Loose change

Lloyds Bank has increased the ceiling on its low-cost graduate loan scheme from pounds 3,000 to pounds 5,000 and extended the repayment period from three years to five. Up to pounds 700 is interest-free in the first year and pounds 350 in the second year. The overdraft rate is 1.14 per cent a month.

Derbyshire BS is offering a choice of cash-backs of up to pounds 3,000 or 2.9 per cent off its variable-rate mortgages for two years for loans up to 75 per cent of valuation and 3.2 per cent off on loans under 75 per cent of the valuation. A commitment fee is refunded on completion and there is no valuation fee. Standard variable rate is currently 6.99 per cent.

Black Horse Financial Services is launching a new Premier Distribution Bond providing monthly income and interest of 6 per cent escalating to 9 per cent over five years. Capital will be returned in full if the FT- SE 100 index grows by 4.6 per cent compound.

Premier Fund Management and John Govett (Jersey) are offering an Equity Protector which uses options to guarantee a maximum loss of 2 per cent if the stock market falls, combined with a return of 140 per cent to 190 per cent of any gains. The bond is renewable every 90 days.

Mortgage Express is launching a Let and Buy mortgage to allow people in negative equity to let their property and borrow to buy somewhere else to live. Up to 75 per cent of the new loan to value is charged at 1.5 per cent over base rate. up to 95 per cent is charged at 1.75 per cent over base. A letting service is available and rental income is included in eligibility calculations.

Direct Line is marketing its Tracker PEP nationally. Minimum investments are pounds 30 a month or pounds 500. There is no initial charge. The management charge is 1 per cent a year reducing to 0.75 per cent after five years, and an 0.5 per cent exit charge.

HSBC is launching a new PEP offering all growth in the FT-SE 100 index over five years plus a 33 per cent bonus.

Guinness Flight is offering a reduced initial charge of 3.5 per cent on investments over pounds 2,000 in its Global Privatisation Trust before the end of June.

Travel agent Going Places will buy back any unused foreign currency notes sold by any of its 700 shops without charging commission.

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