The chance to save thousands on your loan
With the "Money Merge Account™ system", you are able to pay less interest on all your loans, thus slashing your monthly interest bill and putting an end to expensive loans and credit cards. In addition, your income works to reduce your loan balance on a day-to-day basis, so any money left unspent in your account continues to save you interest over the lifetime of the account. These savings run easily into thousands.
Greater flexibility
The "Money Merge Account™ system" is much more than just an interest saving tool. You can manage your payments in line with your cashflow, all without penalties or charges. Pay more one month, pay less the next! It's entirely up to you.
More control
With online access and complete telephone access, you can manage your money how and when you want. You'll have one balance showing you exactly where you stand and how far ahead you are of schedule. You can break down your Money Merge Account any way you like, and you’ll be able to plan your short-term and long-term spending in great detail.
The perfect home for your tax money
The fact that you're using money in the Money Merge Account to reduce your balance and save interest, rather than earn it, means you don't pay tax on it. This makes the "Money Merge Account™ system" the perfect place to put aside some money for the taxman. And when the time comes to pay the tax bill, you just write a check to cover it. This way, your money is working for you from the day it comes in to the day it goes out.
Young professionals
If you're just starting out in your professional career, chances are you'll need a flexible solution for your finances. You can benefit from the flexibility of the "Money Merge Account™ system" in the early years of your professional life because you're not tied to high traditional interest options. This gives you the freedom to cater for the ups and downs in your spending. And as soon as your salary increases and you start to earn bonuses, you can use your surplus income to reduce your balances and save even more interest. The flexibility of the "Money Merge Account™ system" means that you can also use your equity for the bigger purchases like a new car or a dream holiday, rather than having to take out more expensive loans.
Young couple - first time buyers
The "Money Merge Account™ system" is designed to meet your financial requirements as you go through life. It can help fund a wedding, a new car, or a holiday, as well as allow you the flexibility to deal with the financial impact of having a child. You can use the "Money Merge Account™ system" to overpay on your mortgage, thus building up equity in your home, which will mean a higher deposit when moving to a bigger house in the future. If you can overpay your mortgage from the outset, you will save the maximum amount of interest in the long-term. You can spend up to 100% of your increased equity to furnish your new home and cover other expenses. And if your home needs improving, the "Money Merge Account™ system" can be used to fund home improvements further down the line.
Couple moving up the property ladder amidst other life expenditures
The "Money Merge Account™ system" can help you accelerate your rise up the property ladder. It allows you to use your income and savings to reduce your balance and build up equity in your home, so you can move to a bigger property sooner. And if you move, the "Money Merge Account™ system" can move with you. If you have children, the "Money Merge Account™ system" also offers you greater flexibility in dealing with the extra financial strain of raising them. It can be used to put money aside for school/university fees - so you get the benefit of this money working to reduce your balances and save you interest. And you can use the accelerated equity in the property to put your children through school even while covering any other expenses. And you retain the same flexibility in terms of repayment.
Commission-based income
The "Money Merge Account™ system" gives you the flexibility to manage your finances in line with your cashflow. So when you have more income, you can deposit more and save more interest. When you have less income, you can deposit less. You're no longer tied to the usual 'receiving income/spending income' monthly cycle; instead, you have the flexibility to cope with receiving a low annual income and high sporadic commission amounts, even having that money available anytime you need it. And it saves you interest all the while!
Irregular income
The "Money Merge Account™ system" works particularly well if you're paid a small salary but receive large sums in the form of bonuses or dividends during or at the end of the year. You can manage the "Money Merge Account™ system" in line with your cashflow. You've also got the flexibility to deposit more when money's available and less when money's tight. Any lump sums can also work harder in the Money Merge Account, reducing your balance and saving you interest.
Older couple - children left home
The "Money Merge Account™ system" allows you to use any surplus income you have to accelerate the repayment of your mortgage. If you have any investments - e.g. endowments, etc. - these can also be put into the account when they mature to reduce your mortgage balance and save you even more interest. You can also use the equity in your house to fund that holiday or luxury you've always promised yourself. Your money is there until you need it, but it reduces your loan balance and saves you interest in the meantime.