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Genesis Home Loans 2-year fixed

Genesis Home Loans, fixed mortgage

Fixed term: two years

Fixed rate: 4.99%

Minimum loan: £40,000

Maximum loan: £250,000

Income multiples: 3.25 + 1, 2.75 x joint

Arrangement fee: £325

Redemption fee: 6 months interest at SVR until 3/3/05

Conditions: no MIG, maximum LTV 102% first time buyers

Introducer&#39s fee: refer to packager

Tel: 01832 275 044


Regime has been under threat since inception

The FSA&#39s plans to scrap polarisation are just the latest attempt to dismantle the regulatory regime which has been under threat since its inception 14 years ago.The concept of polarisation first appeared in the statute books in 1986 as part of the Financial Services Act. It had been proposed by the Marketing of Investments Board […]

Treponin test tells the tale

Advances in medical science change the way that we are affected by certain illnesses and the way we diagnose them. These advances in turn affect critical-illness cover. One example is the growing use of troponin tests to help diagnose heart attacks and other illnesses of the heart.The current heart attack definition used in critical-illness policies […]

Govt interference means IFAs are now a dying breed

I have been in the financial services industry for 37 years, mostly as an employed IFA but since January 1996 as a partner in a provincial IFA in Kidderminster. I feel that I can no longer contain my anger and frustration as to how Governments of all political colours have interfered with our business over […]

Fund supermarket providers divided on change

Fund manager Fidelity has given the FSA plans for polarisation a qualified welcome although it plans to make a full response later when it has examined the proposals in detail.Fidelity executive directive of UK wholesale Robin Threadgold says: “We broadly welcome the philosophy of broadening consumer choice and the availability of advice.” But recently set […]


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