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From: "Comparethemarket.com" <news@email.comparethemarket.com>
To: <bob@sarahharvey.com>
Subject: The simples way to start 2026
Date: Sat, 27 Dec 2025 11:25:47 -0000
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Small switches = more me time
This email was sent to bob@sarahharvey.com.
<https://clicks.comparethemarket.com/f/a/xHg-6ilCA37FSVQApdHtnA~~/AAAHahA~/bgP5L6J0v3IMy8osyn78LRj39AE7LiI2b33F7QFKFEFkum5i09Uo8CQIxvIA40roeyVDPzUWA8z7DHc_MioDx---CIXj-ATwM5HSK2e_LynFd9uSINk7kX6CXCRiBvnJX2EM3-bBXKwElNTnyvai_rKEcsLxkxcBgbi9kQN6szOjEZgmNdq80WI0uprwg2kamNHaJ25MWTVe3w4HXcF0kWHGv-L0-o029YRLAjy_lZlF9IT-fkFsdmfGjMbXbZ8zNEk_DoooRaDVreOD19KmQHTg9UgsSSZDCwrE1lYEnxyV-jDS1KJ673VuvviJDZ0xBcAvw3UuaiV-68IXHanPd7q7jWsnqtmzA1bDGXTOvmA~>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6825e82d18c4d9068aea52f1/original.png?1747314733>
Sign In
<https://clicks.comparethemarket.com/f/a/hGU2pgK24BnuWMVtk4JCFg~~/AAAHahA~/0gYCgpNJGbS0qYgCgrUXSXUCis783uOEXq7nGziNxP7zxzfGSOxK6eIFcBB9QCHqYuqlXSIbMhF83IDc4xXnoIlo4Y7VS2FJg8eYa3NlwkMd0fD5Q-LV0xIlmNqCSSdmNKhL3KjLBCtcU1R_W0h5EjNFkJEuxXszP1RqmgV367rCK7L91jjvBHe07aRXNaoksprxp03RxMEaetKofOEHWLS0woyxPzl0ayK-gmtA3cZ0W6-gcKy8hCBtLSHdClwEm3BKmf0GCfnwLt8X9LmfSm5VGoby0btXtGfcnLu4UWStHtLwxh9qaCcuv5u9vyJsm5LfpPE9Y1rhwMTubEwyn0NjNhwrV27tU962BaV0N54~>
<https://clicks.comparethemarket.com/f/a/7PF0yeW63uoX06WY9pEbBA~~/AAAHahA~/edZRAzxj_WVa35L51XWlaDMyl47QnuerwXNvxwai92dMBrjeWbmnKUzxaKKKWuK3rB50NJtYWebw0JxT_8Lw0vFfqLUqhT-eR_R3j72_36JkR1myDqDKMRrSot9AnlP6_vS46t3-UvKkjPJqGvo1JKY_aX1BKoCZFlplEVMxvkAjGwBXMa_X8uXhwD-RDwB26V4_iG2sdP6B2YaGdpyA-uUdWMbzMeswG5FM3OTdSJF1nl0yiaS_LXkMYloRbNAUur-9laWqNo_JYDv9Wu0M7B1C5U26QcEDY72elqROxbawIyRk_I-nuIm_kZpdi48eyn_-pBa450MkF7rI4MgtopFvKbZwmW9WwnArhdwn89c~>
Loans |
<https://clicks.comparethemarket.com/f/a/90DZWzHaxL9l5FG4KU48oQ~~/AAAHahA~/rBGVkhwJndic-ub6CBQELyN5Epl567LvspSmo6rNSdRd9AKpLXGCt9oRFVgmrHMxslBE5GMHpziwjUIU_mdl9TbmfMhouOtrAhl0OZUgkaKyj4axyfvDuKU0nJStYEglebs4PUxBufSTsFw5R9c7WgHnwYx-T18upZVKfA4HCD6k-cRTpakG-3kWSkRDmRdKiGn0Ku9lyzMzsglgTQu7a4TyvnE6kN96_JcDUP9tPe4jTpBGe6J7GPI72CFqYZyXN4O6w216lF8K_E88-D2987FI2gQHn4jZZr4iOVak0LzaBGKbef1wMMqS2Cec8ubFKGKzWNoeUhpVj3JHs6dllRXgZxnBra3gpQK-6j7_JUA~>
Car Insurance |
<https://clicks.comparethemarket.com/f/a/MJMgrRMJjH1pK6Hk49heXQ~~/AAAHahA~/sOVJ3KUpBTzSoS1nYcIDQjJ7uO4AicrirZ1co3SregBWCpUdlFeU4fJ20R-I6Oxwr7l5g7dHHtqqvyhQQH7Q1ccAkJ-6bPnagmLAa9cJgSGEw7g587Xp35mHYKvOpSaeSoYN7QTmOYqH8V53mcMqtjD3684c43sS1l4Si_buDV6BzD0UiMOhlEZeENFEebw7RgiETvlXq4Obob1sB3rS-s_vUtWAbEcNGz2uvVQxXmKn_q0mn7GAJ1WI0GEFq6Ah5PFWaD2gm7-Vtt36HhcJZmwknBLLxhZnCQEwNEo9bRBcPwkUTWnEn5j9_X91pn1HP3QXI4xdwWZLdVsQSqS4QbSvV2StNBy-bOwsqIhOdLCEgK-UoLQeHtQCj4DvCC-v>
Travel Insurance
<https://clicks.comparethemarket.com/f/a/pHnzWcIvoGpf5FBkBYudpw~~/AAAHahA~/pj4Db33qUF06iZmbvcDOCidFV6ckciVyvtMqxEhNqPf3mA0dvAjy9rBHebYOur65KO8_8nXxX6Ei6gQ239Y8gKM_BCSHSobu-tJYRRB9AmLM009VA01LXQhQpsoc3_T0UxHq4AcnpATHzJRx1kYQ3vZzsNJTkOM7fqd1WH0yiDIBjkZXGnRbju7yD-yMaJ8_E32Q0Ml4CBZA9yYMRKnWqXr5nFwSpKFC8AFc5DL8C6lfm-MTHt2opZEFAoNHslqTNuh2RMf-zV2JfJl76_ozBzxIYUbRIsq-_hURBVqEaCCYitTy1FFBlSdJIy-DkDDOh2lf-E9pDCnbYBNqi0AY7ELGQTGg2XeMCSp_pMzCBzw~>
| Life Insurance
<https://clicks.comparethemarket.com/f/a/I8_VuAVAAXco8E_6vgKsQg~~/AAAHahA~/d85q6doikCGOe5uNURgx57Qo8AU94mIhOAhL3mY-VlAKjHvphpAMl4OH9rI25G-XrTypWPEEPyLN_f8iA8LoAf5uPrmQcbcFokJ2s4fuEPUaZMkpFJLgwnnAnvLEggrEgb1oa3H3F86HaC8E3d8vjsiq4mTGL4r67y3-o4382gRvq0YlVBXzekdb_FxN0RgykwEbWEvy00FZmMEhijhr5wiIJQKKw16RK5YK2F5MzMkopdhhX6r1ZA7_geUlHfRo-OEzJzP03Q1Yp-snvXzaz_BdX3pYeZe5Zs2EAAjWYovvdvD3r7KN37rRkqHQ_1aZfKqRw0KFXfh1KoJRiWPdjRZInoZfjN7qTEU1BSNN7jjoTWIhjMcQgfZnWL4q04QmNW8NUiiSkmGxwV4ohXptug~~>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/69417a887cf72e0f86d0e5b1/original.png?1765898887>
Hey Robert,
Make 2026 the year of more me time and simples saving. Whether it’s bringing
balances together, planning your spending, or reviewing bigger borrowing, a
few changes to your finances could mean less juggling, less stress and more
me time.
<https://clicks.comparethemarket.com/f/a/Pk_PsSJ8EO4yVchcY7XcHw~~/AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdDvkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaafaug_7Q8E8KLZQAcc6vQG_dZJ-QmEp7izL-D1l_c_lU-eF4kZUbbFH3u96YAw93n3H2-WKWuRVIjmBo0yyWpZ2uqnBOmYWFSWfw2sOlKEjg3ZBCZEN_FqhXQy4jYKf9bfa11wWv4Cj4g0oyam2myNHsYBmBEd2WJ_cOiNJfSJedIuIv8Gcvsy2TjmAQWdCdRpi71c6JnGB3p4sHGfXLPZAugcGKZhCqi0OTzOKgFnZAogcQRFKXLZe36zPIBDm-1N6ulJSOoniQuZx5pRtkcOySQF6khVBsvdqVMbcapQZA~~>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/69496aec21607e24a67b7081/original.png?1766419180>
Give your balance breathing room
<https://clicks.comparethemarket.com/f/a/bg5XoFj__dGdmeaXU852Ew~~/AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdDvkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaalLrWMv1Wcz2_Yz3VFGeppzkpCkUzpBfq_xULT1bhAi0IY9395VKm7eKg1pyDOIzJKY7mZdMh7nkKoL0zIiozw6kWhIzzjEhv9Ixe6E5iRcWrZ_JwLx1iCMdQzD9DtwVkD1a-Ipi3Gwh57oXRcveZmuwHc1rP1rESyS0ZxOvWpH2z6-Up8fbdv87Y1TbXUefYfgb00vFwVvIF7Ks8ExZchUcBrd8vdmo5LtG0MUWyIEqQkC3J4yMXyuCHUIuWU8qoSjs8330j1VE3b5-bOu6DXDn0WFhQCQj2WIfF_WdDEtg~~>
Want a fresh financial start to the new year? The Barclaycard Platinum
36-month balance transfer card could bring your existing debt together and
give you extra time to tackle what you owe.
• 0% interest on balance transfers for 36 months
• 3.45% balance transfer fee
• 12 month Apple TV subscription
• £20 cashback
<https://clicks.comparethemarket.com/f/a/Di4CcK4EEFHYc-zpHUJiUQ~~/AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdDvkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaaxYPYh33Gq7kM-jVLu8RiD9k-gToONy0pOEiu_K05d2LDrGRaU4qRGDY6eYu882vnU_wUf762U-xZmXZWoGfolhqL1CclPdgSiuwhHxwdzYqaNcNAhfcpKpqZA3-fubxW9-S_4EUNF2eRKW61Ik-g-FNT2EYMxdjzGlA-4eKZknAzlC825XTqnKoH39bj9j5uTqKcz4EciRVS4ViRyNz-voJ8miidxnLHGEFSUBlgOrRnATwfALsTwzE-b09NtcmZd5-UOMCkKhmrUfShMJJmVWrMq7PaThhlSdzWtGDy5rA~~>
Compare credit cards
Representative example: Assumed borrowing of £1,200 for 1 year at a purchase
rate of 24.9% (variable), representative 24.9% APR (variable).
New customers, 18+, UK residents only. Balance transfers must be made within
60 days of account opening. Min transfer £250 (£2,500 to get cashback).
Barclaycard will email a verification code for Apple TV, offer availability
until 10am 29 January 2026. T&Cs apply. Eligibility subject to status.
<https://clicks.comparethemarket.com/f/a/xleDTXJHo7ZvvAN5Nq73TA~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimby-y5XyuoGMFeDmfA3uA3c_OnH29dVBvpElFUQgqlyH5Ta90kOKii2jRSThFIn_7-9Hmc1ccx1EE_v4UzSz3VTxzeu4GYballd6QWRLxp383QmiE-DelSDybrC5xtCnZIm6QDXyu8gxsCrRsFUH_WaoXF99yXDLfnN9um_23eICn19fQmlgBIrQFGgjlE-k0StO_de74Gb4tESh2OO_6yLd4G2C5i0o5w9doKW_nwYBfnltcSA2iKWYa_R9QqiEyKLlMkiE9S1gQjWiELjdZ0-RTWkJsDLKTLZim_67LABAw~~>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6942c08cfc7b2c1205c97ddb/original.png?1765982348>
Save on your spending abroad
<https://clicks.comparethemarket.com/f/a/BzqF13zp566rPropRubcHQ~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimbOigAroKRWnuhePy3W0G9DcDsxvM3veXPywvQdnOCGjQwcHCEnM3xUcpRbEDt0EhS6YYvjrDDWN51doADOFbAmp-zbVo_HII3_3288YjA6-OBVZQbGGPV6jjovDYAb9mL913exspdXAFXMdl2auEdgPFJTRHdNGGCWB2qwZJOiXo2JcOHlODvi8pONfLwGcFHd4XaePxZ0cv9L9-ElB7KjnhszZZVAsGosC0ChX8rFMy3H8f6csCLyFqiOhMby4xCPEKnUbbOo71U8IA6ZyBzhR1SMMh3GgRQEbtafY37sGw~~>
Planning a getaway? Spend overseas with ease thanks to the Lloyds Ultra
Credit Card:
• No foreign exchange fees on purchases
• 1% cashback on all card purchases in the first year (0.25% thereafter)
• No monthly account fee
<https://clicks.comparethemarket.com/f/a/Fwlx2sTxbr8_Szp0UfwT-g~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimaMVG2uGJkOHIU80NJs5HXyQfcy3uDdN4BfCK6kwfsgTIl5kin_xIGkQUKoXGldUK_XCOR6ujFoyEoKOUC_xmMBSRBPBnvXgZ4bxNvADuY58HhNkngjricb6onFX4gPrxvRPD3NCQWhyMr6QahrO_tTlIaxmySfBbY8a6D1ssc9pk54ejMcvLM2qnjrt4uTgNTv4S0ioMUOTNWdpxEKTYaiOk1PKVdVIImEyvFikQvtebRYWOlPEUJaizw8j_5DDcuciSyr0yTUeahvR09072BYZeYQhLcq-ZWG9A8bEcG-lQ~~>
Compare credit cards
12.9% Representative APR (variable) & Assumed borrowing of £1,200 for 1 year
at a purchase rate of 12.94% p.a. (variable), representative 12.9% APR
(variable).
UK residents 18+ only. Regular income and no history of bad credit required
(e.g. bankruptcy, IVA, or CCJs). Must not have been declined for a Lloyds
credit card in the last 30 days. Must make at least minimum payment on time
to receive cashback. Cashback paid annually in January. T&Cs apply.
<https://clicks.comparethemarket.com/f/a/YGdq7aqVBl7g8AYDd8hpWA~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimbZ_i5JMHAh9LNFDFjv5OyRSVuv1zyQuwfZK91VhMph7rdnn5IqW7qVyQxIItz8-o9nAFys6aF4IKpTUe2fIBltmU86Mp7SAUCkro41gYKdHGvtcvmlANzUdyzau8le6cV1trl7NQOnNEWi-mzF9iHD-vPfXJqVE9q5M90FOZNg_WFzsWu-vcMkRU8iHWHsmvwiRsktlx4RkXdJkCFgIhBC8XGs_rjcKxHIUf5bi2mQFuy4uClcnOZKSzhJH55LYxTTi__D9oNCbxv456tg8DEeieJcirUgKb4MSawlEtgYuA~~>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/69441eb074d638139c2f9adc/original.png?1766071984>
Give yourself more time to pay
<https://clicks.comparethemarket.com/f/a/guhFZXVJmH4g8uzXHX4-DQ~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimb0NQc1HaHy8pE3Wcacu_EuLMmE9P-zms3DFqhBYmbQpec5r6f8UQJ7JVR3aQ-Za3X3RyNXfQPPiv9z0Ihu1-Pv6aOQvBBgBwvgjCVOV9pmiSnD0V6Nf_vbQZ5vzDHAxQ4EJng7clquwvAy_dIVxoJZf4A8l_sJebKLQWvW1KswlxVleYshz1tSt4OJRT7nvbsY0D1EicnVFBGXw5Ovad0QeI1u-CgnAQz8ZPajwrSUWKIp9aOxQgDFq913TH9iVqItsPvNYujsnzLhhqyFxhJROPF3LdM0eNKfCRJJs1j0ng~~>
Planning a big purchase? The M&S Purchase Credit Card offers a long 0%
period on purchases, helping you spread the cost over time while earning
rewards on your M&S shopping.
• 0% interest on purchases for up to 25 months
• 0% interest on balance transfers for up to 12 months (3.49% fee, £5
minimum)
• Earn Rewards points with M&S
<https://clicks.comparethemarket.com/f/a/t7GWsgpV0j5vGN_1dXlbdA~~/AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsEHMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimYkbzuYt1km5m_UakmYweXMgEsIkXHF3Uyc0heR5AaMsfm_lRiIt0VAfwzCoDvmKL2bG5EsSlGudW6QkfhyPyfrU26kPuxCIR0K3H2ImMTtuGhc-vA9CX4nf-5zyHMc4JFRFPaLHX-DG6PkPIlaj_G2ugcvG2c703iAmR8LqZEH9rgWGl4WL4WPO6-gJ1ytJMG7N1hRtwl7dknsANRR0X447FTQk9wXDpPWlc8-erMNyeTZxD6SCNxpL5v3eSSyf9cSZ9wF9oV23N4beEshPyyw2knKroLnwVIY8X2_wQExsg~~>
Compare credit cards
Representative example: 24.9 APR (variable), 24.9% Purchase Rate (variable),
based on £1,200 credit limit.
18+, UK residents only with regular annual income/pension of at least
£6,800. You have not been declined for an M&S Credit Card within the last 30
days. Balance transfers must be made within 90 days. Credit subject to
eligibility and status.
<https://clicks.comparethemarket.com/f/a/NoAgd6iU3hJYaFT3nsW02w~~/AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8PwSQuLZLbezKJvrQ6mYYL91t33-YzK7RKDUrKyR3YYMifzm22cIX5lu2K_-HR5LJlphyGgMNNwYRZ5o85eWWCZfEpJJzO4E-fagH6qGcAH0Pfsdu1MjbOuMYm8lc4s3QfzlJ4yPm52ffp2AZCE8tBqjUAC05wRB5f4jdQ1zL407HlXpHNOLF-G-Y2ngvEvXmy5v7e3wrxKgREGzZ--jdwAIQg2Ha27G-Bl4lcjheJYc-yYU4kEx69B69FqhtnTFZvjfv-mSgIejistVbKDQxFnpjP8aha8u2y3oMHybfjA_UNcyRyTFQFj52gjCmQkvsRN>
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/69441de62d8df41334814bea/original.png?1766071781>
Reduce your monthly payments by £630
<https://clicks.comparethemarket.com/f/a/TY4vkSd6Y3PYTPPf3TN6ZQ~~/AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8PwSQuLZLbezKJvrQ6mYYL91sw6TMQp-F9siAnRvfORvsQEpHo76CYgSg_N7pvoQo82-qjY7foKe-ZqHxwlDa6xXN302kJXFShQ3tGlA0IIcrqOt9n6kISbdq1Ib1pml1ZNOcRi3RXjQJryuvS7eEDVemrWepZOe9G2GAFH3kgictGPcvoJ4hiumVKK6qJgRFL4V-gnDKPiEs-mO36ee_l-gHwXg8eBx8AVWfhnF0k-BW5_uiJcp65vd3c2cC7A7C-XbBYyI3D6VrVcRtSWhABWsIZ8iY05G-c5h29dlSUv6YndapBSoaF6NOiVOjlalRZP>
You could simplify your finances and reduce your monthly repayments by
around £630** with a debt consolidation loan.
Why consider a debt consolidation loan?
• Combine debts into one manageable payment
• Use your home as security to access lower rates
• Compare lenders and see what you could save
<https://clicks.comparethemarket.com/f/a/f2S3Ck7we_lFqtY4aSYNuA~~/AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8PwSQuLZLbezKJvrQ6mYYL91gDip4lRZZEaIUkn9BK3Y2K1_FEaVYZbCv2iOZNj_LTi7danMVUPKZZGKbRthBZm7SOfjooSN-uespnfYKKeBDW-0y8I_9gY3nP2rOru3axo1S00w5IyALs_k2Aa0bzj3C7TTk3HJLW430mMF1V2tlGNcCpxjrrUoQozZTAGdYok0NiLx84YdlwfwYqcWoGScCWNHi7wgw76rH_-oBqryb6NZllxdZ76pm_rWt6dDYGqtzPmx8Qf0sKT51TKG-HVd2LroEdG4LepYdaBzvsjIe7de-IKDOAg2gsuYH10vkFV>
Compare loans
LOWER MONTHLY PAYMENTS MAY MEAN A LONGER LOAN TERM AND HIGHER TOTAL AMOUNT
PAYABLE OVER TIME
Think carefully before securing other debts against your home. Your home may
be repossessed if you do not keep up repayments on a mortgage or any other
debt secured on it.
Representative example: A loan of £42,000 payable over 8 years. Total amount
payable £61,625.80 including interest (£14,826.60), broker fee (£3,891.30)
and product fee (£907.90). This will involve 60 monthly repayments of
£583.12 at 7.5% (fixed), and then 36 payments of £606.65 at 10.2% Standard
Variable Rate (SVR). The overall cost for comparison is 12.8% APRC
representative. Correct as of October 2025.
<https://cdn.braze.eu/appboy/communication/assets/image_assets/images/682306baf359810074563401/original.png?1747125945>
Compare the Market acts as a credit broker, not a lender. 18+ UK residents
only. Lending criteria based on personal circumstances. T&Cs may apply.
Borrow and spend responsibly.
Staying on top of your bills isn't always easy. Thankfully support is
available no matter your situationclick for more
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How to make your money go further in 2026
<https://clicks.comparethemarket.com/f/a/8sOjUwZdvhRIGGA3m_bdDg~~/AAAHahA~/iwqE2bl_TWzE7nQEpbQtUjW8LK_11FBk7g-fxtvtdRlzY2PHwfrxMaqkpLZAMoug84YE464X-sugL6PvnPaJAAW4Nkh2t740Mcc7zX5-gYJpVU9b59a1iSH_jrXzt3Wd9w4GH6jS9llAR6CKeMtRJArXYjpXgOwcuQZsICvPfWOpbivLobINAVV_3osr8MlfVHg3UjN_yGcMqNFtSwayPHdMUHszm6-H1ojyThrI1nBOSnKNxLCOPX-q1SXpS7oOHpDLvEVa7IsNa7Go8YpvZtCxz6MjsMvYpel2nHb-w19Pl9mnLo-E8Aer3UJpqhSxOuOlxpyKaB90Njz5K6mjfp2pKtwimnzffTEBlXM7FeCS7Udxo9l2pBE8ZzYK6BRl-o6mdQG_hQBESDTXnIRNRQ~~>
Managing your money better is a common New Year’s resolution. And we help
make it simpler to stick to – with clear, step-by-step budgeting tips
designed to help you meet your financial goals, whether you’re looking to
save more, get out of debt or free up more me time.
Find out more
<https://clicks.comparethemarket.com/f/a/HUIqkvQ1l7eUA0LCX5pB1A~~/AAAHahA~/iwqE2bl_TWzE7nQEpbQtUjW8LK_11FBk7g-fxtvtdRlzY2PHwfrxMaqkpLZAMoug84YE464X-sugL6PvnPaJAAW4Nkh2t740Mcc7zX5-gYLZ-Jg0gVCcZktntX-C1ukUXnb3XUGbdbMxSsdqPaZXtwyb4hC1gbPFN65RRrYAkF16JsJRy74NsqnKHOpIpDInm-RVNN7IY87JVEsd62dQtFuGJnmnrv2On-rxt8hvMXcBya6s0Un3K2xvrE8aDIoQSrWl96YZ-1Ho6pLf2LJoQDhi2teaRe5fX94qjyAeZCxDnVwjmjxAZK1nv6kYM6zUI569zzsuMOJoDPLD3QF25Ai7SwIR9UH9B-uDUpQUqBN8Ic3BahsRDVKtrp3HEv4OcreyHPzrtODCaP1mW6EaVw~~>
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– Enjoy 2 for 1 cinema tickets: Tuesdays or Wednesdays. Participating
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– Enjoy 25% off dining out: App only. Days available/no. of diners vary by
participating restaurant/outlet. Restrictions may apply to special menus.
– Enjoy 25% off barista-made drinks & pastries: App only. At Caffè Nero. 2
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** Based on secured loan completions for debt consolidation via Compare the
Market through Fluent Money Limited between March and October 2025, the
average reduction in monthly debt repayments was £633.53. Actual savings
will vary depending on individual circumstances and lender.
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<a =
href=3D"https://clicks.comparethemarket.com/f/a/xHg-6ilCA37FSVQApdHtnA~~/=
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</a>
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hdwn89c~" target=3D"_blank" alias=3D"NAV_Loa_txt" =
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Loans
</a>
| =20
<a =
href=3D"https://clicks.comparethemarket.com/f/a/90DZWzHaxL9l5FG4KU48oQ~~/=
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Car Insurance
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| =20
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nWqXr5nFwSpKFC8AFc5DL8C6lfm-MTHt2opZEFAoNHslqTNuh2RMf-zV2JfJl76_ozBzxIYUb=
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pMzCBzw~" target=3D"_blank" alias=3D"NAV_Lif_txt" =
style=3D"color:#0027D7; text-decoration:none;">
|
Life Insurance
</a>
</p> =20
</td>
</tr>
</table>=0A=
</div>=0A=
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<!-- HERO Start -->=0A=
<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab" =
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<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
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</td>=0A=
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</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td align=3D"center" bgcolor=3D"#FEFEFE" =
class=3D"bgblk">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/I8_VuAVAAXco8E_6vgKsQg~~/=
AAAHahA~/d85q6doikCGOe5uNURgx57Qo8AU94mIhOAhL3mY-VlAKjHvphpAMl4OH9rI25G-X=
rTypWPEEPyLN_f8iA8LoAf5uPrmQcbcFokJ2s4fuEPUaZMkpFJLgwnnAnvLEggrEgb1oa3H3F=
86HaC8E3d8vjsiq4mTGL4r67y3-o4382gRvq0YlVBXzekdb_FxN0RgykwEbWEvy00FZmMEhij=
hr5wiIJQKKw16RK5YK2F5MzMkopdhhX6r1ZA7_geUlHfRo-OEzJzP03Q1Yp-snvXzaz_BdX3p=
YeZe5Zs2EAAjWYovvdvD3r7KN37rRkqHQ_1aZfKqRw0KFXfh1KoJRiWPdjRZInoZfjN7qTEU1=
BSNN7jjoTWIhjMcQgfZnWL4q04QmNW8NUiiSkmGxwV4ohXptug~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" =
style=3D"font-family:'ApercuFur-Bold', Open Sans Condensed, =
Arial,sans-serif; font-size:36px; line-height:40px; font-weight:bold; =
color:#FEFEFE; text-align:left; text-transform: uppercase;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69417a8a0bde3410f0f3e577/original.png?1765898889" alt=3D"The simples =
way to save with a meerkat in water" style=3D"display: block; border: 0" =
border=3D"0" class=3D"hide" width=3D"640">=0A=
<!--[if !mso]><!-->=0A=
<div class=3D"show" style=3D"font-size: 0%; =
max-height: 0; width:0px; overflow: hidden; display: none;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69417a887cf72e0f86d0e5b1/original.png?1765898887" alt=3D"The simples =
way to save with a meerkat in water" style=3D"display: block; border: 0" =
border=3D"0" class=3D"respimg" width=3D"100%">=0A=
</div>=0A=
<!--<![endif]-->=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
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<!-- Intro Start -->=0A=
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=0A=
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=0A=
=0A=
<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab bgblk" =
role=3D"presentation" style=3D"width:640px;" bgcolor=3D"#FEFEFE">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop0 =
padbot24" style=3D"padding-top: 0px; padding-bottom: 24px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px;">=0A=
=0A=
<tr align=3D"center">=0A=
<td class=3D"darkmodetxt" align=3D"left" =
style=3D"font-family:'Simples', Arial,sans-serif; font-size:22px; =
line-height: 27px; color:#171B27; text-align:left; font-weight: bold; =
padding-bottom: 10px;">=0A=
Hey Robert,=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td class=3D"darkmodetxt" align=3D"left" =
style=3D"font-family: 'Simples', Arial,sans-serif; font-size:15px; =
line-height: 20px; color:#171B27; text-align:left;">=0A=
Make 2026 the year of more me time and simples =
saving. Whether it=E2=80=99s bringing balances together, planning your =
spending, or reviewing bigger borrowing, a few changes to your finances =
could mean less juggling, less stress and more me time.=0A=
</td>=0A=
</tr>=0A=
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</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<!-- Intro END -->=0A=
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border-bottom-right-radius:30px; border-bottom-left-radius:30px;" =
bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padtop0 padtop0" =
style=3D"padding-top: 0px; padding-bottom: 0px;">=0A=
<table align=3D"center" class=3D"resptab" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"640" =
role=3D"presentation" style=3D"width:640px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"" align=3D"center">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/Pk_PsSJ8EO4yVchcY7XcHw~~/=
AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdD=
vkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaafaug_7Q8E8KLZQAcc6vQG_dZJ-QmEp=
7izL-D1l_c_lU-eF4kZUbbFH3u96YAw93n3H2-WKWuRVIjmBo0yyWpZ2uqnBOmYWFSWfw2sOl=
KEjg3ZBCZEN_FqhXQy4jYKf9bfa11wWv4Cj4g0oyam2myNHsYBmBEd2WJ_cOiNJfSJedIuIv8=
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PIBDm-1N6ulJSOoniQuZx5pRtkcOySQF6khVBsvdqVMbcapQZA~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" =
style=3D"font-family:'ApercuFur-Bold', Open Sans Condensed, =
Arial,sans-serif; font-size:36px; line-height:40px; font-weight:bold; =
text-align:left; text-transform: uppercase;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69496aec21607e24a67b7081/original.png?1766419180" alt=3D"image of a =
Barclaycard" border=3D"0" class=3D"hide" width=3D"640" style=3D"display: =
block; border-top-right-radius:30px; border-top-left-radius:30px;">=0A=
<!--[if !mso]><!-->=0A=
<div class=3D"show" style=3D"font-size: =
0%; max-height: 0; width:0px; overflow: hidden; display: none;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69496aec21607e24a67b7081/original.png?1766419180" alt=3D"image of a =
Barclaycard" border=3D"0" class=3D"respimg" width=3D"100%" =
style=3D"display: block; border: 0; border-top-right-radius:30px; =
border-top-left-radius:30px;">=0A=
</div>=0A=
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</a>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
bgcolor=3D"#E8F6FF" style=3D"padding-top:40px; =
border-top-right-radius:0px; border-top-left-radius:0px; ">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px; border-bottom-right-radius:30px; =
border-bottom-left-radius:30px; " bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
style=3D"padding-bottom: 40px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" role=3D"presentation" style=3D"width:560px; =
border-radius: 20px; box-shadow: rgba(0, 0, 0, 0.1) 0px 4px 12px;" =
bgcolor=3D"#FEFEFE" class=3D"bgblk resptab">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 20px; padding-bottom: 20px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"560" class=3D"resptab" =
role=3D"presentation" style=3D"width:560px;">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
class=3D"padlr20">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"f26" =
align=3D"left" style=3D"font-family:'ApercuFur-Bold', Open Sans =
Condensed, Arial,sans-serif; font-size:26px; line-height: 36px; =
color:#0027D7; text-align:left; font-weight: bold;padding-top: 10px; =
text-transform: uppercase;">=0A=
<a style=3D"color:#0027D7; =
text-decoration: none" target=3D"_blank" =
href=3D"https://clicks.comparethemarket.com/f/a/bg5XoFj__dGdmeaXU852Ew~~/=
AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdD=
vkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaalLrWMv1Wcz2_Yz3VFGeppzkpCkUzpB=
fq_xULT1bhAi0IY9395VKm7eKg1pyDOIzJKY7mZdMh7nkKoL0zIiozw6kWhIzzjEhv9Ixe6E5=
iRcWrZ_JwLx1iCMdQzD9DtwVkD1a-Ipi3Gwh57oXRcveZmuwHc1rP1rESyS0ZxOvWpH2z6-Up=
8fbdv87Y1TbXUefYfgb00vFwVvIF7Ks8ExZchUcBrd8vdmo5LtG0MUWyIEqQkC3J4yMXyuCHU=
IuWU8qoSjs8330j1VE3b5-bOu6DXDn0WFhQCQj2WIfF_WdDEtg~~" alias=3D"">Give =
your balance breathing room</a>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding: 10px 0 10px 0;">=0A=
Want a fresh financial =
start to the new year? The Barclaycard Platinum 36-month balance =
transfer card could bring your existing debt together and give you extra =
time to tackle what you owe.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
=0A=
=0A=
=0A=
=0A=
<tr>=0A=
<td style=3D"padding:10px 0 =
10px 0;">=0A=
<table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"100%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">0% interest</strong> on balance transfers <strong =
style=3D"">for 36 months</strong>=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">3.45%</strong> balance <strong style=3D"">transfer =
fee</strong>=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
<strong =
style=3D"">=E2=80=A2 </strong> <strong style=3D"">12 month Apple =
TV</strong> subscription=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
<strong =
style=3D"">=E2=80=A2 =C2=A320 cashback</strong>=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
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</table>=0A=
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<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 10px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<th align=3D"left" =
class=3D"resptab db lfloat" valign=3D"top">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"resptab" role=3D"presentation" style=3D"width:230px;">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"cta resptab" role=3D"presentation" style=3D"width: 230px; =
border-radius: 25px; border: 2px solid #0027D7;" bgcolor=3D"#0027D7">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size: 16px; line-height: 24px; color: #FEFEFE; =
mso-line-height-rule: exactly; text-decoration: none; font-weight: =
bold;">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/Di4CcK4EEFHYc-zpHUJiUQ~~/=
AAAHahA~/WJeg9ms2xmnrnx8tAB7OTqY5xZhQUpQ7zoypDJvi60yk04_QFTOz8idHSrKcdzdD=
vkGeyxoHKNzK-Ma_XkMiHKpSww1Se2UEXnQudpHRxaaxYPYh33Gq7kM-jVLu8RiD9k-gToONy=
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dzYqaNcNAhfcpKpqZA3-fubxW9-S_4EUNF2eRKW61Ik-g-FNT2EYMxdjzGlA-4eKZknAzlC82=
5XTqnKoH39bj9j5uTqKcz4EciRVS4ViRyNz-voJ8miidxnLHGEFSUBlgOrRnATwfALsTwzE-b=
09NtcmZd5-UOMCkKhmrUfShMJJmVWrMq7PaThhlSdzWtGDy5rA~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" style=3D"font-family: =
'Simples', Arial,sans-serif; font-size: 16px; line-height: 24px; color: =
#FEFEFE; mso-line-height-rule: exactly; text-decoration: none; =
font-weight: bold; display: block; padding: 7px 24px;">=0A=
<span =
style=3D"font-size: 14px; line-height: px;">Compare credit cards</span>=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</th>=0A=
=0A=
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</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding-top: 24px;">=0A=
<strong =
style=3D"">Representative example: Assumed borrowing of =C2=A31,200 for =
1 year at a purchase rate of 24.9% (variable), representative 24.9% APR =
(variable)</strong>. <br><br>New customers, 18+, UK residents only. =
Balance transfers must be made within 60 days of account opening. Min =
transfer =C2=A3250 (=C2=A32,500 to get cashback). Barclaycard will email =
a verification code for Apple TV, offer availability until 10am 29 =
January 2026. T&Cs apply. Eligibility subject to status.=0A=
</td>=0A=
</tr>=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px;" bgcolor=3D"#E8F6FF">=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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<!-- Intro Start -->=0A=
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<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab bgblk" =
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<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop24 =
padbot24" style=3D"padding-top: 24px; padding-bottom: 24px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px;">=0A=
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</table>=0A=
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</table>=0A=
<!-- Intro END -->=0A=
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=0A=
<table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab" =
role=3D"presentation" style=3D"width:640px; =
border-top-right-radius:30px; border-top-left-radius:30px; =
border-bottom-right-radius:30px; border-bottom-left-radius:30px;" =
bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padtop0 padtop0" =
style=3D"padding-top: 0px; padding-bottom: 0px;">=0A=
<table align=3D"center" class=3D"resptab" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"640" =
role=3D"presentation" style=3D"width:640px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"" align=3D"center">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/xleDTXJHo7ZvvAN5Nq73TA~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimby-y5XyuoGMFeDmfA3uA3c_OnH29dVB=
vpElFUQgqlyH5Ta90kOKii2jRSThFIn_7-9Hmc1ccx1EE_v4UzSz3VTxzeu4GYballd6QWRLx=
p383QmiE-DelSDybrC5xtCnZIm6QDXyu8gxsCrRsFUH_WaoXF99yXDLfnN9um_23eICn19fQm=
lgBIrQFGgjlE-k0StO_de74Gb4tESh2OO_6yLd4G2C5i0o5w9doKW_nwYBfnltcSA2iKWYa_R=
9QqiEyKLlMkiE9S1gQjWiELjdZ0-RTWkJsDLKTLZim_67LABAw~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" =
style=3D"font-family:'ApercuFur-Bold', Open Sans Condensed, =
Arial,sans-serif; font-size:36px; line-height:40px; font-weight:bold; =
text-align:left; text-transform: uppercase;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6942c08cfc7b2c1205c97ddb/original.png?1765982348" alt=3D"LLOYDS ULTRA =
CREDIT CARD" border=3D"0" class=3D"hide" width=3D"640" style=3D"display: =
block; border-top-right-radius:30px; border-top-left-radius:30px;">=0A=
<!--[if !mso]><!-->=0A=
<div class=3D"show" style=3D"font-size: =
0%; max-height: 0; width:0px; overflow: hidden; display: none;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6942c08cfc7b2c1205c97ddb/original.png?1765982348" alt=3D"LLOYDS ULTRA =
CREDIT CARD" border=3D"0" class=3D"respimg" width=3D"100%" =
style=3D"display: block; border: 0; border-top-right-radius:30px; =
border-top-left-radius:30px;">=0A=
</div>=0A=
<!--<![endif]-->=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
bgcolor=3D"#E8F6FF" style=3D"padding-top:40px; =
border-top-right-radius:0px; border-top-left-radius:0px; ">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px; border-bottom-right-radius:30px; =
border-bottom-left-radius:30px; " bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
style=3D"padding-bottom: 40px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" role=3D"presentation" style=3D"width:560px; =
border-radius: 20px; box-shadow: rgba(0, 0, 0, 0.1) 0px 4px 12px;" =
bgcolor=3D"#FEFEFE" class=3D"bgblk resptab">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 20px; padding-bottom: 20px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"560" class=3D"resptab" =
role=3D"presentation" style=3D"width:560px;">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
class=3D"padlr20">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"f26" =
align=3D"left" style=3D"font-family:'ApercuFur-Bold', Open Sans =
Condensed, Arial,sans-serif; font-size:26px; line-height: 36px; =
color:#0027D7; text-align:left; font-weight: bold;padding-top: 10px; =
text-transform: uppercase;">=0A=
<a style=3D"color:#0027D7; =
text-decoration: none" target=3D"_blank" =
href=3D"https://clicks.comparethemarket.com/f/a/BzqF13zp566rPropRubcHQ~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimbOigAroKRWnuhePy3W0G9DcDsxvM3ve=
XPywvQdnOCGjQwcHCEnM3xUcpRbEDt0EhS6YYvjrDDWN51doADOFbAmp-zbVo_HII3_3288Yj=
A6-OBVZQbGGPV6jjovDYAb9mL913exspdXAFXMdl2auEdgPFJTRHdNGGCWB2qwZJOiXo2JcOH=
lODvi8pONfLwGcFHd4XaePxZ0cv9L9-ElB7KjnhszZZVAsGosC0ChX8rFMy3H8f6csCLyFqiO=
hMby4xCPEKnUbbOo71U8IA6ZyBzhR1SMMh3GgRQEbtafY37sGw~~" alias=3D"">Save on =
your spending abroad</a>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding: 10px 0 10px 0;">=0A=
Planning a getaway? Spend =
overseas with ease thanks to the Lloyds Ultra Credit Card:=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
=0A=
=0A=
=0A=
=0A=
<tr>=0A=
<td style=3D"padding:10px 0 =
10px 0;">=0A=
<table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"100%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">No foreign exchange fees </strong>on purchases=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">1% cashback </strong>on all card purchases in the first year =
(0.25% thereafter)=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 No =
monthly account fee=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 10px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<th align=3D"left" =
class=3D"resptab db lfloat" valign=3D"top">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"resptab" role=3D"presentation" style=3D"width:230px;">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"cta resptab" role=3D"presentation" style=3D"width: 230px; =
border-radius: 25px; border: 2px solid #0027D7;" bgcolor=3D"#0027D7">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size: 16px; line-height: 24px; color: #FEFEFE; =
mso-line-height-rule: exactly; text-decoration: none; font-weight: =
bold;">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/Fwlx2sTxbr8_Szp0UfwT-g~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimaMVG2uGJkOHIU80NJs5HXyQfcy3uDdN=
4BfCK6kwfsgTIl5kin_xIGkQUKoXGldUK_XCOR6ujFoyEoKOUC_xmMBSRBPBnvXgZ4bxNvADu=
Y58HhNkngjricb6onFX4gPrxvRPD3NCQWhyMr6QahrO_tTlIaxmySfBbY8a6D1ssc9pk54ejM=
cvLM2qnjrt4uTgNTv4S0ioMUOTNWdpxEKTYaiOk1PKVdVIImEyvFikQvtebRYWOlPEUJaizw8=
j_5DDcuciSyr0yTUeahvR09072BYZeYQhLcq-ZWG9A8bEcG-lQ~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" style=3D"font-family: =
'Simples', Arial,sans-serif; font-size: 16px; line-height: 24px; color: =
#FEFEFE; mso-line-height-rule: exactly; text-decoration: none; =
font-weight: bold; display: block; padding: 7px 24px;">=0A=
<span =
style=3D"font-size: 14px; line-height: px;">Compare credit cards</span>=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</th>=0A=
=0A=
=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding-top: 24px;">=0A=
<span style=3D"font-size: =
15px; line-height: px;"><strong style=3D"">12.9% Representative APR =
(variable) & Assumed borrowing of =C2=A31,200 for 1 year at a =
purchase rate of 12.94% p.a. (variable), representative 12.9% APR =
(variable).<br><br></strong>UK residents 18+ only. Regular income and no =
history of bad credit required (e.g. bankruptcy, IVA, or CCJs). Must not =
have been declined for a Lloyds credit card in the last 30 days. Must =
make at least minimum payment on time to receive cashback. Cashback paid =
annually in January. T&Cs apply. </span>=0A=
</td>=0A=
</tr>=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px;" bgcolor=3D"#E8F6FF">=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
=0A=
<!-- Intro Start -->=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab bgblk" =
role=3D"presentation" style=3D"width:640px;" bgcolor=3D"#FEFEFE">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop24 =
padbot24" style=3D"padding-top: 24px; padding-bottom: 24px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px;">=0A=
=0A=
=0A=
=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<!-- Intro END -->=0A=
=0A=
=0A=
<table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab" =
role=3D"presentation" style=3D"width:640px; =
border-top-right-radius:30px; border-top-left-radius:30px; =
border-bottom-right-radius:30px; border-bottom-left-radius:30px;" =
bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padtop0 padbot0" =
style=3D"padding-top: 0px; padding-bottom: 0px;">=0A=
<table align=3D"center" class=3D"resptab" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"640" =
role=3D"presentation" style=3D"width:640px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"" align=3D"center">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/YGdq7aqVBl7g8AYDd8hpWA~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimbZ_i5JMHAh9LNFDFjv5OyRSVuv1zyQu=
wfZK91VhMph7rdnn5IqW7qVyQxIItz8-o9nAFys6aF4IKpTUe2fIBltmU86Mp7SAUCkro41gY=
KdHGvtcvmlANzUdyzau8le6cV1trl7NQOnNEWi-mzF9iHD-vPfXJqVE9q5M90FOZNg_WFzsWu=
-vcMkRU8iHWHsmvwiRsktlx4RkXdJkCFgIhBC8XGs_rjcKxHIUf5bi2mQFuy4uClcnOZKSzhJ=
H55LYxTTi__D9oNCbxv456tg8DEeieJcirUgKb4MSawlEtgYuA~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" =
style=3D"font-family:'ApercuFur-Bold', Open Sans Condensed, =
Arial,sans-serif; font-size:36px; line-height:40px; font-weight:bold; =
text-align:left; text-transform: uppercase;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69441eb074d638139c2f9adc/original.png?1766071984" alt=3D"M&S =
Card" border=3D"0" class=3D"hide" width=3D"640" style=3D"display: block; =
border-top-right-radius:30px; border-top-left-radius:30px;">=0A=
<!--[if !mso]><!-->=0A=
<div class=3D"show" style=3D"font-size: =
0%; max-height: 0; width:0px; overflow: hidden; display: none;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69441eb074d638139c2f9adc/original.png?1766071984" alt=3D"M&S =
Card" border=3D"0" class=3D"respimg" width=3D"100%" style=3D"display: =
block; border: 0; border-top-right-radius:30px; =
border-top-left-radius:30px;">=0A=
</div>=0A=
<!--<![endif]-->=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
bgcolor=3D"#E8F6FF" style=3D"padding-top:40px; =
border-top-right-radius:0px; border-top-left-radius:0px; ">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px; border-bottom-right-radius:30px; =
border-bottom-left-radius:30px; " bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
style=3D"padding-bottom: 40px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" role=3D"presentation" style=3D"width:560px; =
border-radius: 20px; box-shadow: rgba(0, 0, 0, 0.1) 0px 4px 12px;" =
bgcolor=3D"#FEFEFE" class=3D"bgblk resptab">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 20px; padding-bottom: 20px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"560" class=3D"resptab" =
role=3D"presentation" style=3D"width:560px;">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
class=3D"padlr20">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"f26" =
align=3D"left" style=3D"font-family:'ApercuFur-Bold', Open Sans =
Condensed, Arial,sans-serif; font-size:26px; line-height: 36px; =
color:#0027D7; text-align:left; font-weight: bold;padding-top: 10px; =
text-transform: uppercase;">=0A=
<a style=3D"color:#0027D7; =
text-decoration: none" target=3D"_blank" =
href=3D"https://clicks.comparethemarket.com/f/a/guhFZXVJmH4g8uzXHX4-DQ~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimb0NQc1HaHy8pE3Wcacu_EuLMmE9P-zm=
s3DFqhBYmbQpec5r6f8UQJ7JVR3aQ-Za3X3RyNXfQPPiv9z0Ihu1-Pv6aOQvBBgBwvgjCVOV9=
pmiSnD0V6Nf_vbQZ5vzDHAxQ4EJng7clquwvAy_dIVxoJZf4A8l_sJebKLQWvW1KswlxVleYs=
hz1tSt4OJRT7nvbsY0D1EicnVFBGXw5Ovad0QeI1u-CgnAQz8ZPajwrSUWKIp9aOxQgDFq913=
TH9iVqItsPvNYujsnzLhhqyFxhJROPF3LdM0eNKfCRJJs1j0ng~~" alias=3D"">Give =
yourself more time to pay</a>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding: 10px 0 10px 0;">=0A=
Planning a big purchase? =
The M&S Purchase Credit Card offers a long 0% period on purchases, =
helping you spread the cost over time while earning rewards on your =
M&S shopping.=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
=0A=
=0A=
=0A=
=0A=
<tr>=0A=
<td style=3D"padding:10px 0 =
10px 0;">=0A=
<table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"100%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">0% interest on purchases for up to 25 months</strong>=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
<strong =
style=3D"">=E2=80=A2 0% interest on balance transfers for up to 12 =
months</strong> (3.49% fee, =C2=A35 minimum)=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 <strong =
style=3D"">Earn Rewards points</strong> with M&S=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
=0A=
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=0A=
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</table>=0A=
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<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 10px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<th align=3D"left" =
class=3D"resptab db lfloat" valign=3D"top">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"resptab" role=3D"presentation" style=3D"width:230px;">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"cta resptab" role=3D"presentation" style=3D"width: 230px; =
border-radius: 25px; border: 2px solid #0027D7;" bgcolor=3D"#0027D7">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size: 16px; line-height: 24px; color: #FEFEFE; =
mso-line-height-rule: exactly; text-decoration: none; font-weight: =
bold;">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/t7GWsgpV0j5vGN_1dXlbdA~~/=
AAAHahA~/d85q6doikCGOe5uNURgx5wQHsP23zw9TDdrRf2_p86NVkujJRKMsP6cMNUgGErsE=
HMVRCSa05Z_Iu12PZ5d9PzjR7O2T4ZXkkstPb_GYimYkbzuYt1km5m_UakmYweXMgEsIkXHF3=
Uyc0heR5AaMsfm_lRiIt0VAfwzCoDvmKL2bG5EsSlGudW6QkfhyPyfrU26kPuxCIR0K3H2ImM=
TtuGhc-vA9CX4nf-5zyHMc4JFRFPaLHX-DG6PkPIlaj_G2ugcvG2c703iAmR8LqZEH9rgWGl4=
WL4WPO6-gJ1ytJMG7N1hRtwl7dknsANRR0X447FTQk9wXDpPWlc8-erMNyeTZxD6SCNxpL5v3=
eSSyf9cSZ9wF9oV23N4beEshPyyw2knKroLnwVIY8X2_wQExsg~~" alias=3D"" =
data-linkto=3D"https://" target=3D"_blank" style=3D"font-family: =
'Simples', Arial,sans-serif; font-size: 16px; line-height: 24px; color: =
#FEFEFE; mso-line-height-rule: exactly; text-decoration: none; =
font-weight: bold; display: block; padding: 7px 24px;">=0A=
=
Compare credit cards=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</th>=0A=
=0A=
=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding-top: 24px;">=0A=
<span style=3D"font-size: =
15px; line-height: px;"><strong style=3D"">Representative example: 24.9 =
APR (variable), 24.9% Purchase Rate (variable), based on =C2=A31,200 =
credit limit.<br><br></strong>18+, UK residents only with regular annual =
income/pension of at least =C2=A36,800. You have not been declined for =
an M&S Credit Card within the last 30 days. Balance transfers must =
be made within 90 days. Credit subject to eligibility and status.</span>=0A=
</td>=0A=
</tr>=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
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</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px;" bgcolor=3D"#E8F6FF">=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
=0A=
<!-- Intro Start -->=0A=
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<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab bgblk" =
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<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop24 =
padbot24" style=3D"padding-top: 24px; padding-bottom: 24px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px;">=0A=
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<table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab" =
role=3D"presentation" style=3D"width:640px; =
border-top-right-radius:30px; border-top-left-radius:30px; =
border-bottom-right-radius:30px; border-bottom-left-radius:30px;" =
bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padtop0 padbot0" =
style=3D"padding-top: 0px; padding-bottom: 0px;">=0A=
<table align=3D"center" class=3D"resptab" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"640" =
role=3D"presentation" style=3D"width:640px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"" align=3D"center">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/NoAgd6iU3hJYaFT3nsW02w~~/=
AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8Pw=
SQuLZLbezKJvrQ6mYYL91t33-YzK7RKDUrKyR3YYMifzm22cIX5lu2K_-HR5LJlphyGgMNNwY=
RZ5o85eWWCZfEpJJzO4E-fagH6qGcAH0Pfsdu1MjbOuMYm8lc4s3QfzlJ4yPm52ffp2AZCE8t=
BqjUAC05wRB5f4jdQ1zL407HlXpHNOLF-G-Y2ngvEvXmy5v7e3wrxKgREGzZ--jdwAIQg2Ha2=
7G-Bl4lcjheJYc-yYU4kEx69B69FqhtnTFZvjfv-mSgIejistVbKDQxFnpjP8aha8u2y3oMHy=
bfjA_UNcyRyTFQFj52gjCmQkvsRN" alias=3D"" data-linkto=3D"https://" =
target=3D"_blank" style=3D"font-family:'ApercuFur-Bold', Open Sans =
Condensed, Arial,sans-serif; font-size:36px; line-height:40px; =
font-weight:bold; text-align:left; text-transform: uppercase;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69441de62d8df41334814bea/original.png?1766071781" alt=3D"Sergei and =
piggy bank" border=3D"0" class=3D"hide" width=3D"640" style=3D"display: =
block; border-top-right-radius:30px; border-top-left-radius:30px;">=0A=
<!--[if !mso]><!-->=0A=
<div class=3D"show" style=3D"font-size: =
0%; max-height: 0; width:0px; overflow: hidden; display: none;">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/69441de62d8df41334814bea/original.png?1766071781" alt=3D"Sergei and =
piggy bank" border=3D"0" class=3D"respimg" width=3D"100%" =
style=3D"display: block; border: 0; border-top-right-radius:30px; =
border-top-left-radius:30px;">=0A=
</div>=0A=
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</a>=0A=
</td>=0A=
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<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
bgcolor=3D"#E8F6FF" style=3D"padding-top:40px; =
border-top-right-radius:0px; border-top-left-radius:0px; ">=0A=
=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px; border-bottom-right-radius:30px; =
border-bottom-left-radius:30px; " bgcolor=3D"#E8F6FF">=0A=
<tr align=3D"center">=0A=
<td class=3D"padlr20" align=3D"center" =
style=3D"padding-bottom: 40px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" role=3D"presentation" style=3D"width:560px; =
border-radius: 20px; box-shadow: rgba(0, 0, 0, 0.1) 0px 4px 12px;" =
bgcolor=3D"#FEFEFE" class=3D"bgblk resptab">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 20px; padding-bottom: 20px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"560" class=3D"resptab" =
role=3D"presentation" style=3D"width:560px;">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
class=3D"padlr20">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<td class=3D"f26" =
align=3D"left" style=3D"font-family:'ApercuFur-Bold', Open Sans =
Condensed, Arial,sans-serif; font-size:26px; line-height: 36px; =
color:#0027D7; text-align:left; font-weight: bold;padding-top: 10px; =
text-transform: uppercase;">=0A=
<a style=3D"color:#0027D7; =
text-decoration: none" target=3D"_blank" =
href=3D"https://clicks.comparethemarket.com/f/a/TY4vkSd6Y3PYTPPf3TN6ZQ~~/=
AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8Pw=
SQuLZLbezKJvrQ6mYYL91sw6TMQp-F9siAnRvfORvsQEpHo76CYgSg_N7pvoQo82-qjY7foKe=
-ZqHxwlDa6xXN302kJXFShQ3tGlA0IIcrqOt9n6kISbdq1Ib1pml1ZNOcRi3RXjQJryuvS7eE=
DVemrWepZOe9G2GAFH3kgictGPcvoJ4hiumVKK6qJgRFL4V-gnDKPiEs-mO36ee_l-gHwXg8e=
Bx8AVWfhnF0k-BW5_uiJcp65vd3c2cC7A7C-XbBYyI3D6VrVcRtSWhABWsIZ8iY05G-c5h29d=
lSUv6YndapBSoaF6NOiVOjlalRZP" alias=3D"">Reduce your monthly payments by =
=C2=A3630</a>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding: 10px 0 10px 0;">=0A=
<strong style=3D"">You =
could simplify your finances and reduce your monthly repayments by =
around =C2=A3630**</strong> with a debt consolidation loan.<br><br>Why =
consider a debt consolidation loan?=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
=0A=
=0A=
=0A=
=0A=
<tr>=0A=
<td style=3D"padding:10px 0 =
10px 0;">=0A=
<table width=3D"100%" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"100%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 Combine =
debts into one manageable payment=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 Use your =
home as security to access lower rates=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td width=3D"50%" =
style=3D"padding:8px; text-align:left;" class=3D"darkmodetxt">=0A=
<h4 =
style=3D"margin:0; font-family: 'Simples', Arial,sans-serif; font-size: =
16px; font-weight:normal; color:#001964; line-height:1.25em;" =
class=3D"darkmodetxt">=0A=
=E2=80=A2 Compare =
lenders and see what you could save=0A=
</h4>=0A=
</td>=0A=
</tr>=0A=
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=0A=
=0A=
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</table>=0A=
</td>=0A=
</tr>=0A=
=0A=
<tr align=3D"center">=0A=
<td align=3D"center" =
style=3D"padding-top: 10px;">=0A=
<table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"480" class=3D"resptab" =
role=3D"presentation" style=3D"width:480px;">=0A=
<tr align=3D"center">=0A=
<th align=3D"left" =
class=3D"resptab db lfloat" valign=3D"top">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"resptab" role=3D"presentation" style=3D"width:230px;">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center">=0A=
<table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"230" =
class=3D"cta resptab" role=3D"presentation" style=3D"width: 230px; =
border-radius: 25px; border: 2px solid #0027D7;" bgcolor=3D"#0027D7">=0A=
<tr =
align=3D"center">=0A=
<td =
align=3D"center" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size: 16px; line-height: 24px; color: #FEFEFE; =
mso-line-height-rule: exactly; text-decoration: none; font-weight: =
bold;">=0A=
<a =
href=3D"https://clicks.comparethemarket.com/f/a/f2S3Ck7we_lFqtY4aSYNuA~~/=
AAAHahA~/B7NLMdKf66UWjOddKiPwVBFDlko_aVgXX21ZMj6pQfcBeKxDMFyaltBczWQZA8Pw=
SQuLZLbezKJvrQ6mYYL91gDip4lRZZEaIUkn9BK3Y2K1_FEaVYZbCv2iOZNj_LTi7danMVUPK=
ZZGKbRthBZm7SOfjooSN-uespnfYKKeBDW-0y8I_9gY3nP2rOru3axo1S00w5IyALs_k2Aa0b=
zj3C7TTk3HJLW430mMF1V2tlGNcCpxjrrUoQozZTAGdYok0NiLx84YdlwfwYqcWoGScCWNHi7=
wgw76rH_-oBqryb6NZllxdZ76pm_rWt6dDYGqtzPmx8Qf0sKT51TKG-HVd2LroEdG4LepYdaB=
zvsjIe7de-IKDOAg2gsuYH10vkFV" alias=3D"" data-linkto=3D"https://" =
target=3D"_blank" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size: 16px; line-height: 24px; color: #FEFEFE; =
mso-line-height-rule: exactly; text-decoration: none; font-weight: bold; =
display: block; padding: 7px 24px;">=0A=
=
Compare loans=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</th>=0A=
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</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<tr align=3D"center">=0A=
<td align=3D"left" =
class=3D"darkmodetxt" style=3D"font-family: 'Simples', Arial,sans-serif; =
font-size:16px; line-height: 20px; color:#001964; text-align:left; =
padding-top: 24px;">=0A=
LOWER MONTHLY PAYMENTS MAY =
MEAN A LONGER LOAN TERM AND HIGHER TOTAL AMOUNT PAYABLE OVER TIME =
<br><br>Think carefully before securing other debts against your home. =
Your home may be repossessed if you do not keep up repayments on a =
mortgage or any other debt secured on it.<br><br><strong =
style=3D"">Representative example: A loan of =C2=A342,000 payable over 8 =
years. Total amount payable =C2=A361,625.80 including interest =
(=C2=A314,826.60), broker fee (=C2=A33,891.30) and product fee =
(=C2=A3907.90). This will involve 60 monthly repayments of =C2=A3583.12 =
at 7.5% (fixed), and then 36 payments of =C2=A3606.65 at 10.2% Standard =
Variable Rate (SVR). The overall cost for comparison is 12.8% APRC =
representative.</strong> <strong style=3D"">Correct as of October =
2025.</strong>=0A=
</td>=0A=
</tr>=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"640" class=3D"resptab" role=3D"presentation" =
style=3D"width:640px;" bgcolor=3D"#E8F6FF">=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
=0A=
<!-- Intro Start -->=0A=
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=0A=
=0A=
<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab bgblk" =
role=3D"presentation" style=3D"width:640px;" bgcolor=3D"#FEFEFE">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop16 =
padtop40bot16" style=3D"padding-top: 16px; padding-bottom: 16px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px;">=0A=
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</table>=0A=
</td>=0A=
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</table>=0A=
<!-- Intro END -->=0A=
=0A=
<!-- Credit Broker END -->=0A=
=0A=
<table cellpadding=3D"0" align=3D"center" =
cellspacing=3D"0" border=3D"0" width=3D"640" class=3D"resptab" =
role=3D"presentation" bgcolor=3D"#FEFEFE" style=3D"width:640px; ">=0A=
<tr align=3D"center">=0A=
<td align=3D"center" class=3D"padlr20 padtop24 =
padbot24" style=3D"padding-top: 24px; padding-bottom: 24px;">=0A=
<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"560" class=3D"resptab" role=3D"presentation" =
style=3D"width:560px; border-top: 1px solid #0027D7; border-bottom: 1px =
solid #0027D7;">=0A=
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Managing your money better =
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GET YOUR PAWS ON =
THE<br>MEERKAT APP
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The Meerkat app is the best way =
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it=E2=80=99s your first port of call to quickly meerkat everything from =
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2nVdBABmRxKEALhUFTb-cIz0jLQys9mV4wiW97pMHJrdEP3d1znCxTGT9FfKhKEvfhjbxg3yh=
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Please be aware that this email is not a sales confirmation =
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