Yahoo Finance 
July's top money deals
Credit cards
Tesco has improved all three of its credit cards today and now jumps to the top of the best buy tables. Whether you’re looking to make a big purchase or two and spread the cost over a long period, or pay off some existing credit card debt for less, these cards are well worth a look.
0% on purchases for 18 months
The Tesco Clubcard for Purchases card offers an interest-free period of 18 months on your spending, the longest on the market at the moment. You also earn Clubcard points whenever you use it too – five points for every £4 you spend at Tesco, including Tesco petrol stations, and one point for every £4 you spend anywhere else.
[Apply for the Tesco card or see how it compares to other 0% purchase cards]
0% on balance transfers for 27 months
The Tesco Clubcard for Balance Transfers card now offers the chance to transfer your credit card debts and not pay any interest on them for 27 months. You’ll need to pay a balance transfer fee of 3.15% of the debt you’re transferring to take advantage. So on a debt of £2,000 you’ll pay a fee of £63.
[Apply for the Tesco card or see how it compares to other 0% balance transfer cards]
0% on balance transfers for a year and the lowest fee around
If you don’t need so long to pay off your debts, the Tesco Clubcard with Low Balance Transfer Fee card has an interest-free balance transfer period of 12 months for a fee of just 0.9%. This is the lowest fee around at the moment. As an example, it’ll cost you £18 to move a £2,000 debt onto this card.
If you take out any of these cards, make sure you pay off at least the minimum payment each month, otherwise you’ll lose your interest-free period. All three cards have a representative APR (the annual combination of interest and fees) of 16.9% when the 0% periods end.
[Apply for the Tesco card or see how it compares to other 0% balance transfer cards with low fees]
A personal loan for 4.9%
If you need to borrow between £7,500 and £15,000 and you have a good credit rating, you could qualify for Zopa’s personal loan rate of 4.9%. If you’ve never heard of Zopa, it’s what known as a peer-to-peer website where people who want to lend money are matched with people who want to borrow.
If you’re interested, you should have a look sooner rather than later, as the last time Zopa put out a rate this low it was withdrawn after a week.
Savings accounts
Savings rates are still very naff, with no bank or building society accounts beating the current rate of inflation. If you want somewhere to put some money for a rainy day, NS&I is the market leader with an income bond with an interest rate of 1.76%. You need a minimum of £1,000 to open this though.
If you have less to save, ICICI Bank UK’s HiSAVE Super Savings Online Account pays 1.75% and you can open it with just a quid.
[You can still earn 6% on your savings, but not with a savings account]
Mortgages
If you’re in the market for a fixed rate, then now’s a very good time to be shopping around as rates keep falling.
Chelsea Building Society has just launched a two-year fixed rate at 1.64% for people who only need to borrow 65% or less of their home’s value. It does comes with hefty fees of £1.675 though. Meanwhile, Yorkshire Building Society has a rate of 1.89% with fees of £975 but you need to be only looking at borrowing up to 60%.
If you want to fix for longer and need to borrow 65% or less, Yorkshire also has a five-year fix for 2.44% with fees of £1,475. And First Direct has a rate of 2.69% which will cost you fees of £499 also for borrowers who already have 35% of their property's value available.
If you need to borrow up to 75%, Chelse has a rate of 2.84%, again with fees of £1,675.
