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Refunds at the beginning of up to the value of the loan 10pc are welcomed each year free of charge. This rate includes a discount point percentage 0.24 to Homecover of Leeds insurance, you'll have to hold until the end of the term.

The mortgage is available only directly, either in the branches or by calling 0845 054 0994.

Verdict Small characters reveals that if at any time whatsoever, you do not have a valid Leeds home insurance policy, the discount percentage point 0.24-apply when the transaction table best-buy, leaving you with a rate of 3 69pc.

Hot in the wake of the Saffron Christmas Eve, Barnsley Building Society has launched an account help avant-planificateurs finance Christmas 2011.

The account is a cross between a fixed rate bond and a regular saver, providing a 3 5pc until the maturity of the account on December 1, 2011. No withdrawal is authorized before that date.

The minimum opening deposit is ￡ 10 and customers can deposit up to ￡ 1,200 for the whole period, equivalent to ￡ 100 per month.

If the total filed exceeds this amount, the entire balance will be transferred into an account of Falcon - currently pay 0 15pc. Be warned that the customers are informed that they have overcome the limit only after the transfer has been made.

To apply you can visit your local branch or call 0845 120 0898.

Verdict Kevin Mountford Moneysupermarket noted that HSBC customers account for income could achieve a much more competitive 8pc from their regular saver rate linked.

However, the Barnsley account does not access until maturity, thereby eliminating any temptation to draw Christmas pot.

As long as you do not exceed deposit limit, this could be a good incentive for those who seek to budget, but find Christmas comes around to all too quickly.

Not to be thrown in the upper part took Norwich & Peterborough building society savings League spot.

Following launch of the Northern Rock year savings bond pay 3 15pc, N & P increased its E-bond rates to match the it. N & P bond allows deposits of ￡ 1,000 and 1 m ￡, and the rate is fixed for a year. No withdrawal is allowed before the deadline, and the account must be closed to withdraw funds.

Investors are recommended do not forget the account, however, as after maturity it occurring at a rate of less of 0 5pc. This account does not transfer to other N & P. Postulez savings accounts online www.nandp.co.uk/savings.

Verdict There is no way to distinguish between it and the binding of Northern Rock. Both are online only, nor allows withdrawals at the beginning, both pay 3 15pc for one year. Depending on whether you choose, however, act quickly, because -as N & P website warns - are "rate very good, it will not be around for a long time."

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