View more on these topics

Brooks MacDonald Funds – UK Farming

Type: Closed-ended fund

Aim: Income and growth by buying UK farmland and farm buildings to establish a farming business for the production of cereal crops

Minimum investment: Lump sum £10,000

Investment split: 100% in UK farmland and farm buildings

Charges: Initial 5%, annual management fee based on 5% of the profits from each farming contract subject to a minimum of £5 for each acre, admin fee 1%, performance fee 10%

Commission: Subject to negotiation

Closing date: December 14, 2012

Contact: www.brooksmacdonald.com/funds

DISCRETIONARY FUND MANAGEMENT

SANLAM UK

Accel SRI Model: Yellow

Type: Model portfolio available through the Sanlam portal

Aim: Growth by investing in a portfolio of ethical/socially responsible investment funds managed to the Accel risk profiler’s yellow benchmark

Minimum investment: Lump sum £5,000

Investment split: 25% UK Government bond, 25% UK corporate bond, 20% cash, 15% UK equities, 12% developed market equities, 3% emerging market equities

Isa eligible:

Charges: Annual 1.05% plus 0.4% Sanlam portal product fee

Commission: Renewal 0.5%

Contact: https://www.sanlam-ip.co.uk

SANLAM UK

Accel SRI Model: Green

Type: Model portfolio available through the Sanlam portal

Aim: Growth by investing in a portfolio of ethical/socially responsible investment funds managed to the Accel risk profiler’s green benchmark

Minimum investment: Lump sum £5,000

Investment split: 22.5% UK Government bond, 22.5% UK corporate bond, 25% UK equities, 20% developed market equities, 5% emerging market equities

Isa eligible:

Charges: Annual 1.16% plus 0.4% Sanlam portal product fee

Commission: Renewal 0.5%

Contact: https://www.sanlam-ip.co.uk

SANLAM UK

Accel SRI Model: Blue

Type: Model portfolio available through the Sanlam portal

Aim: Growth by investing in a portfolio of ethical/socially responsible investment funds managed to the Accel risk profiler’s blue benchmark

Minimum investment: Lump sum £5,000

Investment split: 32.5% UK equities, 26% developed market equities, 16% UK Government bond, 16% UK corporate bond, 6.5% emerging market equities, 3% cash

Isa eligible:

Charges: Annual 1.24% plus 0.4% Sanlam portal product fee

Commission: Renewal 0.5%

Contact: https://www.sanlam-ip.co.uk

MORTGAGES

NATWEST INTERMEDIARY SOLUTIONS

Core Range: Two-Year Fixed Rate Buy-To-Let

Type: Fixed-rate buy-to-let mortgage

Fixed term: Until July 31, 2012

Fixed rate: 4.29%

Minimum loan: £15,000

Maximum loan: Up to 60% of valuation subject to a maximum of £500,000

Income multiples: Rental income must be at least 125% of the mortgage repayments calculated at 7% but for appliances earnings at least £50,000 a year, a reduced rental cover of 100% of the mortgage repayments at 7% will be considered, provided the remaining 25% can be met from their income

Conditions: Capital repayments of up to 10% a year allowed without penalty in the fixed-rate period, available only for properties in England, Scotland and Wales, up to 10 properties allowed with the RBS group within a total maximum of £3.5m

Arrangement fee: £1,999

Redemption fee: 3% of the amount repaid in the first two years

Introducer’s fee: Refer to lender

Contact: www.natwest.com/intermediarysolutions

NATWEST INTERMEDIARY SOLUTIONS
Core Range: Two-Year Tracker Buy-To-Let

Type: Buy-to-let tracker mortgage

Tracker term: Until July 31, 2012

Tracker rate: 3.49% above the Bank of England base rate

Payable rate: 3.99%

Minimum loan: £15,000

Maximum loan: Up to 60% of valuation subject to a maximum of £500,000

Income multiples: Rental income must be at least 125% of the mortgage repayments calculated at 7% but for appliances earnings at least £50,000 a year, a reduced rental cover of 100% of the mortgage repayments at 7% will be considered, provided the remaining 25% can be met from their income and that the applicant has less than three buy-to-let properties including the current application

Conditions: Capital repayments of up to 10% a year allowed without penalty in the tracker period, available only for properties in England, Scotland and Wales, up to 10 properties allowed with the RBS group within a total maximum of £3.5m

Arrangement fee: £1,999

Redemption fee: 3% of the amount repaid in the first two years

Introducer’s fee: refer to lender

Contact: www.natwest.com/intermediarysolutions

Recommended

Ex-Boris adviser Anthony Browne to head BBA

The British Bankers’ Association has announced Morgan Stanley’s Anthony Browne will become its chief executive in September. He is currently head of Government relations for Morgan Stanley for Europe, Middle East and Africa and was previously an economic and business adviser to London Mayor Boris Johnson. Browne will replace outgoing chief executive Angela Knight who […]

MPs press for wide-ranging cost-benefit reviews

The Financial Conduct Authority should be required to carry out retrospective cost-benefit analyses of regulation as well as more extensive analyses ahead of introducing new rules. The committee’s report into the Financial Services Bill says it has received a large amount of evidence from financial services firms questioning whether the benefits of many new regulations […]

Brokers say Govt lending scheme could see rates cut by 0.5%

The Government’s new initiative to help banks increase their lending levels could result in new mortgage rates dropping by up to 0.5 per cent, according to mortgage brokerage John Charcol. Speaking last night at his annual Mansion House address in the City of London, Chancellor George Osborne unveiled two stimulus plans which he said would […]

Rayner Spencer Mills: Why we rate the Artemis US Select Fund

Ken Rayner and Graham O¹Neill from RSM explain why they rate the fund, its investment process and how it can be used in a portfolio The Artemis US Select Fund became a RSM ‘rated’ fund earlier this year. In this video, Ken Rayner and Graham O’Neill explain the fund’s investment approach, why they rate it, […]

Newsletter

News and expert analysis straight to your inbox

Sign up

Comments

    Leave a comment

    Close

    Why register with Money Marketing ?

    Providing trusted insight for professional advisers.  Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.

    News & analysis delivered directly to your inbox
    Register today to receive our range of news alerts including daily and weekly briefings

    Money Marketing Events
    Be the first to hear about our industry leading conferences, awards, roundtables and more.

    Research and insight
    Take part in and see the results of Money Marketing's flagship investigations into industry trends.

    Have your say
    Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

    Register now

    Having problems?

    Contact us on +44 (0)20 7292 3712

    Lines are open Monday to Friday 9:00am -5.00pm

    Email: customerservices@moneymarketing.com