Advantages: Mutual society means cashback, excelletn customer care Disadvantages: Savings and mortgage rates are a bit average
Britannia is a mutual buildingsociety, with branches in most towns.
I have both a mortgage and a savings account with them and have been in several branches near where I live recently, for one reason and another, so I thought I'd tell you all about it!
THE MUTUAL BUILDINGSOCIETY
What this means is that Britannia are not a PLC, and beholden to their shareholders, they are a society owned by the members. so when they make a profit, they distribute a portion of that as fairly as possible to all the members. The way they have devised is a loyalty scheme, whereby once you've been a member for two years (with either a mortgage, a savings account, a credit card etc) you get your share of the profits via a points scheme. The more points you have, the more profit you get, up to a maximum of £500 a year. You accumulate points by having ...
Advantages: Good personal service and good rates Disadvantages: No branch in my hometown of Walsall
About four years ago I received the annual statement from Sun Life Assurance regarding my mortgage endowment and, being an accountant, I did a few calculations to see roughly what the final figure would be at the end of the term. I was horrified by what appeared to be quite a shortfall in endowment to mortgage outstanding!
Since the returns from the policy were not going to be enough to pay off the mortgage at the end of the term I had a choice to either take out a further policy or change my mortgage. I decided to change my mortgage from an endowment mortgage to a repayment mortgage. I shopped around and found that the best deal would be with the BritanniaBuildingSociety, as they would give me a discounted interest rate whilst I remained a member of my trade union, Unison.
I have also continued paying my policy with Sun Life ...
Advantages: Carell plays his role as virgin perfectly Disadvantages: Band Camp is an awful stand alone film
What do you get when you cross American Pie 4 with the 40 Year Old Virgin? A very uneven boxset. These films are both classed as sex comedys, however whilst the 40 YOV achieved something American Pie: Band Camp is just a money spinner. Lets start at the good end...
Like a virgin, touched for the very first time. Only Madonna was singing about the emotions, and Steve Carell plays the living, breathing, 40 Year Old Virgin in this movie of the same title. Carrell, who you maybe familiar with for his appearance in Anchorman, plays Andy Stizer. Whilst Andy has tried to have sex in the past it has never gone his way, ruining situations by kicking girls with foot fetishes in the face, only to just give up. This movie follows him as his work colleagues become his friends and try to get him laid for the first time, and we follow Andy on his ...
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