BEST MORTGAGE FOR YOUR HOME
* National Irish Bank for loans of less than 80% of your house price: 3.99% variable interest on ECB Tracker mortgage
* AIB, Bank of Ireland, First Active, ICS, IIB or Permanent TSB for loans of more than 80% of your house price: 4.1% variable interest on ECB Tracker mortgage over 250,000
* National Irish Bank for peace of mind: 4.35% interest fixed until July 2008

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
* Bank of Scotland (Ireland) Plastic card for borrowing: 9.5% interest on purchases
* Ulster Bank for interest-free credit: 0% interest on balance transfers and new purchases for nine months

BEST FAMILY HEALTH INSURANCE
* Vivas Health ('we plan', level 2) for hospital cover: 1,212.25 a year for two adults and three children if cover is bought before the middle of September

BEST STOCKBROKING CHARGES
* Sharewatch for buying and selling Irish and UK shares: 50 for trades of up to 15,000