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IFAs want benchmark for flexible mortgages

Eighty-one per cent of IFAs believe a proper minimum standard benchmark for flexibility would be useful in helping their clients choose a flexible mortgage, according to research conducted by Sun Bank.

Ninety-six per cent of IFAs believe daily interest calculation and overpayments are key to the flexibility of a flexible mortgage, while 92 per cent believe there should be no redemption penalties for variable rates or overhanging penalties beyond any fixed rate.

Ninety-two per cent think customers should be allowed to make occasional underpayments and the same number think payment holidays should be standard.


Investment view

By the time you read this, the outcome of the US presidential election should be known. This has been one of the closest run contests ever, so I will not embarrass myself by try ing to second-guess what will be in the public domain just a few days hence. Perhaps it is not surprising the […]

Playing it safe

As SG Asset Management approaches its third birthday, it is far from the speculation which surrounded the build-up to its launch.Four years ago, founder Nicola Horlick walked out of Morgan Grenfell and set up SGAM a year later. With the launch of its first fund, the UK growth fund, media attention continued to surround the […]

AUTIF yet to respond

The Association of Unit Trusts and Investment Funds is yet to issue a reaction to the Chancellor&#39s pre-budget speech.AUTIF says it is in the process of compiling a response which will be issued later today or early tomorrow.


Early predictions of stakeholder being a vanilla product limited to tracker funds have been proved wrong as providers line up to launch new products, which in many cases are substantially better for consumers than their previous personal pension.Most pundits now agree stakeholder will impact on the entire defined-contribution market and IFAs cannot ignore these developments.IFAs […]


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