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Broker-direct fixed-rate price gap widening

The price difference between the average direct and intermediary two-year fixed-rate mortgage has shot up by 69 basis points in the past year, says

The average intermediary two-year fixed rate is now 73 basis points more expensive than the average direct two-year fix, at 5.03 per cent and 4.3 per cent, respectively. A year ago, the gap between intermediary and direct two-year fixes was four basis points, at 4.51 per cent and 4.47 per cent respectively. The differential peaked at 85 basis points in March, when the average direct and intermediary deals were 4.05 per cent and 4.9 per cent respectively. The differential between two-year trackers is only 3bps compared with 4bps a year ago, with the average direct deal at 3.8 per cent and the average intermediary deal at 3.83 per cent.


Guardian picks Shalton for MD role

Guardian Wealth Management has appointed Marlene Shalton as managing director of its financial planning practice as the firm looks to expand. Former Bluefin Wealth Management IFA and current Institute of Financial Planning president Shalton will join Guardian on September 1. Guardian, an international IFA firm, is planning to open a UK headquarters in Cardiff this […]


What advisers are saying- reacting to global markets

As Europe’s daily soap opera unfolds with twists and turns a’plenty, the one thing we are consistently hearing is that it is time to get used to the new normal. Central bank intervention, on-the-hoof Government regulation, austerity, unemployment, deleveraging and systemic risk are here to stay but the backdrop is a fascinating combination of forces […]


FSA authorisation times up 13% since 2011

The time it takes for the FSA to authorise new financial services firms has increased by over two weeks since June last year. A freedom of information request filed by law firm Reynolds Porter Chamberlain reveals authorisation for new companies took an average of 19.6 weeks in the first three months of 2012. RPC says […]

UK gilts: Shaken and stirred

Mike Riddell, fixed income portfolio manager at Allianz Global Investors, reviews the performance of the UK government bonds market post-Brexit and assesses its future prospects, as well as giving his outlook for global fixed income markets and yields movements. In addition, he provides a brief analysis of the impact of Brexit and the Bank of […]


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