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• Overall individual net borrowing of mortgage debt fell to 1.2 billion in May, down from 2.2 billion in April.

In most cases, the government only takes tax on your regular income, which is money you earn from investments, salary, and other business profits. As gambling is illegal within the country, there are no hard and fast rules on irregular incomes, such as casino and lottery winnings. Most people choose not to declare this income either, as doing so could put them at risk. With mobile gambling becoming increasingly popular each year, we ensure that each of our recommended casinos supports mobile devices. To make mobile online gambling in the UAE easier, we dedicate a section of our reviews to our mobile casino experts, where they cover the mobile browser and app gambling experience in detail. First Direct’s offerings stack up well against other 95percent deals which – due to the higher lending risk – come with higher rates than mortgages with lower LTVs.

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When these applications have been processed, a lender often then lowers interest rates again. Online searches for mortgage rates soared by more than 500percent in the year to November 2022, with borrowers seeking information and reassurance as interest rates climbed, writes Jo Thornhill. “With rates in a state of flux we’re likely to see mortgage rates fluctuating. No one can accurately predict where rates will be in the future and there are still many factors that can change in a short period of time. Elsewhere, mortgage lenders have continued to adjust rates in the wake of yesterday’s Budget.

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Virgin has a purchase exclusive deal, through brokers, at 4.58percent with a 1,295 fee (60percent LTV) and a five-year fixed rate for remortgage at 4.8percent (70percent LTV) with a 995 fee. The number of remortgages had fallen in previous months as more borrowers decided to take a product transfer deal with their existing lender. This option can be attractive when rates are rising, as the customer does not need to undergo a full affordability assessment. Yorkshire building society has announced rate reductions of up to 0.35 percentage points across its fixed rate range. The biggest rate cuts are for borrowers with the smallest cash deposit or equity in their home. Generation Home has cut rates across its entire range by up to 0.25 percentage points.

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NatWest’s two-year fixed rate for purchase is now 4.77percent with a 1,495 fee. Both Nationwide and Santander have equivalent deals over two years starting from 4.79percent. The best buy five-year fixed rate for remortgage is now 4.4percent, on offer from Santander (at 60percent LTV) with a 999 fee (previously the lowest rate was 4.28percent with NatWest). As well as responding to wider wholesale market costs, lenders can raise mortgage rates to control business volumes. Yorkshire building society has announced it is raising the cost of selected mortgage deals from today, as Santander’s new higher rates also kick in, writes Jo Thornhill.

Keystone, the buy-to-let lender, has launched a new range of deals with lower rates but a higher set up fee of 5percent. It is offering a five-year fixed rate at 5.29percent (65percent LTV) or at 5.39percent (75percent LTV). For multi-occupancy properties rates start from 5.54percent (65percent LTV).