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Get a Grip with houseSAFE




Type: Mortgage payment and income protection policy offering six months&#39 free unemployment cover.

Maximum benefit: Whichever is the lower of £1,500 or 75 per cent of gross monthly income.

Benefit payment term: For free unemployment cover – six months. If cover continues after free initial period – 12 months.

Deferred period: 30 days.

Premium: Depends on level of cover required – for first six months&#39 – mortgage payment only – unemployment cover is free, unemployment & disability cover – £2 per £100 of cover, for additional income protection- unemployment cover – £3.50 per £100 of cover, unemployment & disability – £5.50 per £100 of cover. After initial six months&#39 free period – unemployment cover – £3.50 per £100 of cover, unemployment & disability cover – £5.50 per £100 of cover.

Commission: Initial – 20 per cent, renewal – 20 per cent.

Tel: 0171 264 2012.


First Mortgage launches 3.99 per cent fixed rate

First Mortgage Group is launching a three-year fixed-rate mortgage at 3.99 per cent.The minimum loan is £27,500 and maximum is £250,000. A maximum of 90 per cent loan to value is available. There is no compulsory insurance.It is exclusively available through IFAs who will receive a procuration fee of £200 on completion.

IFAs tell investment trusts to improve marketing

IFAs have told investment trusts to spend more money on marketing themsleves, according to an AITC survey.The survey consisted of 30 in-depth interviews with IFAs, institutional shareholders and journalists, and was conducted in December last year.It was carried out to will help it shape the organisations marketing strategy over the coming year.IFAs were found to […]

Certification guide

Guide: how to… certify your pension scheme

Certification is highly complex and surrounded by a minefield of information and auto-enrolment jargon, which can make it very difficult to understand. However, for many employers it is a necessary process that must be executed successfully.


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