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Spend & Save

Bargain Basement

Lombard Bank is offering personal loans which range from 13.9 per cent APR on advances below pounds 4.999 to 11.9 per cent for loans above pounds 8,000. Call 0800 215000

Nationwide Building Society is launching a two-year fixed-rate bond offering 7 per cent gross on deposits as low as pounds 1. Details from branches.

RBS Advanta is launching a new Platinum credit card charging 7.9 per cent until January 1999, reverting thereafter to the standard rate, currently 17.9 per cent. The card carries other benefits, including lost luggage and delayed journey insurance. Call 0800 077770.

Jupiter is launching a new Global Opportunities unit trust investing in small and mid-cap shares world-wide. The fund, which is PEPable, will allocate 35 per cent of funds in the UK and 20 per cent in Europe, with 10 per cent in bonds. There is a 1.25 per cent discount until 16 February on the 5.25 per cent initial charge. Call 0171-412 0703.

Credit Suisse Asset Management is offering a 2 per cent discount on lump sum PEP investments into a wide range of its funds. The normal initial charge is 5.25 per cent. Call 0171-426 2929.

Triodos, the ethical investment bank, is increasing rates paid on its Top Tessa account to 7.5 per cent. Call 0117 9739339.

Wesleyan Financial Services, the mutually-owned insurer, is extending its guarantee to its Homebuyer endowment policyholders that a policy maturing before 1 January 2005 will repay the original loan. Call 0345 310310.

Fleming has published a independently-written "Guide to Savings for Children". Call 0500 500161.