Money Marketing
24 November 2004
-
£795k cost of BBB failed merger
25 Nov 2004
-
10% annual charge for NU non-stakeholder pension
25 Nov 2004
Norwich Union is charging 10 per cent on the first five years' premiums for its price-busting non-stakeholder pension for the full advice market.
-
A&L sticks to its principals
25 Nov 2004
-
A&L gives 85 per cent of online mortgage applications a DIP in 60 seconds
24 Nov 2004
Alliance & Leicester confirms 85 per cent of all its online mortgage applications submitted by mortgage intermediaries receive a decision in principle within 60 seconds.
-
Abbey brings back range of flexible mortgages
25 Nov 2004
Abbey is reintroducing its flexible plus mortgage range after having to suspend the products in the run-up to M-Day.
-
ABI welcomes FSA depolarisation rules
29 Nov 2004
-
Advantage Home Loans reassures brokers of its position following Watchdog report
24 Nov 2004
-
Advisers and lenders must work together on depolarisation says Standard Life Bank
30 Nov 2004
-
Advisers angry after Aifa rules out IFA applicants for top job
25 Nov 2004
-
AIFA's view - Paul Smee
25 Nov 2004
This is my last attempt at a column. There is much which I will miss about the IFA sector and it has been a privilege to represent (most of) the IFA community for five years.
-
Allocation, allocation, allocation
25 Nov 2004
Modelling tools can shine a light into the vital area of setting an asset allocation strategy for IFAs.
-
Amber Homeloans urges intermediaries to use its KFIs for guaranteed accuracy
29 Nov 2004
-
Assureweb poaches Exchange ex-clients
25 Nov 2004
IFA portal Assureweb says it is developing multi-tie solutions for a number of former clients of rival The Exchange.
-
Axa Life looks forward to depolarisation
30 Nov 2004
Axa Life says it looks forward to depolarisation and helping IFAs make the right choices for their businesses.
-
Bankhall's multi-tie plans delayed
25 Nov 2004
Bankhall's plans to launch a multi-tie have been delayed because of mortgage regulation while its profits have slumped since last year.
-
Banks get an ultimatum from the FSA
25 Nov 2004
The FSA has launched a blistering attack on the way that banks incentivise their sales forces to sell volumes of products without suitable advice.
-
Baring Asset Management - Baring Directional Fund (Euro)
25 Nov 2004
-
Baring Asset Management - Baring Directional Fund (US$)
25 Nov 2004
Baring Asset ManagementBaring Directional Fund (US$)
-
Baring gives directions
25 Nov 2004
Baring Asset Management has created the Baring Directional Fund (Euro) and Baring Directional Fund (US$) to give international investors access to the investment strategy used in the sterling dominated directional global bond trust.
-
BBB boosts profit and productivity
25 Nov 2004
Despite losing advisers, Berkeley Berry Birch IFA group has achieved a profit in the last six months and increased productivity.
-
Bee believes annuity rule set for KO
25 Nov 2004
The House of Commons may have overturned the Lords' vote against compulsory annuitisation at age 75 but the issue will take centre stage when the Pensions Commission delivers its final report says pension guru Steve Bee.
-
Berkeley Jacobs' unlocking business shut
25 Nov 2004
Irish financial services giant IFG is pulling troubled subsidiary Berkeley Jacobs Financial Services out of pension-release business in an attempt to limit further losses.
-
BM Solutions launches new self-cert mortgage deals
26 Nov 2004
-
Bolton staying with BM Solutions
25 Nov 2004
BM Solutions director of mortgages Michael Bolton confirms he is not leaving the lender after speculation he would be taking a post with Countrywide Financial.
-
Booming demand for mortgage training courses
25 Nov 2004
Mortgage distribution group First Mortgage Options says it has been inundated by demand for Cemap training courses since M-Day.
-
Boulger on Mortgages
25 Nov 2004
Some lenders whose KFIs weren't available online on M-Day have got their act together but many still don't offer this facility and there are still no-go areas. Portability is a particular problem, with most lenders unable to produce an online KFI when a product is ported and some not able to produce one manually.
-
Brewin Dolphin Securities - Ventus VCT
24 Nov 2004
Brewin Dolphin SecuritiesVentus VCT
-
Bristol & West Mortgages - Two Year 1.85% Discount
29 Nov 2004
Bristol & West MortgagesTwo Year 1.85% Discount
-
Britannia launches 10 year fixed rate mortgage
24 Nov 2004
Britannia Building Society is launching a new 10 year fixed rate mortgage at a rate of 5.39 per cent up to 95 per cent LTV.
-
'Brokers can refine equity-release process'
25 Nov 2004
Refinement of the sales pro-cess for equity-release products and the identification of tax and benefits will bring a boost for brokers, intermediaries were told at Expo 2004 last week.
-
'Cash for children should be put into emerging markets'
25 Nov 2004
Jupiter Unit Trust Managers chief investment officer Edward Bonham Carter says he bel-ieves investors should be putt-ing cash for their children into emerging markets.
-
CBI pledges to fight future business tax rises
29 Nov 2004
-
Charcol unchained
25 Nov 2004
-
Commentary: Multiple choice
25 Nov 2004
Much has been said about the multi-tie market but how will distribution change after the ending of polarisation?The models being discussed seem to include five or six of the biggest providers in the UK, who represent more than 70% of the market.
-
Consumers could be confused, says IFAP
29 Nov 2004
-
Correspondent's View
25 Nov 2004
-
DB firms foresee funding problems
25 Nov 2004
More than three-quarters of employers with final-salary pensions expect to face future funding difficulties, according to the NAPF's latest annual survey.Ten per cent of private sector final-salary schemes closed to new members in 2004 compared with 26 per cent in 2003 and 19 per cent in 2002.
-
Definition of independence for mortgage broking
25 Nov 2004
-
Depolarisation may force some advisers out of market - FSA
29 Nov 2004
-
Equitable •E&Y to go to court
25 Nov 2004
-
Ex-Coutts chief executive to be John Scott chairman
25 Nov 2004
Former Coutts & Co chief executive Andrew Fisher has been appointed chairman of John Scott & Partners,Fisher, who is credited with turning round the fortunes of Coutts from a loss-making operation to a profitable business, joins the wealth management firm to lead further growth of John Scott.
-
Felton move to lift M&G
25 Nov 2004
IFAs believe that the coup of signing Mike Felton will breathe life into the M&G UK equity range.
-
Few IFAs plan to sell new child trust funds
25 Nov 2004
IFAs have welcomed the launch of child trust funds, although few have committed to selling them.
-
Fifth fall for property prices
25 Nov 2004
-
Financial firms are failing on fairness
25 Nov 2004
Financial services companies are failing to meet the FSA's requirements for Treating Customers Fairly according to the latest research from consultancy PricewaterhouseCoopers.
-
Flintoff bowls over C&G as its man of the year
25 Nov 2004
Lancashire and England cricket all-rounder Andrew Flintoff has scooped Cheltenham & Gloucester's Man of the Year award.
-
Fof chief hits out at average aim
25 Nov 2004
Jupiter head of fund of funds John Chatfeild-Roberts has hit out at multi-managers who claim to settle for consistently average performance.
-
Founders are poised to buy back Charcol
25 Nov 2004
Charcol's co-founders look set to buy back the firm in the first week of December.
-
FSA averts an identity crisis
25 Nov 2004
I recently had a rather strange experience while reading a document from the FSA.
-
FSA publishes final rules for depolarisation
29 Nov 2004
-
FSA says no to grace periods for ARs
25 Nov 2004
The FSA has ruled out authorisation grace periods for appointed representatives but has opened the door for IFA firms to sign up advisers left in the lurch if rival networks collapse.
-
FSA to educate consumers about menu
29 Nov 2004
-
FSA will review depolarised market within two years
29 Nov 2004
-
Get the facts before joining a network
25 Nov 2004
-
Halifax comments on depolarisation
29 Nov 2004
-
Halifax lobbies for property tax reform
29 Nov 2004
-
Hatch quits after split at Penrose
25 Nov 2004
Penrose Financial Public Relations founding partner Louise Hatch has left the group following a series of boardroom disagreements.
-
Hatching revenge
25 Nov 2004
-
Hip operation
25 Nov 2004
The Government is pressing ahead with the controversial home information packs.
-
Huntswood launches a mortgage endowment compensation calculator
25 Nov 2004
Huntswood Outsourcing is launching an endowment compensation calculator which it says will reduce the cost implication to the industry by over 90 per cent.
-
IFA firm in buyout deal for advisers set to retire
25 Nov 2004
Bright Grey products dir-ector Roger Edwards bel-ieves reviewable definitions for critical-illness cover are not consumer-friendly and will lead to over-complicated definitions.
-
IFA to talk with FSA on restitution
25 Nov 2004
-
IFAs asked for views on impact of depolarisation
25 Nov 2004
IFAs are being asked to voice their opinions on the future of the industry under new FSA regulations at a series of Origo workshops.
-
IMA thinks depolarisation will encourage advice
30 Nov 2004
-
Independent View
25 Nov 2004
There will not be enough people working and paying taxes to support the Government pension promise, says Tony Byrne.
-
Investment view
25 Nov 2004
There is suddenly optimism about the outlook for equities but it is based on a thin foundation.BRIAN TORA
-
Investors say reward fund managers for performance
25 Nov 2004
Investors have told the AITC that they want to see more managers rewarded for good performance.
-
JOHCM puts C in VCT
24 Nov 2004
JO Hambro Capital Management is looking for up to 5m for a C share top-up issue for the leisure & media venture capital trust.
-
Jones to leave Gartmore in restructure
25 Nov 2004
-
JPMF wants to break free
26 Nov 2004
JPMorgan Fleming has established the JPMF Europe dynamic (ex-UK) Fund, an Oeic that invests in a portfolio of 50-100 European stocks.
-
Keegan leaves Barclays
25 Nov 2004
Barclays Financial Planning commercial director Alan Keegan has left the firm.
-
L&G picks White for fixed-interest fund
25 Nov 2004
-
L&G Mortgage Club launches 10 year fixed rate loan
24 Nov 2004
Legal & General Mortgage Club is offering an exclusive fixed rate loan from Norwich & Peterborough with a rate of 5.44 per cent fixed for ten years.
-
Langham in a spin
25 Nov 2004
-
Leeds & Holbeck new BTL mortgage
29 Nov 2004
-
Make the network for you
25 Nov 2004
-
Marlborough Reads prospects for fixed interest
29 Nov 2004
Marlborough Fund Managershigh Yield Fixed Interest Fund
-
MassMutual to buy BAM
25 Nov 2004
-
McFall forum to bring back confidence
25 Nov 2004
-
Menu costs will be passed back to consumer- Which
29 Nov 2004
-
Millfield may ditch Sirius
25 Nov 2004
IFA Millfield is reviewing its relationship with financial software company Sirius and is believed to be dropping the company altogether.
-
Misselling fear over two-year fixes and overhangs
25 Nov 2004
Two-year fixed rates and ext-ended overhangs could leave mortgage intermediaries facing misselling claims, according to experts at the Mortgage Business Expo 2004.
-
'Mix and match loans are winners over overhangs and long fixes'
25 Nov 2004
Hamptons International Mortgages has set out what it thinks will be product winners and losers for the mortgage market in 2005.
-
Mortgage Trust offers BTL 2 year fixed with Savills Private Finance
25 Nov 2004
Mortgage Trust, the specialist buy-to-let lender introduces a two year fixed rate BTL product exclusively to Savills Private Finance.
-
Mortgages Direct says it will not be bullied into using KFIs
25 Nov 2004
Mortgages Direct director Peter Gladdy says the finan-cial services arms of estate agent Spicerhaart will not be "bullied" into using mortgage lenders' KFIs.
-
Mountain high...
25 Nov 2004
-
Multi-Manager view
25 Nov 2004
The question of how best to run multi-manager portfolios has become a topic of great debate. Led by a particular group of multi-managers, it suggests that providing top-quartile returns is a risky strategy.
-
Network Edge: John Hayden
25 Nov 2004
Choosing the right network first time will prove the most cost-effective choice in the long term. Stick with well-established ones and be wary of fringe operators who come into the market without the resources to carry on.
-
Network Edge:Ken Davy
25 Nov 2004
Networks are no longer adding value to IFA firms, rather they add costs and complexity while doing nothing to enhance the IFA's adviser-client relationship. Networks are now proving to be the dinosaurs of the industry.
-
New Star assets under management top 5bn
25 Nov 2004
New Star Investment Funds has topped the 5bn mark for retail assets under management after only three years in operation.
-
No rush to make D-Day decisions
25 Nov 2004
Next week's D-Day may have been dubbed depolarisation day but it does not have to stand for decision day.
-
Noble & Company - UniVen VCT
24 Nov 2004
Noble & CompanyUniVen VCT
-
Norwich Union warns loan advisers over cold-calling
25 Nov 2004
The specific risk areas for mortgage intermediaries in a regulated world are lead generation, suitability and initial disclosure documents, says Norwich Union technical manager (mortgage development) John Whitehead.
-
NU extends money back guarantee
29 Nov 2004
-
Old Mutual eyes UK life firms with 1bn war chest
25 Nov 2004
Old Mutual has its sights on a UK life insurer as it looks to spend a 1bn war chest to build its market share.
-
Online platform for Lighthouse
25 Nov 2004
-
Out of context
25 Nov 2004
-
Paul Evans
25 Nov 2004
Axa Sun Life's chief executive has brought the firm's protection products to the market bang on time and he hopes to provide brokers with flexibility but he believes that multi-ties are inevitable.
-
Pensions need to be made simple
25 Nov 2004
-
Planning for D-Day
25 Nov 2004
With the FSA unveiling the rules for the depolarised market on Decem-ber 1, we ask leading industry figures how this will affect advisers.
-
Platform joins The Mortgage Alliance's panel of mortgage lenders
26 Nov 2004
-
Platinum hedge offers minimum 30k investment
25 Nov 2004
Platinum Capital Manage-ment has created a multi-manager hedge fund of funds with a minimum investment level of 30,000 - half the amount it usually sets for its products.
-
Product Matters
25 Nov 2004
-
Protection advisers playing regulation catch-up
25 Nov 2004
Protection advisers are not prepared for regulation in January and must catch up with other sectors to avoid misselling, says Mortgage Portfolio Services mortgage planner Simon Chalk.
-
Protection products to be excluded from menu
29 Nov 2004
-
Provider investment in advisers only on commercial basis - FSA
29 Nov 2004
-
Pru and NU tell policyholders to go back to S2P
25 Nov 2004
Prudential and Norwich Union are telling hundreds of thousands of policyholders they are better off opting back into the state second pension.
-
Renewal help from Schroders
25 Nov 2004
Schroders multi-manager team will help IFAs get to grips with justifying renewal commission and outsourcing investment advice.
-
Rennison joins Thinc to set up multi-ties
25 Nov 2004
Multi-distribution platform Thinc has appointed former Bradford & Bingley Group financial services director Roderic Rennison as group operations and strategic relationships director.
-
Retail fund business hits an eight-year low
25 Nov 2004
Net retail fund sales in the third quarter slumped to their lowest level since 1996, according to the Pridham report.
-
Rules are a missed opportunity - AITC
29 Nov 2004
-
Sarasin Chiswell - Sarasin CI Global Property Fund
26 Nov 2004
Sarasin Chiswell Sarasin CI Global Property Fund
-
Schroder chief tells IFAs to warn on recovery risk
25 Nov 2004
IFAs must avoid misselling by making clients fully aware of the risks in investing in the new Schroder recovery fund, says manager Ben Whitmore.
-
Schroders - Schroder Recovery Fund
30 Nov 2004
-
ScotFriendly joins CTF band
25 Nov 2004
Scottish Friendly joins a handful of other firms which have opted to offer the Government's child trust funds.
-
Secret service
25 Nov 2004
The protection business has been left reeling after the Financial Ombudsman Service refused to reveal details of a critical cover case.
-
Sesame leads our Super League
25 Nov 2004
Sesame is ranked the highest-earning IFA company, according to IMAS Corporate Advisers' latest research.
-
Small networks fail on AR aims and look for mergers
25 Nov 2004
Small mortgage networks that have failed to gain enough appointed representatives are already looking at mergers and acquisitions in a bid to stay afloat.
-
Standard Life cuts 126 jobs from its IFA sales support team
25 Nov 2004
Standard Life confirms it will be cutting 126 jobs from its intermediary sales division and sales-related support team.
-
Standard slashes individual stakeholder commission
25 Nov 2004
Standard Life has slashed its individual stakeholder commission, introducing minimum qualifying premiums and terms and scrapping intermediary single-premium and transfer remuneration.
-
Surplus to requirements
25 Nov 2004
-
Swip feels 100 per cent
30 Nov 2004
Scottish Widows Investment Partnership has designed a property fund for high-net-worth investors which can invest up to 100 per cent directly in commercial property.
-
Talkback
25 Nov 2004
Are you committed to keeping your firm independent as the FSA introduces new rules that will allow multi-ties?
-
Tenet claims gain of 300 advisers
25 Nov 2004
-
The fog of pensions
25 Nov 2004
The Parliamentary Ombudsman is to probe Whitehall pension policy decisions and the outcome could be billions in compensation for occupational scheme members.
-
Tillinghast urges FSA to take risk/ reward approach
25 Nov 2004
Tillinghast is lobbying the FSA to introduce projections that better illustrate the risk/reward profile of different asset mixes to consumers.
-
Tilney Investment Management - Opal Tailored Solutions Series 2
26 Nov 2004
Tilney investment ManagementOpal Tailored olutions Series 2
-
Tom Baigrie on protection
25 Nov 2004
How many times have you had to make a call or arrange a new meeting with a client to tell them of an unexpected loading, exclusion or decline? The way to avoid it is to set their expectations properly at outset you have to know quite a lot about underwriting.
-
Tough times for technology
25 Nov 2004
Technology stocks look set for a rocky 12 months although value can be found in specific companies, fund managers claim.
-
Trade bodies attack FSA's WP proposals
25 Nov 2004
Trade bodies are warning that the FSA's amended with-profits proposals are grossly unfair and will punish investors who hold policies until maturity.
-
UCB excels at self-cert
30 Nov 2004
CB Home LoansSelf-Certification 3 Year Flexible Fixed
-
UCB Home Loans - Buy-to-Let 5 Year Flexible Fixed
29 Nov 2004
UCB Home LoansBuy-to-Let 5 Year Flexible Fixed
-
UniVen captures the future
29 Nov 2004
Noble & Company is sponsoring the UniVen VCT, a venture capital trust that invests in university spin-out companies and other early stage intellectual property based companies in the technology sector.
-
VERITY's view
25 Nov 2004
What counts with the PPF, we now learn, is not when the employer goes bust but when the pension scheme winds up.
-
Wake-up call
25 Nov 2004
Our panel of experts give their views on why lenders were not ready for M-Day and if there should have been a transitional period.
-
What went wrong?
25 Nov 2004
Helen Monks investigates the problems that beset the mortgage industry on M-Day.
-
Who will launch on the multi-tied?
25 Nov 2004
Next week, the FSA publishes multi-tie rules singnalling the end of the polarisation era. How long will it be before multi-tie operations launch and who will be setting them up?Alison Bone looks at the depolarisation plans for the key industry players.
-
Will regulation drag down lending?
25 Nov 2004
Since the start of mortgage regulation, both lenders and intermediaries have reported the problems they have suffered with key facts illustrations and other aspects about processing mortgages.
-
Winterthur gets set to widen its Elite range of funds for 2005
25 Nov 2004
Winterthur multi-manager is planning to extend its range of Elite funds in the new year.
-
Young shun company pensions
25 Nov 2004
Younger employees are failing to save for their retirement, according to Aon Consulting.
-
Zurich equity stakes are high for multi-tie
25 Nov 2004
Zurich's decision to offer advisers equity participation in a multi-tie business it plans to launch in the New Year has refocused attention on ways of incentivising intermediaries.
