He wanted them to raise the small boy whose birth certificate identified him as Stephen Quinn’s

He wanted them to raise the small boy, whose birth certificate identified him as Stephen Quinn’s son, and the child with whom she was now pregnant. In August, she went to Mr Blunkett’s London home for the grim conversation that ended their relationship. Oddly, so her friends say, when she tried to use her electronic key that would have opened the barrier and allowed her in through the back door, it did not work She used the front door. The News of the World story, a few days later, was illustrated by her photograph at Mr Blunkett’s front door.There was a witness to this conversation, Jonathan Sedgwick, Mr Blunkett’s principal private secretary, who is also an honorary priest at St John’s Church, Dulwich, south London, who is said to have helped to calm a very distressed Home Secretary.The next day, Mr Blunkett phoned Mrs Quinn to tell her that the News of the World had learnt of their affair. Using up this and next year’s tax allowances, they could shelter as much as £12,000 from tax this way. Ms Sofat and Mr Modray both suggest that the Sadlers look at an offset mortgage They have healthy levels of savings.

An offset mortgage earns the equivalent of the mortgage rate on any savings, and this is tax-free.Ms Bowes points out that although the Sadlers are paying the standard variable rate, Nationwide’s is one of the most competitive. Abbey offers a market-leading interest rate of 5.35 per cent.But Mr Sadler’s NatWest current account pays just 0.1 per cent interest. Mrs Sadler’s Lloyds TSB and the couple’s Cahoot account pay significantly more but, says Ms Bowes, still less than they could earn by moving much of the money to a savings account. Alliance & Leicester pays 5.35 per cent gross for its online account.Ms Sofat says that although the Sadlers have few debts, they should pay off the car loan, if they can using some of their cash. However, hire purchase agreements often have early-repayment penalties, so they should check this first.MORTGAGE & PROPERTYIf the Sadlers remortgaged now, any short-term savings on the interest rate could be swallowed up by valuation and legal fees when they come to move in a few months’ time.

Will £500 for student loan and Annwen £3,000.Property: Two-bed terrace; mortgage of £86,000 on Nationwide variable rate.Savings: Cahoot £10,100 Lloyds TSB £15k. Natwest current account £7,700.Investments: New Star technology fund £457.03 and shares in other firms.Pension: Annwen, NHS scheme. Will, Scottish Mutual at £195 per month.SAVINGS AND DEBT The Sadlers want to make their cash savings work harder, but still have the money to hand for their planned move.Mr Modray says that the couple could move some of their savings into cash Isas to maximise the interest they earn. On “mature” machines (installed for nine to 12 months), it is making £2.10 a day, a 55 per cent operating margin, before depreciation. The company also has great potential overseas, especially in the US. Patientline shares remain attractive.EXPROExpro International Group provides technology to the booming oil-production sector.