The Sunday Mail - 01.09.2019

(WallPaper) #1
September 1 • 2019 The Mail on Sunday^

A


NYONE returning to the
UK from a summer trip
abroad will be cheered to
know that the wines they
enjoyed on holiday can be
bought for a good price
once they are back home.
A growing band of wine clubs
with promotional offers, reduced
costs and flexible plans offering
popular wines from overseas, are
available to help recapture a
moment of fun in the sun.
Justin Howard-Sneyd, a qualified
Master of Wine, says: ‘So many of
the countries that we like to visit for
our holidays make cracking wine.
‘It can be tricky to track down
good bottles when back in Blighty,
but the best places to look are rov-
i n g w i n e m e r c h a n t s l i k e
Laithwaite’s who are particularly
strong on Portugal, Spain and some
of today’s on-trend destinations like
Moldova and Hungary.’
Laithwaite’s and Virgin Wines
both offer flexible plans where
customers can swap bottles before
delivery if they fancy something
different from the standard selec-
tion. Plans cost from around £121
and £129 respectively, charged
every three months. However,
there are striking deals available
on first cases – with more than 50
per cent off the price, working out
at less than £5 a bottle.
Regular deliveries can also be
delayed or skipped if family
finances are under pressure, or
plans cancelled after one order.
Alternatively, you can arrange
for the wine club to get in touch
when they have good deals.
Both Laithwaite’s and Virgin

Wines offer money-back guaran-
tees for corked bottles or those
that are simply not to a custom-
er’s taste.
Many of the clubs offer refunds
when customers aren’t happy with
a bottle. This includes The Wine
Society, which charges members a
one-off £40 to join, though this
gives £20 off first orders.
Its Wine Without Fuss plans let
members choose the frequency of
their deliveries, paying by the case
rather than for a monthly or quar-
terly membership.
Its deals cater for people who
want lower alcohol bottles, old

world wines specifically from
France or worldwide cases.
Monthly memberships are avail-
able for people who want the soci-
ety to store their bottles too.
Meanwhile, Winebuyers is a novel
take on a wine club. It launched
just over a year ago with free mem-
bership and no minimum orders.
Customers pay the same price as
they would by going direct to the
vineyard. Suppliers pay a subscrip-
tion fee to sell their wines through
the website. The company trades
more than 50,000 wines from 40
countries. Members also get special
offers and advice from wine experts


  • including information about new
    grape trends that often cost less
    than the usual suspects, like a stand-
    ard Sauvignon Blanc or a Merlot.
    According to Winebuyers, Croatian
    wine is the big hit of the summer
    and sales increased by 144 per cent
    among its members in July and
    August. The country’s indigenous
    grape is Plavac Mali – a full-bodied
    red – which is selling well.
    Travellers who returned home
    from Croatia, Spain and the Pied-
    mont region of Italy that borders
    France have successfully sourced
    wines from their trip through the
    website. Founder Ben Revell says:


‘Whether you’ve been holidaying in
the Tuscan countryside or basking
in the Croatian sun, opening a bot-
tle or two you shared while on holi-
day can evoke memories taking
you right back to that moment.
‘Customers returning from their
vacations now are favouring
Croatian and Italian wines over
their usual choice of French.’
Alternatively, Naked Wines
recruits so-called ‘angels’ into its
club. These are customers who
fund their accounts with £25 a
month, to be redeemed against
future purchases. They also get a
third off orders, plus a free pre-
mium bottle every month if they
order a case of wine. Its upmarket
club option sends a box of six fine
wines every quarter for £100.
Other clubs include Wanderlust
Wine – with plans priced between
£30 and £90 a month for between six
and 12 bottles each quarter, the
option to buy a reduced-price box of
best-selling wines and ongoing dis-
counts. Customers are free to can-
cel and are refunded any unused
portion of the membership.
Online retailer Vin Cognito is also
worth a look for pay-as-you-go
wines. It has a list of ‘volcanic
wines’, including options from Ten-
erife, Sicily and the Azores.
laura.shannon@mailonsunday.
co.uk

Craving a glass of that red you


found on holiday? Join the club


By Laura Shannon


PERSONAL FINANCE 103


FIRMS THAT OFFER A TASTE OF YOUR TRAVELS
CLUB DEAL COST

Laithwaite’s 12 bottles every 12 weeks £120.88 (Save £60 on first case)


The Wine Society 12-bottle case from £85 a case


NakedWines 6 bottles of fine wine a quarter £99.99


Virgin Wines 12 bottles every quarter from £128.88 (Save £69 on first case)


Winebuyers Any number of bottles from less than £10


Wanderlust Wine 6 bottles every quarter £30 a month


EASY ACCESS

Notice   Minimum    
Account name or term deposit AER

Accounts shown offer the
highest rates available. All
are protected up to £85,000
by the Financial Services
Compensation Scheme or
€100,000 for the European
equivalent.

BEST RATES FOR
YOUR SAVINGS

United  Trust   Bank Bond 1 year £5,000 1.97%
The Access Bank UK Sensible Savings – Fixed Rate Bond 2 years £5,000 2.10%
The Access Bank UK Sensible Savings – Fixed Rate Bond 3 years £5,000 2.29%
PCF Bank Term Deposit – Issue 17 5 years £1,000 2.40%

Marcus Online Savings Account – £1 1.50%
Shawbrook Bank Easy Access Account Issue 15 – £1,000 1.48%
Chorley BS Postal and Branch Accessible Saver – £500 1.45%
Virgin Money Double Take E-Saver Issue 11 – £1 1.43%

Nationwide  BS FlexDirect Current Account – £1 5.00%
TSB Bank Classic Plus account – £0 3.00%
Bank of Scotland Vantage Current Account – £1 1.50%
Santander 1|2|3 Current Account – £1 1.50%

Notice   Minimum Transfers      
or term deposit AER allowed

Savers can put £20,000 into
a tax-friendly Individual
Savings Account in the tax
year ending April 5, 2020.
The annual limit for Junior
Isas is £4,368. Savers aged
16 to 18 can save a further
£20,000 into a cash Isa but
cannot open an equity Isa.


BEST RATES FOR
YOUR CASH ISA

Charter Savings Bank Easy access £5,000 1.44% Yes
Shawbrook Bank Easy access £1,000 1.43% Yes
Virgin Money Easy access £1 1.43% Yes
Sainsbury’s Bank Easy access £500 1.41% Yes
Yorkshire BS Easy access £100 1.40% Yes

FIXED-RATE CASH ISAs
Charter Savings Bank 1 year £5,000 1.62% Yes
Cynergy Bank 1 year £500 1.56% Yes
Charter Savings Bank 2 years £5,000 1.76% Yes
OakNorth 3 years £1 1.82% Yes
Hodge Bank 5 years £1,000 2.00% Yes

Coventry    BS Age 18 £1 3.60% Yes
NS&I Age 18 £1 3.25% Yes
TSB Bank Age 18 £1 3.25% Yes
Darlington BS Age 18 £1 3.25% Yes
Tesco Bank Age 18 £1 3.15% Yes

JUNIOR CASH ISAs

VARIABLE RATE CASH ISAs

Source: FAIRFX

Australia   
Canada
Czech Rep
Egypt
Eurozone
Hungary
Iceland
Mexico
Norway
Poland
South Africa
Switzerland
Thailand
Turkey
UAE
US

dollars
dollars
koruny
pounds
euros
forint
kronur
pesos
kroner
zloty
rand
francs
baht
lire
dirhams
dollars

1.765
1.576
27.68
19.17
1.081
354.0
143.2
23.39
10.79
4.685
18.12
1.173
36.13
6.785
4.353
1.193

The rates shown are
for £1 of foreign
currency bought
online. Rates differ
widely with research
showing that travellers
receive less for their
money the closer they
are to an airpor t.

TOURIST
RATES

MORTGAGE
BEST BUYS

Mor tgages shown are not
selected on headline rate
alone, but on the best overall
value. Some offer cashback.
The monthly cost is for a
typical 25-year £150,000
repayment loan.


For more details,
ring: 0800 953
0500

OWNER-OCCUPIED RESIDENTIAL MORTGAGES
Santander 1.28% Fixed to 2/12/21 60% £999 Yes £584.52
Newcastle 2.59% Fixed to 31/10/21 95% £498 Yes £679.74
Barclays 1.64% Fixed to 31/10/24 60% £999 Yes £609.82
Coventry BS 2.25% Fixed to 30/9/24 90% £999 Yes £654.20
TSB 2.29% Fixed to 30/11/29 60% £995 Yes £657.17
HSBC 1.34% Base rate +0.59% for 2 years 60% £999 None £588.69
HSBC 2.09% Base rate +1.34% for 2 years 90% £999 None £642.37
Nationwide BS 2.14% Base rate +1.39% for 5 years 60% £999 None £646.05
Hanley Economic BS 1.99% 3.45% discount for term 60% £999 None £635.05
Coventry BS 2.39% Variable for term 90% £999 None £664.65
BUY-TO-LET MORTGAGES
Post Office 1.69% Fixed to 30/11/21 60% £495 Yes £613.39
Barclays 2.17% Fixed to 30/10/24 75% £1,795 Yes £648.27
Ipswich BS 2.95% 2.79% discount for 2 years 80% £1,149 Yes £707.42

Initial  Maximum     Early  redemption   Monthly
rate Type and duration loan-to-value Fee penalty cost

NOTICE ACCOUNTS

FIXED-RATE BONDS

Charter Savings Bank 95-day Notice – Issue 25 95 days £5,000 1.81%
Close Brothers 95-day Notice Account 95 days £10,000 1.80%
Investec Notice Plus Account – 95 days’ notice 95 days £10,000 1.80%
Shawbrook Bank 45-day Notice Account – Issue 2 45 days £1,000 1.51%

CURRENT ACCOUNTS PAYING INTEREST

BEST BUYS...The leading deals for your home, savings and holidays


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