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Halifax offers owners seeking a mortgage to the Bank before November ￡ 5,500 domestic projects offshore.

Moneysupermarket to mortgage rate fixed for two years of the Cumberland Building Society, pricing 2 69pc with a fee of ￡ 995, Halifax offers, 3 79pc arrangement market leader and a similar tax less ￡ 500.Le total cost in the two years based on a mortgage loan repayment of ￡ 150,000 is ￡ 17,634 for a client of Cumberland and ￡ 19,275 for a client to Halifax.

The offer is available in the branch, or by telephoning 0845 www.halifax.co.uk/mortgages 850 3705.

Verdict If you intend a mortgage of Halifax, is the icing on the cake, but it is a good example of why you shouldn't be tempted by gifts without taking into account the expenses.

Moneysupermarket calculations for a three-year fixed rate mortgage show similar savings must be opting for vendor loan market, post office, 2 to 4 04pc Halifax 69pc loading.

ING direct has launched a new mortgage five-year fixed rate that rotates at the top of the best - buy .the pricing 3 69pc until the end of November 2015 tables ready, comes with a fee of ￡ 1,945 arrangement. However, it is only available for homeowners with a deposit of 40pc or more - it is better for those wishing to remortgage, rather than a buyer for the first time.

You can repay each year until the loan 10pc peine.Après free this there are accusations of refund at the beginning of the loan for the first 4pc 2pc loan for the 24 remaining months of the loan period and three years.

For more information, visit www.ingdirect.co.uk/mortgages also call 0800 032 8822.

VerdictThis loan market is ideal for those who want the peace of mind - but they must have a decent deposit to qualify for the rate and fees are on the side juteux.Si you need less than ￡ 150,000 ing, this loan is also to be a false economy.In addition to calculations, Moneysupermarket concluded that if you are borrowing less than that, great Yorkshire Building Society pricing 3 89pc, but with a lesser fee of ￡ 995, five-year fixed-rate would be cheaper.

There is a new leader in the market of bonds .Barnsley Building Society has launched a year bond pay 3 05pc fixed until the end of December of the next year.

The minimum deposit is fairly reasonable, only ￡ 100, with a maximum investment of 1 m ￡.

Additional deposits are also allowed - but only the link is still on the market and available to new clients.Une times fully subscribed, no additional payment only is accepted.

No withdrawal is allowed up to the expiry of binding, except in exceptional circumstances, such as critical illness or death of the lessee.

Go to www.barnsley-bs.co.uk/savings to apply or to find your branch nearest proche.Vous can call 0845 1200 898.

VerdictThe market leader is excellent news for those who need their savings income that you can choose to have interest payments every month or every year.

Unfortunately, bond is available only for a time-limited, if you are interested, snap more quickly and make additional payments so that you can, that this savings product should not be around for a long time.

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