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FSA responds to Miles review

The FSA it will consider carefully the recommendations made by David Miles in his review of long term fixed interest rates.

FSA director of high street firms Sarah Wilson says with the introduction of statutory regulation of the mortgage market on 31 October 2004, the FSA will implement reforms to improve the functioning of the market and will press ahead with these as planned.

Wilson says: “David Miles has provided a comprehensive analysis of the UK mortgage market. We welcome the objectives he identifies for the market.


Pension details needed to maximise extra time

The headline news out of the Budget will be that the Government has listened to the industry and realises that time will be required if we are to implement retrospective pension changes properly. It is particularly important that people affected adversely by the changes are able to receive appropriate advice and that pension providers and […]

Dead cert

A literary birdy has drawn the Diary&#39s attention to Tom Stoppard&#39s play, Rosencrantz and Guildenstern are Dead. It seems that the part of Polonius was originally played in the play&#39s premiere at the Edinburgh Fringe in 1966 by a thespian named Walter Merricks, curiously sharing his name with the FOS chief ombudsman. The Diary has […]

UCB Home Loans – Self-Cert &#45 2-Year Flexible Fixed

Type: Fixed-rate self-cert mortgage Fixed term: Two years Fixed rate: 5.29% Minimum loan: £25,001 Maximum loan: Up to 85% of valuation subject to a maximum of £350,000, up to 75% of valuation subject to a maximum of £500,000, up to 65% of valuation subject to a maximum of £750,000 Income multiples: 3.25 times principal income […]

SLI launches global corporate governance platform

Standard Life Investments is this year launching a global corporate governance platform, involving portfolio managers in Edinburgh, Hong Kong, Boston and Montreal. The platform will build shareholder activism and governance into Standard&#39s global investment processes. The platform was unveiled at the National Association of Pension Funds&#39 annual investment conference in Edinburgh. Standard Life Investments head […]

HMRC helping to remove artificial gains

An investment bond offers investors certain tax advantages, one of which is the ability to take partial surrenders from the investment. This facility allows the policyholder to withdraw amounts up to 5% of the amount invested each policy year on a tax deferred basis, without incurring any immediate tax liability. This tax deferred allowance can […]


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