (£100,000); Interest (£42,107); Valuation fee (£175); Legal fee (£126); Funds transfer fee (£35); Mortgage discharge fee (£80); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed. [INSIGHT-MORT-DEAL] Your home may be repossessed if you do not keep up repayments on your mortgage. Insurance news and deals [INSIGHT-CINS-CONTENT] The hidden cost of monthly insurance payments With comprehensive car insurance costing £561.24 a year on average, many drivers choose to pay in monthly instalments. But while this is more manageable in the short term, paying monthly costs more over the year as insurers can charge interest. Our guide explains your options and reveals the price difference. [INSIGHT-CINS-CONTENT] Compare car insurance in minutes Get quick insurance quotes with uSwitch – our comparison lets you view annual vs monthly payments side by side. [INSIGHT-CINS-DEAL] [INSIGHT-INSURANCE-DEAL] Mobiles news and deals [INSIGHT-MOBILES-CONTENT] Three & O2 merger blocked – what you need to know The merger has been thrown out by European Commission regulators on the advice of their UK counterparts, leaving O2 ripe for takeover by another company. So, why was the deal stopped in its tracks? And what’s next for Three and O2? Read on and we’ll reveal all. [INSIGHT-MOBILES-CONTENT] [INSIGHT-MOBILES-DEAL] Apple iPhone 6s 16GB - Rose Gold handset - £50 upfront handset cost - Unlimited minutes & unlimited texts - 2GB of 4G data - Available through Vodafone network £26 a month [INSIGHT-MOBILES-DEAL] [INSIGHT-MOBILES-DEAL] HTC 10 32GB - Grey handset - £10 upfront handset cost - Unlimited minutes & unlimited texts - 3GB of 4G data - Available through O2 network £31.50 a month [INSIGHT-MOBILES-DEAL] [INSIGHT-MOBILES-DEAL] Broadband news and deals [INSIGHT-BBAND-CONTENT] BT Sport coming to TalkTalk TV homes Households will be able to subscribe to BT Sport channels on a rolling monthly contract directly from BT from next month. This means TalkTalk TV customers will be able to watch every major televised football match – including all Premier League and Uefa Champions League fixtures – live on a single platform. [INSIGHT-BBAND-CONTENT] Virgin Media SuperFibre 50 Broadband & Calls - 6 months discounted broadband - Up to* 50Mb speed fibre broadband - Unlimited downloads & weekend calls to UK landlines and Virgin Mobiles - Free Virgin Media Super Hub & QuickStart self install £4 a month + £17.99 line rental [INSIGHT-BBAND-DEAL] uSwitch exclusive £4 a month for 6 months, £19 thereafter. 12 month contract. Line rental £17.99 a month. £9.99 activation fee. Offer available to new customers who purchase online only. Plusnet Unlimited Broadband & Phone Line - 12 months free broadband - Up to* 17Mb speed broadband - Unlimited downloads & calls to Plusnet Phone customers - Free wireless router & free activation (worth £25) - Free Plusnet Guard FREE + £16.99 line rental [INSIGHT-BBAND-DEAL] Online exclusive £0 a month for 12 months. 12 month contract. Line rental £16.99 a month, or the equivalent of £15.49 a month if paid 12 months upfront. £6.99 router delivery charge. £25 activation fee. £49.99 installation charge. Offer available to new customers who purchase online only. [INSIGHT-BBAND-DEAL] *The ‘up to’ speed displayed in Mb is the maximum possible speed you are likely to receive for this product. The actual speed you will get depends on your cabling, your area and (with non-fibre optic products) time of day and how far you are from the telephone exchange. Most providers will tell you the likely speed you will receive when you begin your online sign up. [INSIGHT-ENERGY-FOOTER] [INSIGHT-BBAND-FOOTER] [INSIGHT-DTV-FOOTER] [INSIGHT-MOBILES-FOOTER] [INSIGHT-BANKING-FOOTER] [INSIGHT-INSURANCE-FOOTER] [INSIGHT-ENERGY-APP] [INSIGHT-ENERGY-APP] Switch energy via the [INSIGHT-ENERGY-APP] uSwitch Ltd, Notcutt House, 36 Southwark Bridge Road, London SE1 9EU This email has been sent to {EMAIL}. 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