Like many in the supply chain, I’ve got richer over the past year without really trying.

Three years ago the mortgage rate on our three bedroom home was close to 4%.

Fast forward to our renewal, and we qualify for a rate closer to 2%.

At a stroke, we’ve become £400 a month better off.

That’s just as well, because our family has been growing (another girl, 9lb 5oz) so we’ve been in need of a bigger car.

Our previous motor, a small French hatchback, ...

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