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Exclusive Connections launches cashback mortgages

Exclusive Connections is launching eight fixed-rate products with cashbacks funded by Bristol & West.

Clients who opt for a fixed-rate four year scheme with no cashback may borrow up to 90 per cent LTV at a rate of 6.97 per cent or 95 per cent at a rate of 7.30 per cent.

Alternatively they may choose either a two per cent cashback or a four per cent cashback with rates of 7.58 per cent and 8.18 per cent respectively at 90 per cent LTV.

Managing Director Barry Robson says: &#34Our menu approach gives intermediaries greater choice and flexibility allowing clients to select from the various options, depending on the level of cashback they require.&#34


Clerical Medical revamps sales team

Clerical Medical has announced plans to reorganise its sales arm following the retirement of its sales general manager David Arthur in November.The sales team will be divided by function into pure sales and business development.The new dedicated sales arm, headed by assistant general manager sales Graeme Riddoch, will concentrate on building IFA relationships, sales management […]

Derbyshire offers 7 per cent for 2 years

Derbyshire (Isle of Man)MANX BONDType: Two year fixed rate offshore building society bond.Minimum-maximum investment: £5,000 – £250,000.Place of registration: Isle of Man.Interest rate: 7 per cent gross.Term: Until October 31, 2000.Offer period: While funds last.Withdrawal penalties: Subject to 180 days&#39 loss of interest on amount withdrawn.Tel: 01624 663432.

Scottish Widows Int. offers portfolio management

OFFSHORE INVESTMENTSScottish Widows InternationalPRIVATE PORTFOLIO BONDType: Offshore bond designed to offer high net worth clients a portfolio management facility within a life assurance structure.Aim: Principally to achieve capital growth although income can be taken.Minimum investment: Pooled Portfolio – £50,000 or $75,000, Personal Portfolio – £75,000 or $112,500. Additions – £5,000 or $7,500.Place of registration: Jersey.Investment […]

A&L&#39s Guaranteed bond linked to FTSE Eurotop 100

GUARANTEED EQUITY BONDSAlliance & LeicesterGUARANTEED INVESTMENT BONDAim: To achieve capital growth linked to the performance of the FTSE Eurotop 100 stockmarket index.Minimum-maximum investment: £5,000 – £100,000.Term: Six years.Return: 100 per cent of the growth of the FTSE Eurotop 100 stockmarket index subject to a maximum of 80 per cent of the initial investment.Guarantee: 100 per […]


Britain's “Forgotten Army”: The collapse in self-employed pension membership – and what to do about it

Pension scheme membership among employees has risen by more than five million in the past four years because of the policy of automatic enrolment into workplace pensions. But Britain’s army of 4.4 million self-employed people, who account for one in seven of the workforce, are not covered by automatic enrolment. Pension coverage among the self-employed […]


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