Associated newspapers ltd · terms & conditions · privacy skip over adverts femail. Would provide a fixed term for the mortgage even if the couple moved house ; offered the possibility of a cash surplus; and provided the couple with life cover. The over 53s now have the biggest outstanding credit card debt, while those in their 60s have increased their credit card borrowing by one third between 2004 and 2005.

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In 2006, we are still fighting, this time over the unfair application of bank charges on unauthorised overdrafts. Morgage estimate. Last month, bradford & bingley trumped them all with a deal that boasts a maximum term of 45 years. In the us, insurers are more discerning, with some companies having up to six categories to cover smoking status. The country's most powerful banker, bank of england governor mervyn king, added his influential voice to concerns about debt and house prices. Variable 80% 1% none during first 10 years   20 years semi- exclusive; interest- only available; leaseback approved 3. 9.