Personal Finance: Loose Change

BEST INVESTMENT, the independent financial advice firm, is offering a free guide to saving capital gains tax. The guide is aimed at helping investors calculate the best way to avoid or limit their CGT liabilities. Write to BESt Investment, 20 Masons Yard, London, SW1Y 6BU.

DERBYSHIRE SOCIETY is launching a mortgage capped at 6.59 per cent until February 2002. Rates can fall below that level. A fee of pounds 295 is payable. Insurance through Derbyshire is compulsory. The deal is available on property loans-to-value of 95 per cent. Redemption penalties of 3 per cent apply if the loan is repaid before February 2002. Call 01332 844497.