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Govt looks at 0% starter homeloans

The Government is considering bringing in 0 per cent mortgages for people on low incomes and £60,000 starter homes. The Office of the Deputy Prime Minister has confirmed it is considering offering subsidised loans for people on low incomes to help them on to the housing ladder. The plans are expected to form part of a housing strategy to be unveiled by Deputy Prime Minister John Prescott in the next few weeks.

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The route to less regulation

Tony Meadowes’ £5,570 loan nearly cost him £384,000 bec-ause of rocketing compound interest on missed payments. Of course he did not pay. What Harvey Collis of London North Securities did in charging interest of 34.9 per cent has become known as toxic Lending. In the rest of Europe, interest rates of this level are extremely […]

Gilt trip

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2004 out of context

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Fees will not cover our PI liabilities

Fees do not pay for professional indemnity insurance. We must remember that IFAs are insurance salespeople. They sell a product. Advice is ancillary to that process. In fact, advice is not only given at the time that the product is sold but is implicit so long as the policy exists. Most IFAs are prepared to […]

A DGT with 100% access and 100% discount?

Clare Moffat, Technical Manager, looks at the benefits of pensions from an IHT perspective. 100% access and 100% discount – what type of wrapper could this be? A pension! Post flexibility there is 100% access (for those over 55) and normally pensions are inheritance tax (IHT) free. With flexibility the options available on death mean […]

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