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Bristol & West Mortgages

Type: Fixed rate mortgage

Description: Bristol & West is offering a new fixed rate mortgage with no extended tie-in, available at the rate of 6.75 per cent until 31 August 31 2011.

Conditions: The maximum LTV is at 90 per cent with a 1 per cent advance. The incentives of free accident, sickness and unemployment insurance for three months are available and for re-mortgages, free valuation and free legal fees.

Contact: www.bristol-west.co.uk

Verdict: Mortgages are more complex right now. This one looks appealing in terms of the LTV and the other incentives but it is down to individual circumstances and a careful check of the small print. Any buyer also needs to beware that interest rates go dramatically down, so they will be locked in at a relatively high rate. A good mortgage broker ought to be able to make an effective comparison for any would-be applicant.

Rating: 3/5