MORTGAGES

Leeds Building Society has launched a 10-year fixed rate mortgage at 4.49% up to 65% loan-to-value with a £199 fee.

The product comes with a free valuation and for remortgage customers it comes with free legal services.

Tapered early repayment charges apply to the product which start at 6% reducing to 2% by the end of the fixed term. Capital repayments of 10% are allowed each year.

CREDIT CARDS AND LOANS

Sainsbury’s Bank has reduced the rate on personal loans between £7,500 and £15,000 to 4.6% APR representative. The rate is available on a repayment term of four to five years.

Those borrowing over one to three years will receive a rate of 4.5% APR representative.

The rate is available until 3pm on Friday 31st January 2014. Customers must have a Nectar card to apply.

Halifax has launched a new personal loan called the Clarity Loan, which allows borrowers to pay off the loan early at any time without incurring any additional interest.

The Clarity Loan is also covered by the Halifax’s Personal Loan Repayment Promise.

The Promise guarantees the maximum amount customers will pay each month when they take out a five year personal loan, so customers can easily see how much their loan will cost before applying.

MBNA has extended its balance transfer period to up to 24 months for its range of official credit cards.

The new card also offers zero percent interest on purchases made in the first three months of opening an account.

The offer applies to the official credit cards for Arsenal, Manchester United, Aston Villa, Chelsea and Liverpool football clubs.