4% interest for deposits of �?�10�?�750 a month (1890 81 81 81) - Northern Rock Demand Online for lump sums: 3.45% for nonotice deposits over �?�1,000 (www. northernrock-ireland. ie)

BEST MORTGAGE FOR YOUR HOME - National Irish Bank for loans of less than 80% of your house price:

3.49% (3.5% APR) variable interest - AIB, Bank of Ireland, First Active, ICS, IIB Homeloans or Permanent TSB for loans of more than 80% of your house price: 3.6% (3.7% APR) variable interest for mortgages over �?�250,000 ? National Irish Bank for the peace of mind of . xed repayments: 3.6% (4% APR) . xed until 2008.

BEST BANK FOR YOUR MONEY - Permanent TSB or Ulster Bank for current accounts: no fees or charges, even when the account is overdrawn.

BEST CREDIT CARD - American Express Blue card for perks: 1% cashback on all your spending (1890 40 04 55) Bank of Scotland (Ireland) Plastic card for borrowing: 9.5% interest on purchases (1800 882 700)
Ulster Bank for interest-free credit: 0% interest on balance transfers and new purchases for nine months (1800 946 932)

BEST FAMILY HEALTH INSURANCE - Vivas Health (?we plan', level 2) for hospital cover: �?�1,502.50 a year for two adults, two children and one student after tax relief and group discounts (1850 717 717)

BEST STOCKBROKING CHARGES - Sharewatch for buying and selling Irish and UK shares: �?�50 for trades of up to �?�15,000 (1890 946 649)