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: 4.15% (4.1% APR) interest "xed until 2008 or 4.18% "xed until 2009

BEST BANK FOR YOUR MONEY
* National Irish Bank, 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)