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As a market expert for Casino.org, he is part of the team that re-tests bonuses. It’s also important that all data shared with the site is encrypted. It’s certainly confusing, because free spins are a type of casino bonus.

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Track Record, available to FTBs with a proven record of paying monthly rent for the past year, is a 100percent loan to value, fee-free, five-year fixed rate deal. Virgin Moneyhas increased the cost of selected residential and buy-to-let fixed rate deals, through brokers, by up to 0.2 percentage points. Its core residential purchase two and five-year fixed rates and product transfer deals at 65percent and 75percent loan to value are all set to rise. The bank’s rate changes include cuts and increases to Green BTL mortgage deals. Santander has cut selected fixed rates for residential purchase and remortgage, in welcome news for borrowers looking for a new home loan.

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Borrowers are permitted to make an unlimited number of overpayments during the fixed-rate term with no penalty. Usually, lenders limit overpayments on fixed rate deals to 10percent of the outstanding loan each year. The bank has announced the launch of a limited run of fixed rate owner-occupied and buy-to-let mortgages and is offering a two-year fixed rate at 5.49percent at 75percent LTV with no fee. The same fixed interest rate is also available over five years, also at 75percent LTV with no fee. HSBC has cut its fixed mortgage rates by up to 0.45 percent points and is offering a five-year deal priced below the Bank of England bank rate of 4percent, writes Jo Thornhill. First Direct is cutting fixed mortgage rates across its range by up to 1.05 percentage points.

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Casino sites take every possible opportunity to market their services and invite more players to join their venues. No deposit casino bonuses are one of the most effective tools casinos in the UK use to attract new players to try out the website and hopefully stay and play. An “investment” of 10 is not much money for the casino site if they get more new members that will continue playing with real money when they use the bonus. This platform has attracted many players with its generous bonuses, including no deposit bonuses. For instance, 10Bet provides its new members with a generous no deposit bonus. When you register at 10Bet, you get 30 free spins even before you make your first deposit.

Skipton is also cutting product transfer deals for existing customers by up to 0.66 percentage points. Swap rates – the rates at which banks lend to each other – have nudged back down in recent days following rises last week amid general market jitters. But HSBC has not reduced its five-year fixed remortgage deal for new customers, currently at 3.94percent with a 999 fee. Santander, NatWest and Virgin Money all have lower five-year remortgage deals at 3.89percent, 3.89percent and 3.84percent respectively . Coventry building society is also cutting rates again for new residential and buy-to-let borrowers, for deals available through brokers.