IT consultancy Capgemini decided to offer a financial education package to employees after its HR department received numerous requests for help with financial queries, especially about mortgages.Many of the firm's 6,500 employees are based at client sites spread throughout the UK. In order to fit in with their working patterns, it was decided that HBOS would provide work-based seminars.

These tend to cover the types of mortgage available, an overview of the housing market, interest rates and HBOS' economic forecast.

Employees could also make appointments for face-to-face advice with an HBOS adviser. About 350 employees took advantage of the offer, resulting in around £2m worth of mortgage advances.