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Just thinking to myself [Just thinking to myself] When I was about 8, I discovered banks pay interest on deposits. I couldn't believe it - it was too good to be true - free money. Easy I thought, I just get lots of money and live off the interest. I couldn't understand how they could possibly...

So the worst case is you have a 5% interest fixed loan for N yrs. AND you get to choose whether you refinance it elsewhere or just give it back to the receivers. Who is taking the risks here - Derivex or me ? Who thinks the payoff of saving $100Ks interest by risking a $275 app fee is a...

I noticed nothing excessively onerous in the T&C. It certainly seems to be more straightforward than any bank mortgage I've ever read. I did noticed an problem (regarding insurance) with the one posted on Monday, but that has disappeared in the one I looked at yesterday. NB I have no legal...

Derivex PDS I just called them - they said send a request in by email & you'll get a PDS by email. [Edit]And this is the response I've just received - so it looks like the PDS is not yet available -