BARGAIN BASEMENT

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The Independent Online
Yorkshire Bank, one of the few lenders to offer home loans which instantly credit any capital repayments to borrowers' accounts, thereby cutting interest faster, is broadening its range of products with a series of fixed-rate mortgages.

The fixes vary between 7.25 per cent to October 1999 and 7.65 per cent pegged to October 2002.

Free 12 months' unemployment cover is on offer to those who remortgage. Call 0800 202122.

Legal & General is offering free copies of a booklet explaining the benefits of trusts in inheritance tax planning. Call 0500 909090.

Age Concern Financial Services is launching a car finance scheme called Freeway.

The scheme involves monthly payments for two or three years, after which the motorist can either sign a Freeway contract for a new car, buy the car outright, or walk away. Call 0345 697243.

Witan Investors, the unit trust managed by Henderson Investors, is offering new investors a free four-month trial membership of the Royal Horticultural Society and entry into a prize draw for tickets to the 1998 Chelsea Flower Show, along with a champagne lunch. The offer applies until 5 December. Call 0800 212256.

Royal Worcester and Spode is launching a Visa credit card, which offers a 10 per cent discount off cardholders' first purchase from selected stockists. It also offers free purchase protection insurance for items bought using the card. The APR charged is 19.9 per cent. Call 0800 7315334.

Royal Bank of Canada Global Private Banking is launching an offshore umbrella fund which offers a choice of investing into one or more of its range of 14 global funds. The new fund is based in Jersey. Minimum contributions are US$400. Call 0154 283164.

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