The buy to let market is becoming a more attractive market as the cooling of the residential property market combines with a possible future interest rate cut. Buy to let remains a medium to long term investment, with London and the South-east the most attractive market despite high prices. Savills Private Finance managing director Mark Chiltern believes that returns of 12 per cent per year can reasonably be expected. Chiltern says: “Structured the right way, the mortgage can be paid off by retirement, leaving an unencumbered income producing asset whose returns should track inflation.”
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Present imperfect
As I write this, I cannot help but wonder what IFAs are wish ing for this festive season. With just over four months to go until the most radical change in pension provision in the UK for a generation or more, stake holder business is sure to be top of the wish-list this Christmas. Like […]
The good, the bad and the mixed…
Aifa director general by Paul Smee“2000 was the year of the consultation paper. In battalions they came, sometimes two at once, thick with draft rules and questions. The good, the bad, the indifferent, and, most of all, the mixed. “The good. Some sensible stuff on risk-based regulation, a relaxation of over-prescriptive training requirements, a decent […]
Portman fix its sights low
Portman Building Society has brought in the 3.99 per cent fixed rate mortgage. The mortgage has a fixed rate of 3.99 per cent for loans of up to a maximum of 95 per cent of valuation for the first two years of the mortgage. After this period it reverts to the standard variable rate, which […]
IFA sets up Equitable crisis line
Alexander Forbes Financial Services, providers of advice on employee benefits, has set-up a crisis phoneline following the decision by Equitable Life to close to new business. The helpline is designed particulary for trustees and employers of schemes with 20 to 1000 members in small to medium size companies. They will be able to arrange a […]
White paper — Dubai International Insights
Jelf Employee Benefits discusses the legislative changes in Dubai, available medical facilities and policy considerations for employers with expatriate workforces in the country. This edition will be of particular interest to global human resource directors, compensation and benefits specialists and mobility managers who have employee populations in Dubai, or are considering operating there in the near future.
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Alan Hughes: The most important lesson from Berkeley Burke case
FCA must give greater consideration to where detailed rules would result in more effective regulation and better protection Last month saw Sipp provider Berkeley Burke lose its High Court appeal against the Financial Ombudsman Service. The appeal followed the Ombudsman’s decision against Berkeley Burke for failing to carry out adequate due diligence on an unregulated […]
Profile: Sheraton Financial Planning director not banking on future of pension freedoms
Sheraton Financial Planning director on dabbling governments and the growing retirement funding gap As an at-retirement specialist, Sheraton Financial Planning director Jason Eldrid works through the implications for clients every time the government decides to dabble in pensions. But mindful governments can change every five years, which is hardly conducive to a long-term strategy, Eldrid […]
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FCA confirms PI policies cannot exclude FSCS
Advisers’ professional indemnity policies will no longer exclude Financial Services Compensation Scheme claims, the FCA has confirmed today. Some current PI insurance policies have excluded the FSCS as a claimant, or exclude claims where the firm provider or fund has become insolvent. Following feedback from a July consultation paper however, the regulator confirms changes to its handbook […]