"Whereas before I was surviving, now I'm living. There's a big difference." He said he can now afford to take his mum on holiday and can spend money on his nephews and nieces. "Things that I could ...

Barclays has become the second lender to cut mortgage rates to less than 4%. Following in Santander's footsteps, the bank launched a new 3.99% deal. The Premier five-year fixed product is ...