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• We look for wagering requirements between 40-60x the bonus but good wagering requirements can be difficult to find.
• As I said, casinos will only offer big amounts to VIPs or under heavy restrictions.
• Deals at 90percent loan to value have been slashed by up to 0.3 percentage points and start from 5.09percent for a five-year fix.

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A number of other lenders, including Nationwide, Virgin Money, Santander and NatWest, have all cut five-year fixed rates to below 5percent. First Direct has cut all two, three and five-year fixed rates for new and existing customers by up to 0.2 percentage points. TSB has cut fixed rates for new residential and BTL customers by up to 0.2 percentage points. At the same time Virgin will offer a five-year fixed rate for remortgage at 4.85percent (60percent LTV) with a 995 fee. TSB is cutting selected two and three-year fixed rates for new borrowers by up to 0.5 percentage points as it wades into the ongoing mortgage price war. LendInvesthas cut fixed rates by up to 0.45 percentage points and reintroduced a five-year fixed rate at 90percent loan to value at 6.29percent.

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The lender has withdrawn a range of broker exclusive purchase and remortgage deals and relaunched with new rates. Its five-year fixed rate for remortgage has gone up from 4.90percent to 4.95percent for example, but the new deal offers free valuation and 250 cashback. It has also cut selected buy-to-let purchase and remortgage deals for new customers, available through brokers.