Select one of the If.com products below to visit the If.com website. Other Intelligent Finance products Are If.com competitive? Compare with other companies using the links below. Personal Loans Credit Cards Mortgages Current Accounts Savings Accounts

---

If.com is a division of Halifax plc. They offer customers a range of banking services and a radical new approach to finance - by phone, over the internet and with professional advisers.

The If.com plan is designed to help make the most of your money. Finances are kept in separate 'jars', enabling you to have access to any of them at any time and see exactly how your finances stand. If.com connects your jars together, but without moving your money around or creating one big pot, to enable you to make the most of your money. The benefits to that are:

• You can choose to offset your savings and current account balances against the money you borrow to reduce the amount of interest you pay OR
• You can choose to receive the same interest rate on the equivalent amount in your savings and current account as they charge for the money you've borrowed

IF Current Accounts

The benefits:

• Switch card and £100 cheque guarantee facility
• No charge you when you use LINK cash machines
• Cash machine limit of up to £300 a day
• Manage your money, how you choose to:
• - Over the internet
• - By telephone
• Direct debits, standing orders and bill payments
• Cheque book
• Interest calculated on the basis of daily balances
• No fee for overdraft facilities

IF Credit Card

The benefits:

• Up to 56 days' interest free for purchase
• No annual fee
• Accepted in over 24 million locations and 130 countries worldwide
• Withdraw money from cash machines across the world wherever you see the Visa sign

IF Personal Loan

The benefits:

• Flexibility to take two payment holidays a year
• The loan can be repaid over 1 to 8 years - you choose
• No early repayment fees
• No arrangement fee
• Borrow between £1,000 and £25,000

IF Mortgages

The benefits:

• IF pay their conveyancers' charges for remortgages
• Standard valuation fee refunded after completion for remortgages
• Interest calculated on the basis of daily balances
• Take up to two payment holidays a year
• Borrow between £25,001 and £1,000,000
• Borrow up to 95% of the value or purchase price of your property, whichever is lower.

Additional information can be found on the If.com website.
(See the links above)