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Irish Perm offers self-cert at 90% LTV

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.

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Mortgages plc enhances buy to let range

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 […]

BSA calls on Treasury for Isa rethink

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 […]

SEI brings in US chief as it bids to expand

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&#39s US adviser network, will identify potential adviser partners in addition to his role as a builder of business solutions for […]

Route of the problem

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 […]

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White paper — recording sickness absence

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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