Irish Permanent is offering a self-certification mortgage at 90 per cent loan to value for self-employed second time buyers and remortgages. The mortgage is available as a two-year discounted tracker at 4.99 per cent, with 5 per cent redemption penalties in the first two years and the option to overpay up to 20 per cent per annum. It is also available as a tracker at base rate plus 1.25 per cent for the term of the mortgage – current rate 5.25 per cent – with no redemption penalties.
Mortgages plc has added two new products to its buy to let range. The new products are for non-conforming borrowers, and are available at up to 80 per cent loan to value. The light product, at 6.05 per cent, allows £2000 of CCJs and no arrears in the last 12 months. The medium product, at […]
The Building Societies Association is calling on the Government to rethink its proposals to cut the annual subscription limit for Isas. The BSA is concerned the Treasury intends to cut the annual limit for the maxi ISA from £7,000 to £5,000 and the mini cash ISA from £3,000 to £1,000 in April 2006. BSA director […]
Multi-manager SEI Investments has drafted its US communications director Chris Hylen to the UK in a bid to boost outsource partnerships with selected IFA companies. As head of wealth solutions, Hylen, who worked for SEI's US adviser network, will identify potential adviser partners in addition to his role as a builder of business solutions for […]
Forthcoming mortgage regulation will no doubt result in a more cohesive and well respected industry but advisers will need to make careful business decisions to account for increasing costs. Regulation will provide peace of mind for many of thousands of homebuyers but it presents a challenge to all mortgage brokers, who are faced with the […]
The latest figures from the Department for Work and Pensions illustrate that sickness absence is still a major cost to businesses, with an annual bill for sick pay and associated costs to employers of £9bn. This paper from Jelf Employee Benefits looks at the importance of recording sickness absence for any employee health strategy and how this can be carried out in an efficient manner to reduce absence, improve employee engagement and drive up profits.
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The FCA has reiterated its warnings that advisers outsourcing defined benefit transfer advice to firms with relevant qualifications cannot divorce themselves from responsibility for the eventual recommendation. While existing FCA rules require additional qualifications to advise on DB transfers, and the FCA has written to all firms who have DB transfer permissions as part of […]
The Liberal Democrats have branded the government’s decision to delay a pot follows member pension system “incompetent”. The Liberal Democrat spokesman for work and pensions Stephen Lloyd MP says the move by pensions minister Guy Opperman shows how “rudderless” the current government is on pensions policy. Last October Opperman suggested the pot follows member initiative […]