In this week's show: Bradford & Bingley - is the buy-to-let lender an investment in ruins or an investment opportunity? Mortgage rates - why the best deals are to be found not on the high street but in the oak-panelled halls of the private banks; why a so-called variable annuity can actually give you more certainty in retirement; and good and bad news on managing your credit card bills. For information regarding your data privacy, visit acast.com/privacy