MORTGAGE SPECIAL: If you think rates are low... you ain't seen nothing yet! Don't rush - but a delay could cost dear

Financial experts expect more cheap deals as rates fall lower than anyone believed possible. Last week more than two dozen mortgage deals were set at - or below - a record low of just 1.5 per cent. This week even cheaper fixed rates are on the cards - with several set to break through the 1 per cent floor. But as an unprecedented price war gathers pace, older borrowers risk missing out.

Trapped in an expensive contract? Here's how to unlock a cheaper deal for your mobile phone

Mail on Sunday Financial
Leeds student Gauri Poswal, who is pleased with her mobile phone deal with GiffGaff.
Photograph by Richard Walker / www.imagenorth.net

Unlocking, which allows you to link your phone to any network, is both legal and easy. It can sometimes be done for free but most networks are not keen to promote the option.

Saving cash can be as easy as riding a bike! Our bespoke guide shows two wheels are cheaper (and more fun) than four

Four wheels good, two wheels better. That is what an increasing number of people are saying as they ditch gas-guzzling cars in favour of a bike powered by pedals, petrol or even electricity. More than three million people regularly ride a bicycle, a third of whom use them to commute to work. Another million have a motorbike licence.

'My son's only four but he served up an £80 shock with a cooking app': How to stop your child running up a huge bill on their new tablet 

RICHARD JACKSON WITH 4 EAR OLD SON BEN AND THE "COOKING" APP PICTURED AT HOME IN PAIGNTON, SOUTH DEVON

Parents whose children receive new gadgets as birthday presents are at risk of running up huge bills unless they get to grips with the settings, experts warn.

With-profit bonds... should your portfolio be with or without them? 

Iain Collinson with Liz and two collies Meg (left) and Bryn. pic Darren Jack

Bigger tax-friendly Isa allowances and easier ways to buy funds have pushed with-profits bonds off the radar of many investors. But these can still provide a bedrock to an investment portfolio.

Sorry... the computer says no if you're older than 50: Rates are more tempting than ever, but some borrowers are barred from a bargain 

11/02/2015. PIC. SHOWS JOHN EDWARDS AT A INDUSTRIAL PARK IN  ALTON, HAMPSHIRE.
WHERE HE HELPS RESTORE CLASSIC CARS, REBUILDING THEIR BODY WORK.
HE WAS INTERVIEWED ABOUT MORGAGES

Borrowers on the wrong side of 50 are being routinely rejected when they apply for a mainstream home loan, despite strong credit records and incomes..

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MIDAS SHARE TIPS: New chief executive helps tech group dotDigital join up the dots 

DotDigital provides companies with technology that helps them to market their products to customers more effectively online. Many trendy businesses claim to provide this type of service, but dotDigital aims to be better than the rest, by making its offer more sophisticated yet easier to use. It is a fast-growing firm in a sector that is forecast to keep on expanding for many years. Barratt should act as a further boost and, at 37p, the shares have plenty of potential. .

Fury at the great dodgers' getaway: Labour's tax loophole means just ONE man was charged - and he will be the last

tax-graphic.jpg

Public fury over tax dodging by some clients of HSBC's Swiss arm is set to escalate after sources close to the investigation said there would be no more prosecutions for tax evasion.

UK manufacturing soars by £12.5bn as car and toy-makers lead factory recovery

Undated handout photo issued by Nissan of the two millionth Qashqai car produced at the Sunderland plant which has reached it's milestone in less than eight years of making the popular crossover car, quicker than any other make and model in the history of UK car manufacturing.



Embargoed to 0001 Monday November 3
PRESS ASSOCIATION Photo. Issue date: Monday November 3, 2014. See PA story INDUSTRY Nissan. Photo credit should read: Nissan/PA Wire
NOTE TO EDITORS: This handout photo may only be used in for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

Total sales by manufacturers reached almost £355billion in 2013 - up 3.7 per cent from £342billion in 2012.

Plunging interest rates sink Lloyds' hopes to sell final TSB stake

Mandatory Credit: Photo by Jonathan Hordle/REX (3013150n)
 TSB bank Baker Street branch
 TSB rebranding launch, Baker Street, London, Britain - 09 Sep 2013

Lloyds was expected to sell off more of its stake once TSB had reported its results later this month. It has until the end of this year to sell its remaining 50 per cent stake.

Sky subscribers could see bills go up, admits boss after £4bn bid for football

Arsenal's Alexis Sanchez celebrates after scoring a goal during their English Premier League soccer match against Stoke City at the Emirates Stadium in London, England.


January 11, 2015.    REUTERS/Eddie Keogh (BRITAIN  - Tags: SPORT SOCCER) EDITORIAL USE ONLY. NO USE WITH UNAUTHORIZED AUDIO, VIDEO, DATA, FIXTURE LISTS, CLUB/LEAGUE LOGOS OR 'LIVE' SERVICES. ONLINE IN-MATCH USE LIMITED TO 45 IMAGES, NO VIDEO EMULATION. NO USE IN BETTING, GAMES OR SINGLE CLUB/LEAGUE/PLAYER PUBLICATIONS.FOR EDITORIAL USE ONLY. NOT FOR SALE FOR MARKETING OR ADVERTISING CAMPAIGNS.

The company paid 83 per cent more than it did last time for the rights to broadcast 126 games for three years from 2016.

Burger King Brazilians mull audacious £75bn bid for Foster's owner SABMiller

A six pack of Fosters beer is displayed in the fridge at a liquor store in Melbourne, in this file picture taken September 8, 2010. Shareholders of Australia's Foster's Group Ltd voted on April 29, 2011, to separate the firm's beer and wine operations, a decision that could clear the way for potential bidders for either business. REUTERS/Mick Tsikas/Files (AUSTRALIA - Tags: BUSINESS)

City sources said 3G Capital has been studying how it could buy SABMiller as part of a consortium of predators that could also include Anheuser-Busch InBev, maker of Budweiser and Stella Artois.

Struggling to sell your home? Raffle it, throw in the car or maybe ten rare sheep - and other unusual property sale tactics...

Property sellers are turning to eccentric gimmicks in a bid to find an edge when selling their homes. Some are raffling their property, others are trying to entice buyers by throwing in an expensive car and even rare shhep have formed part of the bargaining tools

SIMON WATKINS: If taxpayers are expected to feel that fairness rules, then authorities should dispense with carrot and dish out more stick for evaders

There has been much fury vented about why HM Revenue and Customs has not prosecuted more people for tax evasion given the cache of information provided by whistleblower Herve Falciani about Swiss bank accounts. The answer is quite simple. An enormous escape route was created by the Labour government in 2009 to allow tax evaders to confess their offence in return for a modest fine and immunity from prosecution.

JEFF PRESTRIDGE: It's a no-brainer... Fix your mortgage rate right now - preferably for five years

Despite the best efforts of the City's regulator to squeeze the pips out of the mortgage market with draconian lending rules, most homeowners or aspiring buyers have never had it so good.

TONY HETHERINGTON: 'Free money' led me to bet away £8,500 

Close up of businessman with head in hands. Image shot 2008. Exact date unknown.

After I opened an account with Banc de Binary, an adviser wrongly predicted poor unemployment figures and that the pound would fall. I came under high pressure to bet more using my credit card.

Beer boss admits the brand went a little flat, but now it's... Carlsberg and the best relaunch in the world - probably 

Winston Churchill is usually associated with brandy and cigars, but James Lousada, chief executive of Carlsberg UK, is keen to link his name with a rather different product - Special Brew. The super-strength lager has a reputation as the favourite of Britain's street drinkers due to its prodigious nine per cent alcohol content. Lousada is keen to shatter that perception.

Youtube business channel Btube gets TV Dragon Kelly Hoppen touch 

Television Programme: Dragons' Den, featuring businesswoman Kelly Hoppen.

Programme Name: Dragons' Den - TX: n/a - Episode: n/a (No. n/a) - Embargoed for publication until: 06/08/2013 - Picture Shows: Dragon Kelly Hoppen - (C) BBC - Photographer: Andrew Farrington

Btube will launch on Wednesday with the backing of the Institute of Chartered Accountants in England and Wales, StartUp Britain, StartUp Loans and Direct Line for Business.

Boom year for retailers' bank as lending jumps by 26pc in 2014

A wedge of 10 Pound notes

The UK's only trade association bank, part of the British Independent Retailers Association, is celebrating a 26 per cent increase in lending in 2014.

Now there's even an app that will do your dirty washing! 

Laundrapp Founder and CEO Ed Relf

PR HANDOUT

The co-founder and chief executive of Laundrapp - an app that lets people arrange to have their dirty laundry collected and returned clean - is expanding the business beyond London.

Revamp 'useless' loan guarantees, says British Chambers of Commerce leader

John Longworth, DG of the British Chambers of Commerce, London
     
George Jaworskyj 2013
www.urbanimages.co.uk

A taxpayer-backed loans scheme missold by Royal Bank of Scotland has been branded unworkable in its present form by John Longworth, director general of the British Chambers of Commerce.

The Diary of a Private Investor: Why I like investment trusts and think FlowGroup's energy-generating boilers can fuel returns

In the latest instalment of his Diary of a Private Investor, John Rosier reveals his January moves and why he likes US small companies and Europe through investment trusts. The investor also bought into potentially revolutionary boiler company FlowGroup. He explains his thinking

JPMorgan Claverhouse: War chest helps trust to raise payouts in good times and bad 

fund-focus.jpg

Investment trust JPMorgan Claverhouse is a vehicle steeped in history, but it has not allowed this to inhibit its quest to become a thoroughly modern fund with widespread appeal to income seekers.

When will interest rates rise? 'Deflation report' delivers hints of no rise until spring 2016 - but economists warn against banking on that

Interest rates will not rise until spring 2016 if the UK economy stays on its current course, the Bank of England has hinted. The Inflation Report delivered an upbeat take on the current low inflation environment, with Mr Carney suggesting this would be 'unambigously good' for the economy. That led economists to caution that a rise may come sooner if the Bank's buoyant outlook for the economy arrived.

Half UK's bank customers have less than two months' wages stashed away for a rainy day

A Union Jack piggy bank smashed

Half of British households would struggle if they faced a big emergency bill and would probably be forced to turn to credit, research shows today.

Barclaycard is the first to offer interest free credit for THREE YEARS with the launch of longest ever balance transfer card

2006 Barclaycard Classic VISA

The move has put the provider firmly ahead of its competitors after months of steadily increasing interest-free promotions among credit card providers.

Virgin Media to spend £3bn on urban cable rollout that will create 6,000 jobs - but rural and remote areas won't be included 

Virgin Media has thrown down the gauntlet to its rivals by pledging to spend £3billion on Britain's creaking internet network. It will expand its superfast fibre network to 4million extra homes in a five-year drive to improve internet speeds in towns and cities. But rural areas and remote communities will not benefit.

Surging sterling means even Sweden is 20% cheaper for UK holidaymakers than last year - but watch out for the Caribbean and the Middle East

Package holiday booking are cheaper and Britons are getting 12 per cent more euro at forex bureaux than they were in February 2014. Sterling yesterday hit another new high against the euro, with rate breaching €1.35 - a level not reached since January 2008, when the pound was plunging against the euro during the financial crisis.

SMALL CAP MOVERS: Oil industry firms are the two biggest losers in AIM 100 index as Gfinity leads the way for 'new media' 

If not quite Fifty Shades, AIM's volatility regularly provides wealthy individuals with a mix of pain and pleasure. Unfortunately for firms like Max Petroleum, Trapoil and Tangent Communications there no safe words this week - as they lost close to 80 per cent, 60 per cent and 40 per cent respectively.

Metcalfe's appoints advisers to help split its snacks business in two 

Metcalfe's Skinny Corncakes Selfie Snack Bags

Julian Metcalfe, who also co-founded Pret A Manger, has asked corporate financier McQueen to carry out a 'demerger' of Metcalfe Skinny and Itsu grocery.

Founders of open-top bus sightseeing company in line for a £300m windfall

C317JR Sightseeing tour bus in Regent Street London with Union Jack flags

City sources said Exponent is in 'exclusive' discussions to buy Big Bus Tours from the Maybury family for up to £400million.

Property firm William Pears doubles charity aid as it reveals big jump in turnover

Coutts Bank, Strand, London, where fashion designer William Mathewson's clothes are on display.

The family-owned firm, which runs an estimated £6 billion empire as well as equity investments and money lending divisions, saw turnover jump from £41million to £76million in the year to April 30, 2014.

We bought our child wellies and they started leaking within a month - does that mean we can demand a refund? 

I bought a pair of purple children's welly boots from the Trespass store in Perth last year. They were worn 6-7 times over a month and then developed a hole in the heel allowing water to penetrate. The boots were relatively inexpensive, about £15, but for them to last such a short time and to experience such shoddy after sales service is extremely frustrating.

The mortgage that comes with its own rate rise: Barclays launches stepped fixed deal where costs rise after first year

Barclays is now offering a range of stepped mortgage, which depending on the way you look at it either comes with reduced costs for the first year - or its own rate rise. So will you actually save any money over the long term, or are you just storing up extra costs once your own rate rises?

Nationwide profits double to nearly £1bn in just nine months as it tempts in 340k new current account customers

Nationwide Building Society said 339,000 customers opened new current accounts in the nine month period, up 22,000 on the same period the year before.

Pound soars against the dollar and the euro as UK economy grows at fastest rate for more than a decade

TUC Congress at BT Convention Centre Liverpool, Merseyside - Governor of the Bank of England Mark Carney gives his address to congress.

The Bank estimated that the economy grew by 3.1 per cent in 2014 - stronger than the 2.6 per cent rise reported by the Office for National Statistics and the best performance since 2003.

We missed our Ryanair flight to Germany because of a Stansted power cut. Why were we offered replacement flights to Holland?

We were due to go on a family Christmas break to Germany, but we missed our flight because a power outage meant there was no information about our flight's status.

Price of a loaf of bread rises by 11,000% in the past 100 years thanks to inflation - and will hit £150 by 2115 if prices rise at the same rate

The value of money has plummeted by 99 per cent in the last 100 years, new research from Lloyds Bank Private Banking reveals. Just  £1.11 in 1914 would provide the same spending power as £100 today, with the purchasing power of cash falling by an average of 4.7 per cent a year. While the value of money declined through the ages, the price of everyday items has soared, with the cost of a loaf of bread soaring by over 11,000 per cent since 1914.

Half-a-million British drivers dodging speeding tickets in France each year will soon face punishment after EU approves cross-border fines

British motorists who speed while driving their own cars on the continent will no longer be able to dodge fines after a new EU directive was unanimously approved.

London house prices decline and are tipped to keep on falling, while the rest of the UK sees property values rise

London was the only region in the UK to see prices fall last month, according to the latest RICS report, but the overall UK market is cooling.

SIMON LAMBERT: Don't fear the effects of deflation, we've been feeling them for years

Economists tell us that deflation is the stuff of nightmares, especially as the West's consumer economies spent all night gorging on debt before heading for a nap. The Bank of England's quarterly inflation report may prove to be a deflation report, with a forecast of negative CPI in the months to come. I'm not so sure we need to worry.

How low can they go? Chelsea BS makes latest cut as five-year fixed rate mortgages are pushed down towards 2%

Chelsea Building Society has launched a five-year fixed rate at 2.19 per cent, now the lowest priced deal on the market for those looking for a longer term fix.

Experts predict 'damp squib' cash Isa season as banks don't need savers cash - but will rates really not rise until 2025?

Cash Isa season was once a period of time in which banks and building societies scrambled for savers money. However, the last few years have been lacklustre for tax-free savers.

£780 for a £229 tumbledryer?! MPs urge crackdown on rent-to-own retailers that charge poorest families three times as much to buy household goods in instalments

Retailers such as BrightHouse, PerfectHome and Buy as you View allow the poorest families to buy goods such as televisions, washing machines and beds and pay in instalments rather than upfront. But the high levels of interest they charge mean the poorest households who tend to buy in this way can end up paying more than triple the cost compared to buying upfront, MPs warned.

ASK TONY: Air France lost our suitcase and we are still out of pocket for emergency clothing 

The suitcase is still missing and we are out of pocket for emergency clothing. On top of this, we have lost everything in the suitcase.

Is this the way all retirement homes should be run? When firm running Woodchester village went bust, the residents took charge...

Woodchester in the Cotswolds is thought to be Britain's only mutually run ­retirement community: a village run by its elderly residents, for the residents. All the profits go back into making the community better - not into the pockets of a ­private ­landlord or shareholders. That's why some areas seem so plush - the communal rooms have wallpaper sold at Highgrove and bespoke furniture picked by a designer in Chelsea.

Are top traders born or made? Tim Price on how the film Trading Places shows anyone can play the markets - but it's not easy 

Film buffs will remember the 1980s Eddie Murphy and Dan Aykroyd film Trading Places where a crook and a trader saw their lives swapped, but can anyone really be dragged off the street and taught to be a top investor?

Rare Royal Navy £2 coins tipped to be worth a mint in years to come are dished out in change to lucky HMS Belfast visitors

A £2 coin which commemorates the vital role the Royal Navy played in the First World War is set to become one of the rarest coins in UK circulation. Just 100 of the coins have been issued by the Royal Mint in partnership with the visitors' centre at the iconic HMS Belfast, located near Tower Bridge in London.

Loyal customers leaving Barclays after being told they're TOO POOR: Some have been with the bank for 60 years but booted out because they don't earn £75,000

Exodus comes after we revealed how Barclays was moving up to 270,000 people from paid-for Premier Life deal into a basic ­current account because they didn't earn enough.

Savage home loan price war slashes thousands off bills: The best mortgage deals revealed

Homeowners who seek to renew or take out a two or five-year fix can make huge savings after falls of more than 40 per cent in loan costs.

'The best ever chance to fix at a low rate': Now 25 mortgages charge LESS interest than an easy access savings account pays

There has never been a better time to be a mortgage borrower looking for a cheap fixed rate with home loan costs at record lows according to Bank of England figures. Mortgage pricing has fallen so low that research for This is Money shows there are 25 home loans priced below the best easy access savings deal - and that only pays 1.5 per cent.

Pension savers can take small pots from old employers with them automatically when they change jobs from late 2016

The new system is aimed at combating the problem of savers building up a backlog of dormant pots, which are easy to lose track of when they move jobs.

Baffling state pension forecasts scrapped and replaced with 'one figure' version after flood of complaints

Savers who will retire from April 6, 2016, have complained of being ­ baffled by vital projections supposed to show what they will receive.

50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings

50 ways to save money: How to cut what you spend and put more in your savings

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

DIY investing: How to pick the best platform for you.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Revealed: The world's cheapest and most expensive stock markets - and where the UK stands

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and trust ideas for emerging markets

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will interest rates rise? Deflation fears and eurozone QE mean rates may not move this year, as the hawks back down

This has been a big week for monetary policy. The European Central Bank finally announced quantitative easing in the eurozone, with a plan to print 60bn-a-month, while at home in the UK the Bank of England's rate hike hawks backed down. The question now is whether rates will now even rise at all in the UK this year?

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

From last year savers will be able to save up to a whopping £15,000 tax-free - all of which can go into a cash Isa. We pick our five favourite cash Isas for savers, don't miss this essential Isa reading that is kept up-to-date throughout the year.

What next for house prices? Buyers offered a chance to negotiate and save money as sellers cut asking prices

spt_split-weather-houses.jpg

The traditional pre-Christmas drop in asking prices has been far more pronounced than usual, according to Rightmove. We look at the outlook for house prices.

Looking for a better bank? This is Money's five of the best current accounts

Best five: which current accounts offer the best perks?

How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

Ten tips for buy-to-let: the essential advice for property investors and pick of the top mortgage rates

Buy-to-let: Ten things you need to consider before investing

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Read our top ten buy-to-let tips

What next for mortgage rates? Fixed rates tumble to as low as 1.29% as lenders keep on cutting

Lock in a five-year fix now: The bank rate could rise as early as next year, which would send mortgage rates up

Homeowners can fix for two years at just 1.29 per cent and up to ten years at less than 3 per cent. We highlight the best mortgage deals and look at whether it is time to fix.

Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.

Premium Bonds winners

February 2015
Prize value Winning bond No. Area
£1,000,000 199ZJ038316 Cornwall
£1,000,000 157LK843986 West Midlands
£100,000 95AM662070 Norfolk
£100,000 93FE937577 Kent
£100,000 35HD524511 West Scotland
£100,000 143WZ658603 Cleveland
£50,000 57QY965463 Hertfordshire
£50,000 235XE429302 Bristol
£50,000 214HF436031 Dorset
£50,000 201RL410155 Hertfordshire
£50,000 200FF269950 Dorset
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