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Leeds & Holbeck – 25-Year Fixed Rate

Type: Fixed-rate mortgage

Fixed term: Until March 1, 2029

Fixed rate: 5.99%

Minimum loan: £25,000

Maximum loan: Up to 90% of valuation subject to a maximum of
£300,000, up to 85% of valuation subject to a maximum of £400,000,
up to 80% of valuation subject to a maximum of £500,000

Income multiples: Up to 90% of valuation &#45 3.5 times principal
income plus second or three times joint, up to 80% of valuation &#45 four
times principal income plus second or three times joint, up to 50% of
valuation &#45 four times principal income plus second or 3.5 times joint

Conditions: Three-month window for penalty-free redemption after
five years then every other year until end of fixed-rate period, capital
repayments of up to 5% allowed without penalty, free mortgage
payment protection insurance in first six months

Arrangement fee: £499

Redemption fee: Six months&#39 interest in years one to five, three
months&#39 interest in years six to 25

Introducer&#39s fee: Loans of up to £50,000 &#45 £125, loans above
£50,000 &#45 0.25% of original loan

Tel: 0121 643 6741


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Scottish Equitable Protect has angered IFAs by extending its clawback period from two years to four years. The firm says the changes come into effect from January 10 and affect all policies issued from that date onwards. It says IFAs will get letters about the change this week and believes the notice period of a […]

UBS Global Asset Management – UBS Global Emerging Markets Fund

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Life company panel backs new broker for special risks

A new specialist insurance brokerage has set up to offer a quick way of finding life protection for difficult cases. Risk Placement Services has been established with a panel of UK insurance providers, including Standard Life, Skandia, Scottish Equitable, Royal Liver, Norwich Union and Friends Provident, to which all cases will be referred. The new […]

Watchdog&#39s view is critical

The Financial Services Ombudsman is reckoned to be looking warily at the trend towards reviewable premiums on critical-illness policies, with some product providers saying that the watchdog has indicated that such contracts may fall foul of unfair contract principles. It has indicated its concerns that policyholders may not understand the premiums they are being quoted […]

2016 Global Survey of Individual Investors: How is investor behaviour rewriting the job description for financial professionals?

Trapped between expectations for near double-digit returns and strong apprehensions about investing in persistently volatile markets, investors worldwide are of the opinion that professional financial advice is worth the fee. But even though they believe individuals who work with a financial professional are more likely to achieve their goals, investors have a clear vision of […]


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