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The secret boiler button that can slash heating bills by £150

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The secret boiler button that can slash heating bills by £150

A secret boiler button could slash your heating bills by a whopping £150.

There’s claims that average gas bills could go down by as much as 9per cent by turning your boiler flow temperature down.

Plumber technician servicing or repairing home central heating system boiler

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Plumber technician servicing or repairing home central heating system boilerCredit: Getty

Families are trying to find ways to stave off energy costs down while keeping warm during the winter months.

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But energy experts from one of the UK’s biggest money saving expert’s have revealed some top tips on how to combat heating bills as temperatures plunge.

Ben Gallizzi, energy expert at Uswitch.com, said: “The boiler flow rate controls how hot the water is when it leaves the boiler and goes to your radiators. It’s separate to heating and radiator controls.

“Reducing the flow rate can make your boiler run more efficiently, which can save you energy and money.

“People with a condensing combi boiler may be able to turn down the flow temperature to save themselves some money on their energy bills.

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“For combi boilers, the recommended output temperature for the radiators is 75C and at least 60C for water, which is the temperature that kills legionella bacteria.”

Flow rate control work is a key element that homeowners can use to lower their payments.

Which? Energy Editor Emily Seymour explained why it’s important.

She said: “Most homes are heated by wet central heating. The heating flow temperature of your boiler is the temperature at which water leaves your boiler on its journey to your radiators.

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“By default, many boilers are set to heat this water to 75-80C. But many homes with condensing combi boilers can be suitably warmed with heating flow temperatures of 60-65°C or lower.

Moment Martin Lewis slams ‘you’re taking money from UK’s poorest pensioners’ in fiery clash with cabinet minister on GMB

“Lowering that temperature means your boiler uses less gas and operates more efficiently.

“Combi boilers also let you select how hot the water supplied to your taps is. As a result, you can adjust both your heating and hot water temperature separately.

“Water comes back from radiators into your boiler when it reaches a certain lower temperature, ready to be heated up again. This is called the return temperature.

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“The return temperature is likely to be 60 degrees if you have a flow temperature of 80 degrees.”

By tweaking it, you could save yourself a fair bit of cash if your home is well insulated.

Your average gas bills could go down by as much as 9per cent by turning your boiler flow temperature down – which equates to roughly £150 a year.

But for those that aren’t well insulated or have small radiators, the benefits may not be as good.

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To change your boiler’s flow temperature, Emily says: “On a combi boiler, flow temperature for heating is usually shown by a radiator symbol and, for hot water, a tap symbol.

“Use the up and down arrows to adjust the temperature.”

It is important to note that the Heating & Hot Water Industry Council (HHIC) recommends that people adapt their boiler settings with the advice of a boiler engineer.

But if you have a combi boiler, you’ve made sure it’s safe and you’ve checked your boiler’s technical manual, you can adjust these settings yourself.

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This setting is accessible to anyone and it can be changed using your boiler controls.

4 ways to keep your energy bills low 

Laura Court-Jones, Small Business Editor at Bionic shared her tips.

1. Turn your heating down by one degree

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You probably won’t even notice this tiny temperature difference, but what you will notice is a saving on your energy bills as a result. Just taking your thermostat down a notch is a quick way to start saving fast. This one small action only takes seconds to carry out and could potentially slash your heating bills by £171.70.

2. Switch appliances and lights off 

It sounds simple, but fully turning off appliances and lights that are not in use can reduce your energy bills, especially in winter. Turning off lights and appliances when they are not in use, can save you up to £20 a year on your energy bills

3. Install a smart meter

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Smart meters are a great way to keep control over your energy use, largely because they allow you to see where and when your gas and electricity is being used.

4. Consider switching energy supplier

No matter how happy you are with your current energy supplier, they may not be providing you with the best deals, especially if you’ve let a fixed-rate contract expire without arranging a new one. If you haven’t browsed any alternative tariffs lately, then you may not be aware that there are better options out there.

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    ‘Here we come’ rave shoppers as Lidl brings back USA week with beloved snacks – from fried chicken to toaster tarts

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    'Here we come' rave shoppers as Lidl brings back USA week with beloved snacks - from fried chicken to toaster tarts

    SHOPPERS are raving as Lidl brings back its USA week with beloved snacks from fried chicken to toaster tarts.

    For one week only, the supermarket giant is stocking all things American.

    Lidl's Strawberry Toaster Tarts were spotted in store

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    Lidl’s Strawberry Toaster Tarts were spotted in storeCredit: Facebook
    The chain is also stocking a range of flavoured frappés

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    The chain is also stocking a range of flavoured frappésCredit: Facebook
    Items such as this cheeseburger toastie are too on sale

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    Items such as this cheeseburger toastie are too on saleCredit: Facebook

    A keen-eyed shopper had spotted the German supermarket stocking the American foods and drinks on Thursday.

    They shared the post on Facebook group Newfoodsuk in which hundreds of people commented their enthusiasm for the products.

    The limited-time range includes items such as a 750g Fried Chicken Bucket (£5.99) as well as a range of cheap American chocolates and other sweet treats.

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    It comes as part of Lidl’s Flavour of the Week programme which features foods from a specific world region for just 7 days.

    Previous editions have covered the Alps, Iberian Peninsula, and Germany.

    For its USA week, the retail is stocking a range of American and American-inspired cuisine.

    Shoppers were quick to comment their excitement under the Facebook post.

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    One said: “Oh wow that all looks amazing.

    “Lidl here I come.”

    Another added: “Some of the bits look really nice.”

    Items to always buy at Lidl

    Many also expressed their desire to visit their local store as soon as possible.

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    Users tagged their friends saying “we are going tomorrow” and “we need to go.”

    Lidl has stocked an extensive range of products for the week.

    For just £1.99, you can get your hands on a set of nine pizza bagels in either Margherita, Salami, or Cheeseburger Style.

    A packet of Chocolate or Nougat American Cookies could be yours for even less at just £1.29.

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    If you’re feeling in a more breakfast food mood, you can grab Mcennedy’s Pancake Mix (£1.19) and Clarks’ Maple Syrup (£1.99).

    The special week also covers drinks with a Chocolate or Cranberry & Cherry Mcennedy Milkshake selling for just 59p.

    How to save on your supermarket shop

    THERE are plenty of ways to save on your grocery shop.

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    You can look out for yellow or red stickers on products, which show when they’ve been reduced.

    If the food is fresh, you’ll have to eat it quickly or freeze it for another time.

    Making a list should also save you money, as you’ll be less likely to make any rash purchases when you get to the supermarket.

    Going own brand can be one easy way to save hundreds of pounds a year on your food bills too.

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    This means ditching “finest” or “luxury” products and instead going for “own” or value” type of lines.

    Plenty of supermarkets run wonky veg and fruit schemes where you can get cheap prices if they’re misshapen or imperfect.

    For example, Lidl runs its Waste Not scheme, offering boxes of 5kg of fruit and vegetables for just £1.50.

    If you’re on a low income and a parent, you may be able to get up to £442 a year in Healthy Start vouchers to use at the supermarket too.

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    Plus, many councils offer supermarket vouchers as part of the Household Support Fund.

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    Unilever finally pulls out of Russia – two and a half years after Putin’s invasion of Ukraine

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    Unilever finally pulls out of Russia - two and a half years after Putin’s invasion of Ukraine

    UNILEVER is finally calling quits on selling ice creams to Russia, two and a half years after Putin’s invasion of Ukraine.

    The FTSE 100 giant has come under pressure for funding the Kremlin’s war by remaining in the country.

    Unilever, which also makes Dove, is finally calling quits on selling ice creams to Russia

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    Unilever, which also makes Dove, is finally calling quits on selling ice creams to RussiaCredit: Eyevine
    The giant has come under pressure for funding the Kremlin’s war by remaining in the country

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    The giant has come under pressure for funding the Kremlin’s war by remaining in the countryCredit: Getty

    Unilever had been branded an “international sponsor of war” by the Ukrainian government — puncturing the woke firm’s self-styled reputation for social purpose and values.

    The backlash included protests outside its London HQ.

    The invasion of Ukraine triggered an exodus of big Western firms, including BP, McDonald’s and Burberry.

    However, Unilever stayed put. The company, which also makes Dove, has now made a reported £430million selling its Russian assets to billionaire Alexey Sagal, who bought Heineken’s Russian subsidiary for €1.

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    Unilever did not say what it would be doing with the sale ­proceeds or whether it would donate them to Ukraine.

    Rival KitKat-maker Nestle justified staying in Russia with slimmed-down operations of “essential products” such as baby milk.

    But Unilever was still making products such as Magnums, ­Cornettos and Ben & Jerry ice cream from four factories in the country.

    By remaining in Russia, Unilever contributed millions of pounds in taxes to the Russian government.

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    The Moral Rating agency had estimated Unilever’s business propped up the Russian economy to the tune of $650million (£498million) a year, which it said was “enough to pay for an Iranian drone every 17 minutes”.

    Nataliya Popovych, a co-founder of the B4Ukraine coalition, said: “We are pleased to see Unilever make the right move, even though such a decision comes two years too late.”

    McDonald’s to PERMANENTLY leave Russia and will sell all 850 stores after 30 years in response to Ukraine war

    Hein Schumacher, Unilever’s boss, previously said remaining in Russia was the “least bad” option, which avoided handing over its workforce, factory and assets.

    Yesterday Mr Schumacher said the sale to Mr Sagal’s Arnest Group “ends Unilever presence in the country”.

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    He said: “Over the past year, we have been carefully preparing the Unilever Russia business for a potential sale.

    “This work has been very complex, and has involved separating IT platforms and supply chains.”

    SELLING UP TO BEAT BUDGET

    FEARS that the Chancellor will hike capital gains tax in the Budget have prompted many business owners to fast-track selling their firms over the past year, figures show.

    A poll of 500 owners by wealth advisers Evelyn Partners found 23 per cent of those to accelerate selling up had done so because they feared a hit from CGT relief.

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    A fifth were driven by concerns over inheritance tax relief, making it more costly to pass family firms to the next generation.

    Evelyn tax partner Laura Hayward said: “The PM’s statement that the upcoming Budget would be ‘painful’ has put owner-managed businesses on edge.”

    Charles Hall, of broker Peel Hunt, said rumoured changes to business relief would “fatally undermine” London’s junior Aim stock market, destroying up to £21billion of shareholder value and risking jobs.


    SHARES in GSK briefly rose by 7 per cent yesterday as it agreed to pay £1.7billion to settle a legal dispute with 80,000 Zantac users.

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    The heartburn drug was pulled in 2019 amid fears of carcinogens. GSK did not admit liability. Shares closed up 3 per cent.


    IKEA IDEA ON PRICE

    IKEA’S decision to cut prices has led to lower revenues at the Swedish furniture giant.

    It posted a 6.8 per cent drop in UK sales to £2.3billion after investing £117million in lowering prices by around 20 per cent on 3,481 products.

    More than half of its sales this year have been online, compared with 38 per cent two years ago. Ikea UK boss Peter Jelkeby said: “Continuing to lower prices remains our long-term priority.”

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    TSB FINED£10M FOR BAD HELP

    TSB has been fined £10.9million for its unfair treatment of customers.

    TSB has been fined £10.9million for its unfair treatment of customers, one staffer suggested a borrower removed the £20 a month they had allocated for children’s clothes and made sandwiches instead of paying for school meals.

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    TSB has been fined £10.9million for its unfair treatment of customers, one staffer suggested a borrower removed the £20 a month they had allocated for children’s clothes and made sandwiches instead of paying for school meals.Credit: Paul Tonge – The Sun

    The Financial Conduct Authority said the bank had “woeful systems and controls” and created unrealistic repayment plans.

    A TSB staffer had suggested a borrower removed the £20 a month they had allocated for children’s clothes and made sandwiches instead of paying for school meals.

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    In another case the bank applied arrears to a dead customer’s mortgage payments.

    It also applied arrears to a customer after an Alzheimer’s diagnosis and did not flag another as vulnerable despite them making repeated references to suicide in calls.

    The failings took place between June 2014 and March 2020.

    TSB agreed to resolve the issues identified, which meant the fine was cut by 30 per cent from £15.6million.

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    DAWN OF THE A.I. BOSS

    WORKERS will soon be right when complaining that their boss is a robot — with video call firm Zoom creating artificial intelligence avatars for conference calls.

    1992 sci-fi film The Lawnmower Man could be inspiration for managers of the future

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    1992 sci-fi film The Lawnmower Man could be inspiration for managers of the futureCredit: IMDB
    One of Zoom’s realistic AI avatars

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    One of Zoom’s realistic AI avatars

    Its latest AI software means that bosses can use a digital version of themselves, or a generic avatar, to deliver brief video messages to workers on calls.

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    Zoom’s boss Eric Yuan has previously talked about creating a “digital twin” of himself as a way to solve busy people’s problem of how to be in two places at the same time.

    The rise of remote working has meant bosses are increasingly delivering news of lay-offs via video calls — meaning workers could find themselves being let go by a robot in the near future.

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    Krispy Kreme is launching beloved Halloween movie-inspired doughnuts with four new flavours

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    Krispy Kreme is launching beloved Halloween movie-inspired doughnuts with four new flavours

    KRISPY Kreme is launching a special range of Halloween doughnuts inspired by a beloved movie.

    The four new flavours honour the 40th anniversary of a 1984 classic film and are available in select stores now.

    The new selection is inspired by the 1984 film Ghostbusters

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    The new selection is inspired by the 1984 film GhostbustersCredit: Krispy Kreme

    The doughnuts were created to celebrate four decades since the release of Ghostbusters.

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    The 1984 classic, featuring Bill Murray and Sigourney Weaver, has been lauded as one of the most iconic blockbusters of the 1980s.

    The all-new Krispy Kreme x Ghostbusters Collection consists of four fresh flavours inspired by the movie, to get you in a spooky mood.

    For a limited time at participating Krispy Kreme shops, guests can enjoy the new doughnuts in a limited-edition custom Ghostbusters dozens box.

    The new treats include:

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    • Ghostbusters (from £3.15) – an Original Glazed dipped in chocolatey icing, topped with dark biscuit crumb, silver sugar and a No Ghost logo plaque.
    • Slimer (from £3.15) –filled with green lemon filling, dipped in purple icing, piped with green icing and a Slimer plaque.
    • Ecto-Sprinkles (Feature Pack exclusive) – an Original Glazed dipped in orange icing and half rolled in Halloween sprinkles.
    • Spooky Sprinkles (from £2.65)  – Original Glazed dipped in chocolatey icing and topped with Halloween sprinkles.

    Dave Skena, Global Chief Brand Officer for Krispy Kreme, said: “Yes it’s true, these treats are no trick.

    “When it comes to Halloween this year, you know who to call.

    “Krispy Kreme is the gatekeeper to Halloween sweetness and Sony Pictures Consumer Products is the key master to bring spooky-sweet Ghostbusters doughnuts to our fans this year.

    “You’re welcome, Gozer.”

    The UK shop that top star says should be on ‘UK Heritage List’ – as it’s better than the Eiffel Tower

    Krispy Kreme and Ghostbusters fans can also get a limited time Krispy Kreme dozen (from £ 25.95) featuring the Ghostbusters, Slimer, Ecto-Sprinkles and Original Glazed Doughnut.

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    The dozen are delivered fresh daily to all Krispy Kreme shops, selected grocery shops, and are also available for delivery straight to your door via nationwide delivery.

    For more information about the Halloween range, please visit https://www.krispykreme.co.uk.

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    Over 70,000 festive roles on offer today – from Sainsbury’s to M&S

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    Over 70,000 festive roles on offer today - from Sainsbury's to M&S

    FANCY getting yourself an early Christmas present? Then apply for a festive job.

    With the big day just ten weeks away, employers are gearing up to hire almost a quarter of a million seasonal staff.

    Use your skills to spread some Christmas cheer by working in a toy shop

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    Use your skills to spread some Christmas cheer by working in a toy shopCredit: Supplied
    After working in care through the pandemic, Alison Heatley joined Freemans as a festive temp

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    After working in care through the pandemic, Alison Heatley joined Freemans as a festive tempCredit: Supplied

    And many temporary jobs can become permanent if you show bosses you are a good fit for them, so you could launch into a new career.

    The number of jobs is up on last year and many roles offer perks including staff discounts on your shopping.

    This week and next, we will bring you the brightest and best Christmas opportunities. On this page there are more than 70,000 jobs up for grabs.

    One big festive employer is Sainsbury’s with 18,000 jobs in stores, delivery and warehouses plus a further 2,000 at Argos.

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    The retailer offers free food during shifts and a ten per cent discount at Sainsbury’s and Argos for eligible colleagues.

    Prerana Issar, chief people officer at Sainsbury’s said: “Joining us during this busy time is a fantastic opportunity to meet great people and acquire skills that will stay with you long after the festive season.”

    Apply at ­sainsburys.jobs/christmas.

    Another big Christmas recruiter is M&S, with 11,000 jobs, up 1,000 on last year. See jobs.marksandspencer.com/christmas.

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    Superdrug has 1,000 sales adviser roles showing at Superdrug.jobs and Poundland is hiring 1,000 Christmas helpers at poundlandcareers.co.uk.

    Freemans.com has 20 vacancies for warehouse staff sending Christmas orders out around the UK.

    New workers’ right rules will just mean firms hiring fewer people say Julia Hartley-Brewer

    After working in care through the pandemic, Alison Heatley joined Freemans as a festive temp and now has a permanent role with the company.

    Alison, 48, from Bradford said: “If you are thinking about applying for a Christmas job, just do it.

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    “You have nothing to lose and lots to gain.

    “I made myself available for work and showed that I wanted to learn new roles and it definitely helped with landing a permanent job at Freemans.

    “I feel that all my efforts at work have paid off and I am so glad I made the change.”

    Apply at mach.co.uk

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    Currys has 1,000 vacancies in store plus 100 permanent 7.5 tonne delivery & install driver jobs. Apply at curryscareers.co.uk.

    At Iceland, there are jobs for 750 delivery drivers and more than 1,000 retail assistants. For details see icelandcareers.co.uk.

    Photo and personalised gift chain Max Spielmann, which is part of the Timpson group, is taking on 200 staff. See timpson.co.uk/about/careers-at-timpson.

    The Range is taking on around ten temp staff for each store, with 2,000 needed nationwide. See therange.co.uk/careers.

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    GET AHEAD OF GAME IN KIDS’ SHOP

    BRIMMING with elf confidence? Then use your skills to spread some Christmas cheer by working in a toy shop.

    The Entertainer has launched its biggest-ever festive recruitment drive with more than 1,000 jobs available nationally.

    Many employees who joined The Entertainer on seasonal contracts have stayed with the business and progressed into store, field and head office and area manager roles with the retailer.

    CEO Andrew Murphy said: “We need enthusiastic people with a love of toys to help sprinkle some Christmas magic in all our stores for the festive period.”

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    Visit thetoyshop.com.

    Festive recruitment

    THERE are two firms employing almost as many festive helpers as Santa – both are recruiting now.

    The Royal Mail is hiring 16,000 temporary staff over the festive season. 

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    To apply for a role, email christmas_helpline @royalmail.com, call 0345 600 1785 or go to Christmasrecruitment.royalmailgroup.com.

    Amazon needs to fill 15,000 seasonal positions nationwide, with pay from a minimum of £13.50 per hour, rising to £14.50 depending on location. Apply at jobsatamazon.co.uk.

    HOW TO BAG SEASONAL POST

    Anne Brewster, from Jobcentre Plus in Grimsby, shares her expert advice

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    Anne Brewster, from Jobcentre Plus in Grimsby, shares her expert adviceCredit: Supplied

    WITH the annual festive season recruitment push in full swing, what’s the best way to secure a job?

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    Here Anne Brewster, from Jobcentre Plus in Grimsby, shares her expert advice.

    • BE PROACTIVE: The earlier you look, the best chance you have of securing a ­seasonal role. Speak to your Jobcentre work coach about what might be the best fit or visit gov.uk/find-a-job.
    • RESEARCH THOROUGHLY: Before you even secure an interview, make sure you research the employer you are applying to. The more information you have at your fingertips, the better you will present.
    • EXPLORE JOB HELP: Use the Department for Work and Pension’s dedicated website at ­jobhelp.campaign.gov.uk. It is home to all types of ­support, including information about extra help that might be on offer such as training courses plus tips on job-seeking.
    • TAILOR YOUR APPLICATION: Adapt your CV or personal statement for the role you are applying for. Submitting a bespoke application gives you the opportunity to highlight what ­experience and skills you already have that ­mirror what the vacancy needs.
    • LOOK TO THE LONGER TERM: Treat any role as though it was a permanent job. Learn new skills and show willing.

    Jobspot

    PARCEL firm Yodel needs 2,500 couriers and 600 warehouse staff. See yodelopportunities.co.uk.

    • Stonegate, the pub and bar chain, is looking for 1,000 festive staff. Find a job at stonegatecareers.co.uk.


    SMYTHS TOYS also has 1,000 vacancies for sales assistants.

    A spokeswoman said: “We pride ourselves on developing employees skills and knowledge and there are great career progression opportunities for those who want them.”

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    See smythstoys.com/uk/en-gb/careers to find a job.

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    Full list of firms who will offer mortgages to over-60s – and the best rates you can apply for

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    Full list of firms who will offer mortgages to over-60s - and the best rates you can apply for

    GETTING a mortgage past retirement age used to be a hurdle that was hard to jump over, but older home buyers and borrowers have more options than ever before.

    Lenders have become more flexible in their criteria and deals for homeowners heading into their later years.

    The best rates start at just 3.7%

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    The best rates start at just 3.7%

    Some providers now have no maximum age limit at all, giving older borrowers the chance to get the home they want.

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    It comes as first-time buyer ages have gradually increased over the past few years, as higher house prices mean it is more difficult than it used to be to get on to the property ladder.

    At the same time, people are living for longer and working past the traditional State Pension age in many cases.

    In some cases, this may be out of financial necessity but it can also be for enjoyment and to keep mentally or physically active in later life.

    As a result, lenders have adapted to changing patterns.

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    Chris Sykes, at financial firm Private Finance, said: “Lenders have indeed become more flexible in this space in recent years.

    “It might sound like some people’s worst nightmare to have finance into later life, but for some it’s a lifeline as they can’t pay for food with bricks.

    “Others haven’t been able to get on the property ladder as early in life as they would have liked, and some would rather pay monthly but raise capital for children or even grandchildren to buy.”

    Whatever the reason for wanting to borrow, the chances are that there will be lenders willing to look at your case.

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    Chris added: “Mainstream lenders are taking employed and self employed income later and later in life, often to 75 now, some to 80 even.

    “But the lenders who really specialise in this space is specialist building societies.”

    Unveiling the Hidden Costs of New Home Mortgages

    Big lenders usually have set criteria for mortgage applicants which will specify things such as the age you will need to be by the time your mortgage ends.

    However, specialist lenders such as building societies are more likely to look at applicants on a case-by-case basis.

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    As long as these lenders think you will still be able to afford to make the mortgage repayment at a later age, you could find that you are accepted at almost any age.

    In some cases, pension payments will even be an accepted form of income whereas in the past it wasn’t.

    Mr Sykes said: “Building societies are having to innovate in their criteria in order to win business so can be flexible.

    “Often as you get into your 70s, lenders are looking at incomes guaranteed into later life, such as pensions. investments and buy to lets.

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    “But also if you own a business that pays you and is family-run, for example.”

    Lenders typically assess whether you can qualify for a mortgage based on your income through your job.

    The best mortgage rates for over-60s

     A borrower who is 60 and looking for a five-year fixed-rate mortgage today has plenty of choice and can get sub 4% rates.

    The scenario assumes the borrower has an income of £50,000 and wants the mortgage for a 25-year term on a loan to value of 60%, according to data supplied by broker John Charcol,

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    The lowest rate is with Barclays with a competitive offering of 3.7%, it’s the only high street lender in the top five.

    The rest of the leading rates are from building societies with Newbury offering 4.39%, Darlington 4.49%, Cambridge 4.69% and Family 4.74%.

    Some building societies have specialist conditions such as requiring you to live within a particular region of the country.

    The mortgages also come with different product fees which need to be taken into account when looking at the overall value of the deal.

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    An independent mortgage broker can help you understand the best deals available to you in your specific circumstances.

    SPECIALIST LENDING

    As well as traditional mortgage products there are also specialist products available to older borrowers.

    Retirement interest only mortgages, for example, have increased in popularity.

    These loans are available to borrowers over 55 and allow borrowers to pay a fixed amount of interest on a loan with the underlying sum paid off from the property when the owner dies or moves into long term care.

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    There are currently 181 retirement interest-only mortgages available, according to data site Moneyfactscompare.co.uk, compared to 104 products in 2021.

    Caitlyn Eastell from the site, said: “Many people may have existing mortgage debt as they approach retirement age or are simply choosing to continue working past typical retirement age.

    “S0, it is positive news to see a rise in the number of Retirement Interest Only products available to later-life borrowers despite only being a niche sector of the market.

    “RIO mortgages are a way for older homeowners to continue borrowing into retirement and may well help with monthly repayments as it removes the need to repay the capital sum, which could appeal to those who are indeed relying on their pension to make payments.

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    “In any case, it is important borrowers seek advice before committing and ensure they are making the correct decision to suit their needs.”

    Equity release is another product that may suit older homeowners looking to borrow cash.

    You’ll need to get professional advice before you take out specialist lending products.

    Later life advisers can help you to navigate the options available to you whether it’s a mainstream mortgage or a specialist product is best for your particular circumstances.

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    How to get the best deal on your mortgage

    IF you’re looking for a traditional type of mortgage, getting the best rates depends entirely on what’s available at any given time.

    There are several ways to land the best deal.

    Usually the larger the deposit you have the lower the rate you can get.

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    If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.

    Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.

    A change to your credit score or a better salary could also help you access better rates.

    And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.

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    You can lock in current deals sometimes up to six months before your current deal ends.

    Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.

    But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.

    To find the best deal use a mortgage comparison tool to see what’s available.

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    You can also go to a mortgage broker who can compare a much larger range of deals for you.

    Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.

    You’ll also need to factor in fees for the mortgage, though some have no fees at all.

    You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.

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    You can use a mortgage calculator to see how much you could borrow.

    Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.

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    I tested supermarkets own-brand Digestives – winner was more than £1 cheaper than McVitie’s & I couldn’t tell difference

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    I tested supermarkets own-brand Digestives - winner was more than £1 cheaper than McVitie's & I couldn't tell difference

    IF you feel like you are getting a crumby deal on big-name biscuits, you’d be right.

    A packet of McVitie’s Digestives has shrunk by as much as 28 per cent since 2014, despite prices rising by 129 per cent over the past decade.

    Laura Stott tested supermarkets own-brand Digestives against McVitie's

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    Laura Stott tested supermarkets own-brand Digestives against McVitie’sCredit: Damien McFadden

    So could the supermarket versions offer better value?

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    It’s crunch time as Laura Stott tries the own-brand digestives.

    Aldi Belmont Digestives – 29 biscuits, 400g, 57p

    Aldi's digestives are a great dupe and over a pound cheaper than McVitie's

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    Aldi’s digestives are a great dupe and over a pound cheaper than McVitie’sCredit: Damien McFadden

    IN true Aldi dupe style, the packet looks very like the McVitie’s one, which costs over a quid more.

    But put these in a biscuit tin and it’s doubtful anyone will notice the difference.

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    And you get the most biccies per packet too.

    Rating: 5/5

    Tesco Digestives – 28 biscuits, 400g, 70p

    Tesco's version will fall apart before you can dunk them in your cuppa

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    Tesco’s version will fall apart before you can dunk them in your cuppaCredit: Damien McFadden

    THESE looked the part, but tasted disappointing and the texture is too dry.

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    The packet claims the biccies are crumbly and crunchy.

    Instead they tasted dusty, with a few falling apart before I had a chance to dunk them in my cuppa.

    Rating: 1/5

    M&S Digestives – 25 biscuits, 400g, 80p

    The M&S version are still good value compared with McVitie’s

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    The M&S version are still good value compared with McVitie’sCredit: Damien McFadden

    WHILE pricier than other super- market versions, these deluxe digestives from M&S are still good value compared with McVitie’s.

    Sweeter than some on test but in a rich, mellow and smooth way.

    Extremely tasty.

    Rating: 4/5

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    Lidl Tower Gate Digestives – 26 biscuits, 400g, 57p

    Lidl's version is cheap without compromising on flavour

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    Lidl’s version is cheap without compromising on flavourCredit: Damien McFadden

    A GREAT value option from Lidl without compromising on flavour – they taste rich and sweet.

    They also held up well during a cup-dunk.

    But a shame there were fewer in the pack than many other own-brand offerings.

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    Rating: 4/5

    Sainsbury’s Digestives – 28 biscuits, 400g, 70p

    Sainsbury's version had a milky and nice malty aftertaste

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    Sainsbury’s version had a milky and nice malty aftertasteCredit: Damien McFadden

    WITH a darker colour, these had a more wholesome flavour and were thick, offering a good crunch.

    The biccies also had a milky and nice malty aftertaste and paired well with a cuppa.

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    A quality product at a great price.

    Rating: 3/5

    Asda Digestives – 27 biscuits, 400g, 70p

    Asda's offering tastes great and they smell good too

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    Asda’s offering tastes great and they smell good tooCredit: Damien McFadden

    A GREAT-value offering with plenty to go round.

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    Sweeter than others on test, with an orangey hue and not very chunky, but the taste still hit the spot.

    These also had a lovely aroma too, which made it hard to stop at just one.

    Rating: 3/5

    Morrisons Digestives – 27 biscuits, 400g, 70p

    Morrison's digestives are thicker than some of the others, adding a pleasant texture

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    Morrison’s digestives are thicker than some of the others, adding a pleasant textureCredit: Damien McFadden

    A GOOD ratio of crumble to crunch that stood up well in the cuppa dunk.

    The flavour was pleasant too – not overtly sweet and with plenty in the packet.

    These were thicker than some of the others, adding a pleasant texture.

    Rating: 3/5

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    McVitie’s Digestives – 24 biscuits, 360g, £1.80, Tesco

    McVitie's digestives cost over £2 and have less biscuits in the packet

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    McVitie’s digestives cost over £2 and have less biscuits in the packetCredit: Damien McFadden

    AT well over a £1 more per packet than most supermarket versions, there are also fewer biccies, with only 24 inside.

    They are enjoyable – but ­paying nearly two quid for them left a rather bad taste.

    Rating: 2/5

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