Loose Change

Tips and hints from the world of personal finance


Leeds & Holbeck Building Society has launched a tracker savings account that will follow the base rate for two years and is currently offering a return of 7 per cent.

Leeds & Holbeck Building Society has launched a tracker savings account that will follow the base rate for two years and is currently offering a return of 7 per cent.

Until 1 June next year it will offer an additional 1 per cent above the base rate. Between now and then you are not allowed to withdraw any of your investment. After that date there will be instant access to the account.

Deposits can be made until January 2003 up to a maximum level of £5,000.

Tony Burdin of Leeds & Holbeck said: "It offers investors security of mind and a competitive rate for at least two years."

For more information call 0500 225 777.

Tesco Personal Finance has launched a new variable rate mortgage with Royal Bank of Scotland. The mortgage charges 6.99 per cent at the moment and calculates interest on a daily basis.

Overpayments can be made and payment breaks of up to 6 months can also be arranged. There are also no redemption penalties for terminating the mortgage. Customers will receive 5,000 points on a Tesco Clubcard on completion of the mortgage. For more information click on tesco.com/finance.

Derbyshire Building Society has improved rates on its fixed rate mortgages. Over three years to 30 April 2004 the fixed rate has been reduced to 5.99 per cent. Over five years it has gone down to 6.24 per cent. The costs to non-members of the building society are £175, while existing members will pay £45. Included in both is the valuation of the property. Call 01332 841000.

Nat West has also launched a new fixed mortgage which has been capped for five years. Interest will be charged at 6.74 per cent on mortgages of up to 95 per cent of the value of the property, with customers borrowing under 75 per cent of the value paying 6.59 per cent. Call 0800 400 999.

Bank of Scotland has cut the cost of its life insurance cover by up to 30 per cent.

The bank's Investors Club offers cover for a fixed term at either a fixed or decreasing rate for the duration of your policy. It can be used to protect interest-only or repayment mortgages or to provide a lump sum for dependants if the policyholder becomes terminally ill or dies. The new rates will mean that a male non-smoker who is 40 years old will pay 21 per cent less per month. If this policy includes critical illness, the reduction is 24 per cent. For more details call 0845 600 88.

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