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Genesis Home Loans 2-year fixed

Genesis Home Loans, fixed rate mortgage

Fixed term: 2 years

Fixed rate: 5.45%

Minimum loan: £25,001

Maximum loan: £250,000 – up to 90% LTV

Income multiples: 3.25 +1 , 2.75 x joint

Arrangement fee: £325

Redemption fee: 6 months interest at SVR during fixed period

Conditions: max 80% LTV first time buyers

Introducer&#39s fee: refer to packager

Tel: 01832 275 044


UK chief leaves Gartmore

Gartmore head of UK retail Michael Wrobel has left the firm as part of a top-level management restructure.Wrobel, who had been at Gartmore for seven years, will be replaced by NatWest Private Banking managing director Paul Feeney. Before working at NatWest, Feeney was global marketing director for the Coutts Group.Gartmore has appointed two more directors […]

FSA claims trees take place of IFAs

The FSA admits the 1 per cent cap is damaging the IFA channel by cutting income and driving advice out of the market.It says the cap for stakeholder and Cat standards “is leading to a squeeze on revenue in cash terms per sale” for IFAs.This follows the decline in direct salesforces, “consumer demand for independent […]

Pru charges into with-profits

Prudential has designed a version of its prudence bond which has no initial charges and rewards investors who do make any withdrawals with an additional bonus of 0.25 per cent a year.The Prudence bond offers investors the choice of two with-profits options. The optimum return fund focuses on stocks and shares, while the optimum bonus […]

AITC gives tentative welcome to proposals

The AITC has given a tentative welcome to the FSA&#39s consultation on polarisation, applauding the paper&#39s radical nature.Director-general Daniel Godfrey says he was particularly pleased to see the unbundling of the cost of advice from product charges on the paper&#39s agenda.Previously, the AITC has been a staunch supporter of the current polarisation regime. But Godfrey […]

Neptune India: three stocks we’re buying & the one we’re not

By Kunal Desai, Head of Indian Equities The Neptune India Fund’s investment process serves as a key differentiating feature of the portfolio versus its peers, contributing to its significant outperformance under Manager Kunal Desai’s tenure. Focusing on industry disruption, accounting quality, liquidity and corporate governance, Kunal sets out three stocks that he’s buying in the […]


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