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NatWest’s two-year equivalent deal is now priced from 4.44% with a ‘1,495 fee (60% LTV). Coventry building society is also cutting rates again for new residential and buy-to-let borrowers, for deals available through brokers. Santander is cutting selected rates, available through brokers, by up to 0.45 percentage points from tomorrow active (18 January). The Spanish-owned lender is offering a five-year fixed rate for residential house purchase priced at 4.44% for a ‘999 fee for borrowers with a 10% cash deposit. Specialist lender Accord, part of Yorkshire building society, offers a five-year fixed rate with no early repayment penalties on a buy-to-let mortgage deal.
But they will usually pay between a few cents and a few dollars for minutes of your time. Your quality score measures how attentive and truthful you are when answering surveys ‘ so take your time and don’t lie ‘ while your account level goes up as you reach specific usage goals. As a bonus, if you start a survey only to get disqualified, you will be entered into a quarterly draw for $10,000 each time. Their average survey pays $1, not a bad baseline, when many others pay only a few cents, and can go up to $25.
Specialist buy-to-let lenders Paragon and Keystone Property Finance have all cut rates, effective today, in welcome news for landlords and property investors. Virgin Money has said its SVR, already one of the highest in the market, will rise from 9.24% to 9.49% from 1 October for existing customers (or with immediate effect for new borrowers). At higher LTVs Halifax’s two-year fixed rate is 6.06% (90% LTV) or five-year at 5.81% (95% LTV), both with a ‘999 fee. As stories from past days (see below) show, other major lenders including Nationwide, Virgin and NatWest are cutting rates to make themselves more competitive. Accord, the specialist buy-to-let (BTL) lender, is cutting rates by up to 0.51 percentage points from tomorrow (20 September). The deal, which requires a 50% cash deposit or equity, has a hefty 5% arrangement fee.
Coventry building society is cutting the cost of a range of its residential and buy-to-let fixed rate deals from Friday (1 September). Specialist buy-to-let lender Precise Mortgages has cut five-year fixed rates across its limited edition range. Skipton building society has unveiled its new fixed rate deals for residential and buy-to-let borrowers, after it announced rate cuts yesterday. Among other highlights Nationwide also has a fee-free three-year fixed rate at 6.09% (75% LTV).
However, rising house prices and interest rates are likely to continue to prove a hurdle for mortgage applicants. However, actual interest rates increased by a maximum of only 0.5 percentage points from 2017 to 2021, prompting concerns that this 3% stress rate uplift was too high. Lenders will instead base their ‘stress test’ on forecast interest rates, although this must include a minimum ‘stress buffer’ of at least 1 percentage point above the original mortgage rate. Borrowers can pay back the equity loan at any time after the build is finished but it must be repaid in full by the end of the mortgage term or when the home is sold, whichever happens sooner.
Sites like Swagbucks, MyPoints, and InboxDollars allow you to make more money for things like watching videos, installing apps, shopping online, and accepting special offers. You can easily multiply your earnings without much extra effort, which is why those sites are rated high on our list. Members earn points for completing surveys, which can be redeemed for various rewards, including cash and free gift cards. Earnings vary based on survey length and complexity, with YouGov offering a transparent and straightforward platform for users to voice their opinions and earn rewards.
Mortgage brokers described the market as being in a ‘state of frenzy’. The Bank of England’s Monetary Policy Committee is due to meet next Thursday (22 June). Earlier this week, MPC member Jonathan Haskel said he couldn’t rule out the possibility of two more rate rises this year as the image source Bank tried to combat stubbornly high inflation. Borrowers are braced for more bad news at lunchtime today as the Bank of England is expected to raise interest rates, writes Jo Thornhill. There will be no change to the bank’s standard variable rate (SVR), currently pegged at 7.5%.
Aldermore has cut its fixed rate mortgage deals for existing customers looking to switch. The new product switcher rates apply on residential deals as well as buy-to-let (BTL). West Bromwich building society has cut three-year fixed rate deals by up to 0.3 percentage points.
Many survey companies also offer longer surveys that can take hours or even be recorded over a period of days. One great part about PrizeRebel is the number of gift card options they offer to claim your rewards ‘ over 500! ‘ plus games codes for Xbox, PlayStation, and even League of Legends and World of Warcraft.
You’ll earn money for providing your honest opinions, helping brands improve their products or services. TSB is cutting rates across its product transfer and additional borrowing mortgages source by as much as 0.65 percentage points. It is offering a five-year fix for product transfer (for existing customers looking for a new deal) at 3.89% (60% LTV) with a ‘995 fee.
Skipton is also cutting product transfer deals for existing customers by up to 0.66 percentage points. Fleet Mortgages has tweaked rates down across its standard BTL range, as well as deals for limited companies and houses for multiple occupancy (HMOs) by up to 0.15 percentage points. Its standard BTL two-year fixed rate for individual landlords at 75% loan to value is now 4.89% with a 3% fee, and a five-year fix at 70% LTV is at 4.59% with a 5% fee.
We didn’t want to recommend sites that offer limited opportunities to earn money. After completing the registration process, you’ll receive an email confirmation. After that, you can begin earning points by taking surveys you qualify for.
Nonetheless, after getting your sign-up bonus, you will likely only need to answer a few more surveys to reach this amount. Most surveys on the website take 5 to 20 minutes and can pay up to $1 per survey. If you are a regular user of the platform, you can easily earn up to $100 or more each month, making this one of the best side hustle ideas. The website is intuitive and easy to use, and the platform gives new users a $5 sign-up bonus when they confirm their email addresses.
At the same time it is reducing the cost of a range of its first-time buyer deals (at higher loan to values) and some product transfer fixed rates at higher LTVs (for existing customers). Bank of Ireland is increasing selected fixed rates across its product transfer range for existing customers from tomorrow. Among the new deals the lender is offering two-year fixed rates from 4.93% and five-year fixed rates from 4.62%, both with a ‘1,495 fee and at 60% loan to value. The Mortgage Works, the specialist lending arm of Nationwide building society, is relaunching fixed rate deals for buy-to-let borrowers at 80% loan to value from tomorrow (7 June). The two-year fix is 5.74% and the five-year fix is 5.94%, both deals have a 2% arrangement fee and are available for purchase and remortgage.
This is another site that rewards you with points, known as ‘HIpoints’ that can be redeemed for electronic gift cards. Join for the surveys and if product testing opportunities come your way, then treat it as the icing on the cake. Another great thing that makes iPsos a favorite among most survey takers is that their gift cards prizes are delivered to your email instantly. This is Microsoft’s own in house survey panel where they gather feedback on all of their existing products as well as new products. You get to test out new software, games and any other product the company makes.