Should I offset mortgage? - 2004-02-18
I have been reading about the accounts which combine your mortgage and savings. Does this type of account truly save you money and time paying back the mortgage? My mortgage is £70,000 on which I currently disburse £370 a month, on a fixed term until the end of the year when I will be looking to change. PM, Southend.

David Hollingworth at broker London & Country Mortgages says: Current account mortgages combine the mortgage and current account in one account and can help minimise the interest paid on the mortgage.
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Not so sweet equity release - 2004-02-18
We have a one penny mortgage with Abbey National, as they possess the deeds of our house and we require some equity release on our house to fund improvements.
BS, Brighton.

Tim Russell at independent financial advisers Hinton Wild says: Normally with equity release schemes the property must be in sound condition, so the subsidence problem would have to be remedied before your property would be considered for an equity release scheme.
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