Privacy Policy & Cookies

This Privacy Policy applies between you, the User of this Website and Ray Arman (A Trading Style of Rayan Arman) the owner and manager of this Website.

The Privacy Policy applies to the use of any and all Data collected in relation to your use of the Website.

1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

"Data" defines collectively all information that you submit to the Ray Arman via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998.

"Ray Arman" is a trading style of Rayan Arman.

"User" means any third party that accesses the Website and is not employed by Ray Arman and acting in the course of their employment; and "Website" means the website that you are currently using (www.themoneycalculator.com) and any sub-domains of this site unless expressly excluded by their own terms and conditions.

2. Scope of this Privacy Policy

This Privacy Policy applies only to the actions of Ray Arman and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links provided to social media websites.

3. Data Collected

Without limitation, the following Data may be collected by this Website from time to time – specifically within advice request forms; personal information such as name, address, contact details as well as specific category information such as mortgage, loan, investment, pension requirements.

4. Our Use of Data

4.1 Any personal Data you submit will be retained by Ray Arman.

4.2 Unless we are obliged or permitted by law to do so, and subject to Clause 5, your Data will not be disclosed to third parties.

4.3 All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998. Fore more details on security see Clause 11 below.

4.4 Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:

4.4.1 internal record keeping;

4.4.2 improvement of our products / services;

4.4.3 transmission by email of promotional materials that may be of interest to you;

4.4.4 contact for market research purposes which may be done using email, telephone, fax or mail.

You have the right to request any data held by us that can be identified as your data. Please contact us by email to make any such request.

5. Third Party Websites and Services

5.1 Ray Arman may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment processing, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services do not have access to certain personal Data provided by Users of this Website.

5.2 Any Data used by such parties is used only to the extent required by them to perform the services that Ray Arman requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998.

6. Links to Other Websites

This Website may, from time to time, provide links to other websites. Ray Arman has no control over such websites and is in no way responsible for the content thereof. This Policy does not extend to your use of such websites. Users are advised to read the privacy policy or statement of other websites prior to using them.

7. Changes of Business Ownership and Control

7.1 Ray Arman may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of Ray Arman. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.

7.2 In the event that any Data submitted by Users is to be transferred in such a manner, you will not be contacted in advance and informed of the changes. When contacted you will not be given the choice to have your Data deleted or withheld from the new owner or controller.

8. Controlling Use of Your Data

8.1 Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following:

8.1.1 use of Data for direct marketing purposes; and

8.1.2 sharing Data with third parties.

9. Your Right to Withhold Information

You may access the Website without providing any Data at all.

10. Accessing your own Data

You have the right to ask for a copy of any of your personal Data we may hold - please contact us.

11. Security

11.1 Data security is of great importance to Ray Arman and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website.

12. Changes to this Policy

Ray Arman reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations.

13. Google Analytics and Google Ads

This website will only use cookies to distinguish you from other visitors when providing information to you. This helps us to provide you with a good experience when you browse our websites and also allows us to improve our websites and our services. The cookies that we use on our websites only collect anonymous information to optimise our services, and do not collect personal information.

We also set third party cookies. Please note that these are set by services we use to provide additional functionality such as social media sharing and bookmarking as well as website analytics.

This website makes use of the 'Analytics' and 'Adsense' services provided by Google. By using this website you also consent to any data collection, sharing and usage by Google as part of the services they provide. This includes data collection for advertising features such as Remarketing, Impression Reporting and Demographics and Interests Reporting. You are able to opt-out of this type of tracking by using the settings within your browser to prevent tracking or within the settings of your mobile device. In addition, a plugin for your browser is available from Google to block tracking as above. It is available here.

Google's privacy policy is available online at: http://www.google.com/privacypolicy.html. We may publish Google AdSense interest-based advertisements on our website. These are tailored by Google to reflect your interests. Interest-based ads are based on your behaviour on our website and on other websites across the web using the DART cookie. You can view, delete or add interest categories associated with your browser using Google’s Ads Preference Manager, available at: http://www.google.com/ads/preferences/.

You can opt out of the AdSense partner network cookie at: http://www.google.com/privacy/ads/ or by using the NAI’s (Network Advertising Initiative’s) multi-cookie opt-out mechanism at: http://www.networkadvertising.org/managing/opt_out.asp.

Analytical cookies allow us to recognise and to count the number of visitors to our website, to see how visitors move around the website when they are using it and to record which content viewers view and are interested in. This helps us to determine how frequently particular pages and advertisements are visited and to determine the most popular areas of our website and/or services. This helps us to improve the service which we offer to you by helping us make sure our users are finding the information they are looking for, by providing anonymised demographic data to third parties in order to target advertising more appropriately to you, and by tracking the success of advertising campaigns on our website.

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£75,000 repayment mortgage on a property valued at £100,000 (min 75% LTV). Mortgage Term 25 Years. Costs compared over 3 years.

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£5,000 loan. Loan Term 3 years. Compared Over The Term of the Loan.

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£250 purchase balance and £500 balance transfer. Repaid over 2 years at the higher of 3% minimum payment/£5. Comparing the total cost of credit.

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£1,000 saved over 3 years. Does not take into charges. For non-ISA accounts, 20% tax at source is assumed. You can get a full breakdown when you compare.

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£1,000 invested over 3 years. Does not take into account taxation or charges, you can get a full breakdown when you compare.

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£150 invested every month for 3 years. Does not take into account taxation, inflation or charges, you can get a full breakdown click get more info.

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Search from a small selection of pension plans. For more Consult a Qualified Financial Advisor

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Mortgage Assumptions

  • Fees

    All fees charged will be paid upfront rather than added to the cost of the mortgage.

  • Costs

    Total costs consist of the full monthly payment amount over the comparison period, plus the upfront fees.

  • Offer Period

    When a initial interest rate offer ends, the monthly payment will be recalculated at the standard rate based upon the remaining balance at the time.

  • Tracker and Discount Rates

    With tracker and discount mortgages, please note that the costs will assume the base rate or lenders variable rate stay the same as now for the duration of the comparison.

Loan Assumptions

  • Fees

    No fees have been taken into account.

  • Costs

    Total costs consist of the total INTEREST charged over the term of the loan.

Credit Card Assumptions

  • Fees

    Balance Transfer fees will be added to the balance transfer balance on the card.

  • Minimum Payments

    Payments will be assumed to be made at either 3% of the total outstanding balance or £5, whichever is the higher.

  • Payment Priority

    Balances will be paid off in the following order: 1. Purchases, 2. Balance Transfers.

  • Rate Offers

    When the offer period on a promotional/initial rate expires, interest will be charged at the normal rate.

  • Total Costs

    These take into account the amount of INTEREST charged during the comparison period.

Savings Assumptions

  • Charges

    No charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from earned interest. For other account types, 20% tax will be deducted at the point the interest in paid.

  • Bonus Rates

    When bonus rates expire, the interest rate will revert to the normal rate advertised. In the case of fixed rate bonds, once the bond period ends, no interest will be paid.

  • Interest Period

    Monthly interest in calculated and paid monthly. Annual interest will be calculated monthly, but paid on the anniversary of the starting date. Interest will be paid pro-rata if the comparison period ends before an anniversary.

  • Total Costs

    These take into account the total value accrued in your savings at the end of savings term. It does not take into account inflation.

Investments Assumptions

The Investments category displays Stocks and Share ISA deals only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the fund.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Total Fund Value

    This takes into account the total value of your fund at the end of invested period. It does not take into account inflation.

Pensions Assumptions

The Pensions Category displays a small selection of pensions only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    No tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the Pension.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Pension Value

    This takes into account the total value of your pension at the end of invested period. It does not take into account inflation.

  • Fixed Rates

    The interest rate charged is fixed for a number of years or until a certain date by the lender.

  • Base Rate Tracker

    The interest rate is set and then tracks the rises and falls of the Bank of England's base interest rate which is decided monthly.

  • Discount

    The interest rate is the lenders standard variable rate, which they decide. The discount period gives you a certain amount off that rate. The rate can be changed at anytime by the lender.

  • Variable

    The interest rate is the lenders standard variable rate, which they decide and can change anytime.

Click the arrows to arrange the product details by the name of the lender, or if you have selected all rates, the type of rate selected.

Click the arrows to arrange the products by the maximum LTV (Loan to Value) allowed by the lenders.

Click the arrows to arrange the products by the initial monthly payment you will be charged for mortgage amount you entered.

Click the arrows to arrange the products by the calculated APR (Annual Percentage Rate). This rate takes into account fees and charges as well as interest.

Click the arrows to arrange the products by the calculated total cost of the mortgage (Amount Paid) over the period selected.

What is the value of the property for which a mortgage is required?

How much do you need to borrow?

  • Capital + Interest

    Payments made to the lender will repay the amount borrowed as well as cover interest.

  • Interest Only

    Payments made to the lender will only cover interest. You will need to put money aside elsewhere in order to be able to repay the actual amount borrowed.

What is the minimum period for which you want the interest rate offer?

For example, for a minimum 3 year interest rate offer, select 3 years.

Tick to remove mortgages that have Early Repayment Charges.

Early Repayment Charges are applied by the lender if you repay the mortgage, or remortgage to a different lender within a certain period of time or date set by the lender. Typically a percentage of the outstanding balance at the point of repayment.

Tick to remove mortgages that have any fees.

Lenders may apply fees such as arrangement, booking or valuation fees when you take out the mortgage.

Tick to only show Buy To Let mortgages. If you are purchasing/remortgaging a property which is to be rented to tenants, this is the type of mortgage you will need.

Tick to only show Offset mortgages. Offset mortgages allow you to use you savings or regular income to reduce the amount of interest you are charged on your mortgage.

How many years do you wish to spread your mortgage over?

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the headline rate (APR) of the loan.

Click the arrows to arrange the product details by the total cost of the loan (Interest Charged) over the time period selected.

Over how many years do you wish to spread this loan?

Tick to show only loans that include some form of payment break

Tick to show only loans that are available to homeowners.

Tick to show only loans that are available only to existing customers of the lender.

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the purchase rate (APR) of the credit card.

Click the arrows to arrange the product details by the balance transfer rate (APR) of the credit card.

Click the arrows to arrange the product details by the headline rate (APR) of the credit card.

Click the arrows to arrange the product details by the total cost (Interest Charged) of repaying your chosen balance over 24 months.

Show only credit cards that allow balance transfers.

Show only credit cards that provide some form of cashback.

Show only credit cards that have a reward scheme.

  • Easy Access

    Regular savings accounts which may have short or notice period if you need to withdraw funds.

  • Cash ISA

    Tax Free savings, allowing you to deposit up to a maximum of your annual cash ISA allowance every year.

  • Fixed Rate Bonds

    Bonds where you deposit an amount of money away for a certain period in return for a fixed level of interest.

Click the arrows to arrange the product details by the savings institution.

Click the arrows to arrange the product details by the notice period to withdraw funds. For Bonds, this period will be the length of the bond.

Click the arrows to arrange the product details by the rate (AER).

Click the arrows to arrange the product details by the total amount saved depending upon the amount you wish to save and the period over which you are saving it.

How much money do you have to deposit?

Show only cash ISA's where you can transfer funds from an existing ISA.

Show only savings where you are permitted to make withdrawals.

  • Ethical

    Stocks and Share ISA's where your money will only be invested into growth funds purchasing stock in companies that are socially, ethically and environmentally responsible.

  • Income

    Stock and Share ISA's where your money will be invested into high dividend payout companies, in order to generate a tax free income from your savings.

  • Pick Your Own Fund

    Stock and Share ISA's where your money can be used to purchase units from funds you pick from.

Click the arrows to arrange the product details by the institution name.

Click the arrows to arrange the product details by the risk level.

Click the arrows to arrange the product details by the past performance level. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the fund value after the chosen period. If it is an income ISA, this will show the growth of the initial fund.

Click the arrows to arrange the product details by the name of the pension provider.

Click the arrows to arrange the product details by the past compounded annual growth rate of the pension plan. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the pension value based upon the amount you are investing and period invested (figures are created using the past compounded annual growth rate).

How much will you be investing monthly into the pension, gross?

Enter the minimum past annual growth percentage for funds you wish to see.

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Disclaimer

By using this site, you agree we can set and use cookies. For more details of these cookies and how to disable them, see our cookie policy.

This site is designed to give you an understanding of financial products out in the wild, preparing you for proper professional advice.

We have provided guides, tools, a selection of deals (lowest rate and/or fees) but expect you to seek full professional advice with a whole of market adviser before making any decision.

Use the information provided at your own risk, we're not providing advice and errors can be made. Calculations made on the site are estimates, therefore in places assumptions or approximations may be used. We cannot accept responsibility nor are liable for any mistakes.

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