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Freedom adds Mortgage Promotions to distributor panel

Freedom Finance is adding Mortgage Promotions to its panel of distributors, which includes Mortgage Force, Mortgage Next and Pink Home Loans.

Freedom says the scrapping of traditional restrictive income multiples in favour of a more sensible affordability calculation has proved popular with brokers. The firm says the other key features of its product range are individual underwriting of all cases, interest rates which track Bank of England base rate, self-cert available up to 90 per cent LTV and no MIG on prime products.

Mortgage Promotions managing director Nick Baxter says: “Freedom&#39s common sense approach to affordability gives both brokers and borrowers greater flexibility and product choice.”


ScotLife adds online fund switching for Solutions

Scottish Life is offering online fund switches for members of its Retirement Solutions range of group pensions. Users can switch current fund values, redirect future payments or both. Retirement Solutions offers a range of external funds within a 1 per cent cap. The system allows entrants to existing schemes to be added online. There is […]

LIA&#39s view

It has been interesting to read letters in Money Marketing about the proposed merger between Sofa and the LIA. It was suggested in one of the letters that size is not that important when it comes to representation. I just do not accept that size is not a factor. If any association is able to […]

Nvesta – Safety Net Income Plan 2

Type: Capital-protected bond Aim: Income linked to the performance of the FTSE 100 index Minimum-maximum investment: £5,000-no maximum, Isa £7,000 Term: Five years Return: 5.6% a year net of basic rate tax Guarantee: Original capital returned in full provided index does not fall by more than 40% and fails to recover to at least its […]

Get into training

I recently visited some clients to discuss options for constructing a broadly-based portfolio of investments for mediumto long-term growth but, eventually, for income. Their risk profiles ranged from two to nine on our notional scale of one to 10, so I thought it might be appropriate to consider a with-profits bond for some of the […]


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