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The Times Mortgage Service: For the most competitive mortgage deals on the market, provided by the MarketPlace at Bradford and Bingley, call 0800-085 7567, or visit www.timesonline.co.uk/mortgageservice.

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Free Guides: For expert guidance on personal finance issues ranging from investing for income to retirement options, go to www.timesonline.co.uk/freeguides, or simply go to the Your Money section of The Times Online, at www.timesonline.co.uk.

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