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The overall arrears rate in the third quarter was the same as in the second quarter, with 0.84 per cent of all mortgages recording arrears equivalent to more than 2.5 per cent of the mortgage balance, according to the Council of Mortgage Lenders.

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Over half of people in Scotland do not believe they do enough to save energy at home and are being hit in the pocket as a result, according to new research.

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