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Aifa draws line on responsibilities

Aifa warns there must be a clear line between provider and adviser responsibilities, with providers not intruding into the client-adviser relationship, creating competitive distortion or threatening independence of advisers through distributor selection.


Survival at stake for sub-prime lenders

Kensington Group chief executive John Maltby has questioned whether some sub-prime lenders can survive due to the “unsustainable” nature of products on offer.The head of the UK’s first adverse lender had added his voice to the growing number concerned about the sector. It follows claims by lender Rooftop last week that too many lenders in […]

Base ball hits home run

Interest rates With one rise already this year and more on the way, Helen Pow reports on the market effects as base rate increases.

Are the kids all right?

Few people believe Child Trust Fund Week will make much impact on a public that is largely financially illiterate, says Helen Pow.

Scheme pays explained

By Fiona Hanrahan, senior product insight and technical support analyst We’ve received lots of queries on scheme pays and when it can be used. This article explains how it works and the conditions which apply. What is ‘scheme pays’? If an individual exceeds the annual allowance (AA) and an AA tax charge is due, they […]


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