var help = new Array()


help[101] = "Credit card type:Credit card providers offer different types of cards depending on personal circumstance. The type offered usually relates to a minimum income, so it's worth checking you meet this criteria before applying."

help[102] = "Product feature:Credit card providers offer a range of product features to suit your needs. For example, it you have an existing credit card, you could transfer the balance to another provider and benefit from an interest free period." 

help[103] = "ExpertMatch:Lenders typically use your post code to assess the risk in offering a loan or credit card. We use the same risk analysis to exclude any lenders from your search that are likely to decline your application, saving you time and effort, and reducing the likelihood of further damage to your credit rating."

help[104] = "Investment amount:Generally, the more you have to invest the more options are available. The search tool will find the accounts available to you based on the amount you have to invest and the required minimum investment level."

help[105] = "Types of savings account:With savings accounts generally, the more notice you can give before withdrawing your savings the higher the interest rates offered."

help[106] = "Interest payments on savings accounts:Narrow your selection by indicating your preference to receiving interest on your savings either monthly or yearly."

help[107] = "Offshore accounts:These accounts will be based in one of the Channel Islands, the Isle of Man or Gibraltar. Their terms vary from being variable interest rate instant access up to five year fixed interest rate bonds with many alternatives between the two extremes. The minimum investment required also varies considerably."

help[108] = "Expatriate accounts:These accounts are designed specifically for British nationals living abroad. Their terms vary from being variable interest rate instant access up to five year fixed interest rate bonds with many alternatives between the two extremes. The minimum investment required also varies considerably."

help[109] = "Children's accounts:Children’s accounts are offered by the majority of Banks and Building Societies and some tailor their products to suit different age bands. These accounts can usually either be held by children of an age within the specified band or by adults on their behalf. Withdrawal terms vary but many are instant access. Older children may have the option of a cashcard. Some accounts come with a free gift. It’s also worth talking to the bank or building society about tax and, if appropriate, filling in an R85 form."

help[110] = "Type of loan:A personal loan is debt which requires no security. It ranges from around £1,000 to £25,000 depending on the lender. A secured or homeowner loan provides the opportunity to secure larger amounts over longer periods against the value of your property."

help[111] = "Loan Amount:Please let us know EITHER how much you want to borrow OR how much you can afford to repay each month."

help[112] = "Current accounts with fees (maintenance charges):Providers offer current accounts with and without fees. Accounts with fees often have additional features such as travel insurance and additional overdraft facilities."

help[113] = "Current account features:The search tool will exclude any products that do not offer the features you require."

help[114] = "Higher income accounts:These accounts may have a higher rate of interest and additional benefits. A minimum amount must be paid in each month to qualify."


help[115] = "Loan type:A personal loan is debt which requires no security. It ranges from around £1,000 to £25,000 depending on the lender. A secured or homeowner loan provides the opportunity to secure larger amounts over longer periods against the value of your property."

help[116] = "Loan period:You probably know already how much you'd like to borrow but for how long? Increasing the loan period means smaller monthly payments but a higher total repayment. Select the closest example to the loan you require."

help[117] = "Personal circumstances:Providers may refuse your application if you do not meet the criteria for the product, for example if you are under 18. We can reduce the likelihood of this if you provide us with details of your personal circumstances."

help[118] = "Early Repayment Penalty:Many lenders charge a fee of up to 2 months interest if you repay your loan before the end of the term. NB. Selecting this option may remove some of the lowest rate loans"

help[119] = "Introductory Purchase Rate: The rate at which new purchases will be charged for a limited period. "

help[120] = "Introductory Period:The length of time for which the introductory purchase rate lasts."

help[121] = "Balance Transfer Rate:The rate at which balances transferred from other cards will be charged?"

help[122] = "Interest Free Period:The initial period for which you are not charged when making purchases"

help[123] = "Monthly Interest Rate:The percentage rate per month at which purchases are charged"

help[124] = "APR Cash:The interest rate at which cash withdrawals on this card are charged. N.B. Cash withdrawals are usually charge for immediately, i.e. there is no interest "

help[125] = "Mortgage types:A variable interest rate means your regular mortgage repayments will go up or down according to changes in the lender's Standard Variable Rate (SVR). The Standard Variable Rate typically varies in response to changes to the Bank of England’s base rate.<BR><BR>A fixed interest rate gives you some level of security as your repayments will not change during the agreed period. However, fixed rate mortgages may also come with higher fees and tie-ins which make early repayments more expensive.<BR><BR>Capped rates typically vary according to the lender's Standard Variable Rate (SVR) but will not rise above the set limit. You will get the benefit if interest rates drop but also limit the cost of your repayments if interest rates rise.<BR><BR>Discount mortgages offer a reduced interest rate for a set period. As with a variable rate mortgage, repayments will go up or down according to changes in the lender's Standard Variable Rate (SVR). You will repay at the Standard Variable Rate when the discounted period is over.<BR><BR>Remortgaging means negotiating a new mortgage to pay your current one. It can allow you to switch to a better deal and if the value of your home has increased, use the equity to borrow more.<BR><BR>You can use the balance on your current account to reduce the interest payments on your mortgage. Offsetting your accounts means your savings are used more effectively and because you don't receive interest on your current account there's no tax to pay.<BR><BR>'Buy to let' mortgages are specifically for buyers intending to purchase a residential property for the purpose of letting to tenants. It allows you to invest in property without having to pay commercial interest rates.<BR><BR>'First time buyer' mortgages include those with special incentives for first-time buyers and standard mortgages offering 100% LTV (no deposit). 100% mortgages tend to come with higher rates, more fees and higher mortgage indemnity guarantees."

help[126] = "Annual Fee:The amount that is charged per year simply to have the card, whether or not you make any purchases with it"

help[127] = "Existing Debt Facility:With some cards, you can transfer your existing debt on another card to this one."

help[128] = "Balance Transfer Period: The length of time at which the Balance Transfer Rate is available"

help[129] = "Cashback:The percentage of the amount of each purchase you'll earn back"

help[130] = "Cashback Notes:Any special conditions regarding Cashback"

help[131] = "Loyalty Scheme:Which Loyalty scheme this card takes part in"

help[132] = "Reward Details:Any special conditions regarding this card's loyalty scheme"

help[133] = "Minimum Loan:The minimum amount that you can borrow on this mortgage"

help[134] = "Maximum Loan:The maximum amount that you can borrow on this mortgage"

help[135] = "Charge Rate:"

help[136] = "Fee:A fixed amount charged when setting up the mortgage"

help[137] = "Loan to Value: The percentage of the worth of the property that will be lent. For example, if a property is worth £100,000 and the LTV is 90% then the maximum that would be loaned is £90,000"

help[138] = "Base Rate: The basic rate at which interest on the mortgage is paid"
	
help[200] = "ME: Moneyexpert"

help[150] = "Amount:the minimum amount you must save per month"

help[151] = "Gross: The Gross interest rate"

help[152] = "Free Banking if in Credit: Whether the bank account is free if you stay in credit"

help[160] = "Gross AER: The Gross Average rate"

help[161] = "Net percentage rate: The rate after tax and charges are deducted"

help[162] = "interest Paid: The period after which interest is paid out to you on your savings"

help[172] = "interest Paid: The period after which interest is paid out to you on your savings"

help[301] = "Loan amount: The maximum amount you can borrow is typically 3 to 4 times your salary. <BR><BR>The ratio of the amount you borrow to the property’s value is known as Loan to Value or LTV. Lenders are usually able to offer lower interest rates for mortgages where the LTV is lower."

help[302] = "Interest rate type: Fixed rates allow to you budget confidently, knowing that your monthly interest repayment won’t change.<BR><BR>Discounted rates are set to certain level below the lender’s standard rate. Discounted rates are variable so your monthly repayments may go up or down."

help[303] = "Repayment period: Your mortgage will accumulate more interest if repaid over a longer period, however spreading the cost can make your monthly repayments more affordable. Typically, a mortgage repayment period (or term) is 25 years."

help[304] = "Repayment type: Repaying capital and interest (known as a repayment mortgage) means the amount owed will be repaid in full by the end of the term.<BR><BR>Alternatively, you can repay the interest only. This means your monthly repayments will be lower but you must make provision to repay the capital at the end of the term - either with an ISA, endowment or pension."

help[305] = "Your circumstances: Your lender will want to know the circumstances of your mortgage, for example if you will be sharing ownership or your home with a housing association. Lender’s are also likely to offer special deals to first time buyers."

help[306] = "Area of Property: Some lenders only lend in certain regions of the UK, such as England and Wales only, or Scotland only. If you select one of the regions below, we'll filter out any products not available to you."

help[501] = "How much do you currently have in your savings account"

help[502] = "The current rate which your savings account pays you in interest."

help[503] = "Savings accounts will pay you interest that you have earned on your investment either once every month, every three months or every year. If you tell us how often your present savings schemes, we can calculate more accurately."

help[504] = "Tell us over what period you're likely to keep this investment, from this we can calculate how much interest in total you would have earned on your present scheme, and we can compare it with how much you would earn for each of the alternatives."

help[700] = "Vehicle Details: The following details are simply general questions about your vehicle to help us estimate its market value."

help[701] = "Insurance Details:Help us to establish your insurance requirements."

help[702] = "Driver Details:Providing us with the driver's details will enable us to provide you with more accurate quotes."

help[720] = "Property Details:The following details are simply general questions about your property to help us estimate its market value."

help[721] = "insurance requirements: Help us to establish your insurance requirements."

help[722] = "Policy holder:Providing us with the insurer's details will enable us to provide you with more accurate quotes."

help[730] = "Pet Details:We need to know some more details about the pet which you want to insure."

help[731] = "Owners Details: Details about the insurer/owner."

help[740] = "Loan Amount & Term: Tell us how much you want to borrow and the period of the loan."

help[741] = "Your Property: Tell us how much you think your house is worth, the value outstanding on your mortgage and if you have missed any payments recently."

help[742] = "About You: Have had credit problems in the last 6 years? Even if you have, we should be able to find a suitable loan for you."