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The rate then rises to 3.39percent for borrowers with 25percent equity. Borrowers with 15percent equity can get a rate at 3.49percent, and those with just 10percent equity can get a rate at 3.59percent. Scottish Widows had been one of the few lenders to offer offset mortgage deals to customers.

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It is offering a two-year deal at 4.77percent and five-year rates from 4.43percent (both at 60percent LTV with a 999 fee). In contrast, Natwest has a five-year fixed rate for remortgage at 4.32percent (60percent LTV), for example, but it has a bigger fee at 1,495. LiveMore, the specialist mortgage lender for people aged over 50, has cut fixed rates across its product range by up to 0.58 percentage points.

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To begin, deposit a minimum of 10 to qualify for this offer. Once your deposit is processed, the bingo bonus will automatically be credited to your account, enabling you to enjoy various games. Ultimately the aim is always to add to your bonus fund and keep the cash wallet looking healthy. We can’t stress enough how important it is to ensure you have read all of the terms and conditions before claiming any bonus or sportsbook promotion. Whether you are receiving bonus spins at an online casino or an odds boost at a sportsbook, there will always be rules attached to them.

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HSBC is cutting fixed rates across its mortgage range from tomorrow , including some of its most competitive deals, which brokers say could dip as low as 4.5percent, writes Jo Thornhill. LendInvest, the buy-to-let lender, has reduced rates across its fixed rate mortgage range by up to 0.3 percentage points. Two-year fixed rates now start from 3.99percent (75percent LTV) with a 7percent fee. Bank of Ireland has reduced selected deals in its Bespoke range, available through brokers. Available from tomorrow , these include a two-year fixed rate for purchase or remortgage at 4.97percent with a 1,495 fee (60percent LTV) or an equivalent five-year fixed rate deal at 4.69percent.

The new rate is 3.99percent (down from 4.29percent) for remortgage customers with at least 40percent equity in their home. Santander and the Yorkshire and Skipton building societies are among a slew of lenders to have cut fixed mortgage rates in recent days, writes Jo Thornhill. It is offering a fee-free two-year fix at 75percent LTV from 4.79percent for residential borrowers. It has a two-year fix at 5.59percent for remortgage buy-to-let customers at 75percent LTV, with no fee. Broker-only lender Platform is offering other five-year fixed rate options from 3.85percent (60percent LTV) with a 1,499 fee or at 3.89percent with a 999 fee, for example. Wholesale ‘swap’ rates – the interest rates at which banks lend to each other – have been moving a lot in recent days.

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The same goes for bookmakers if the same operator runs one. No deposit bonus betting is a good way to practice your skills. Most of the time, they’re added to your account immediately, but some sites require manual approval from the staff. Even if 9 out of 10 players take the free chips and don’t continue, it takes one person to spend only 510 Kr for the site to break even. No deposit bonuses would be best described as a free bonus on registration. Sites have been using them ever since the late 2000s, but they’re much less prominent nowadays.