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HSBC –  3-Year Fixed Special – Direct

HSBC –  3-Year Fixed Special – Direct

Type: Fixed-rate mortgage

Fixed term: Until April 30, 2014

Fixed rate: 3.24%

Minimum loan: £10,000

Maximum loan: Up to 60% of valuation subject to a maximum of £500,000

Income multiples: Based on affordability

Conditions: Free legal fees for remortgages, overpayments of up to 20% a month without penalty in the fixed- rate period

Arrangement fees: £999

Redemption fee: 1% of the amount repaid in the first three years

Introducer’s fee: None



Gemini moots EM and alternative launches

Gemini Investment Management has said it is mooting fund launches in new areas such as South America, Africa and alternatives after it brought out its first product, an India fund, this year. Stuart Alexander, the managing director at Gemini, said the new group aims to expand its platform and has “a couple of new funds […]


Government facing calls for trivial commutation reform

The Government is facing growing calls to relax rules around the trivial commutation of pension pots worth less than £5,000. Earlier this month, shadow pensions minister Rachel Reeves issued a written question to pensions minister Steve Webb asking whether he would bring forward proposals to facilitate and reduce the cost of annuitising sums of less […]


Housing minister warns on mortgage regulation

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G20 and EU actions could increase chances of future financial crises

The G20 and the EU’s overhaul of financial regulations has been slammed for being “disingenuous political posturing” and “increasing the chances of future meltdowns”. The Taxpayers’ Alliance claims that both politicians and regulators have based their response to the financial crises on “mistaken views of its causes” and “political considerations”, The Telegraph reports. The paper […]

Johnson Fleming is a finalist at UK Pensions Awards 2016

The UK Pensions Awards shine the light on excellence and recognise the advisers, providers and investment managers that offer the highest level of innovation, performance and service to occupational pension schemes and their members. This year’s awards looked at advisers and providers across 31 different categories and were rigorously judged by a panel of senior […]


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