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Kensington Mortgage Company – Two Year Capped Tracker 80% LTV

Kensington Mortgage Company – Two Year Capped Tracker 80% LTV

Tracker term: Until August 31, 2013

Tracker rate: 3.24% above Libor

Payable rate: 4.09%

Capped term: Until August 31, 2013

Capped rate: 5.74% 

Minimum loan: £25,001

Maximum loan: Up to 80% of valuation subject to a maximum of £500,000

Income multiples: Based on affordability

Arrangement fee: £999

Redemption fee: 5% of the original loan in the first two years

Introducer’s fee: 0.4% of the original loan

Tel: 0800 111020


Tech it or leave it

As investors fall over themselves to invest in the Chinese version of Facebook and the Russian version of Google and, well, the original version of LinkedIn, things are beginning to feel distinctly early 2000, which is also when I made my first fund investment. I have mentioned the circumstances here before but, as we are […]

Skandia hands global dynamic equity mandate to Lapides

Skandia has appointed Steve Wilson and Glenn Sussman of Lapides Asset Management to run a £45m US mid-cap value mandate on the £1.02bn global dynamic equity fund. Lapides are taking over a portion of the portfolio previously managed by Epoch Investment Partners. Lapides’ appointment follows from research by Skandia which revealed that their style and […]

Consumer panel tells the regulator to shelve MMR affordability rules

The Financial Services Consumer Panel is calling on the FSA to delay the mortgage market review affordability rules until the sector has recovered. Under the affordability proposals, lenders would be required to obtain detailed information about every borrower’s income and expenditure to assess if a mortgage is affordable. All mortgages would have to be assessed […]


Large employers shun advisers not at QCF Level 4

Large employers are already refusing to consider advisers not yet at QCF Level 4, according to recruitment consultant BWD. It adds that 35 per cent of advisers have yet to complete and pass any papers towards QCF Level 4 and the current pass rate for some diploma papers is only 50 per cent according to […]

A guide to automatic re-enrolment

Since the introduction of auto-enrolment in 2012, it has been a popular topic in the press. Recent media focus has been geared towards small and micro employers; however attention is set to return to the UK’s largest businesses as they prepare for re-enrolment. Johnson Fleming has produced a useful guide that provides essential information to help you […]


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