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HBOS brands cut mortgage rates

Halifax is cutting mortgage rates for the second time this week alongside reductions by other HBOS brands.

The new rates are up to 0.15 per cent cheaper on 20 products starting from Saturday July 19 and there are also reductions across BM Solutions, Bank of Scotland and Intelligent Finance products.

A Halifax 75 per cent LTV five-year fixed rate will now be priced at 6.34 per cent, down from 6.49 per cent.


Ifs and butts

The smoking ban may be having a positive effect, with research by University College London, funded by Cancer Research, showing that the last year has seen the biggestever drop in the number of smokers.

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Guide: how to… audit your auto-enrolment scheme compliance

As the Pensions Regulator starts to bare its teeth and the changes mentioned in the Budget and Queen’s Speech start to come into force, it is essential that you understand your scheme and the processes you need to undertake to ensure it remains compliant. Our second re-enrolment guide looks at how to audit the key areas of your auto-enrolment scheme.


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