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Stephen Smith: Boost supply, not demand

As the last weeks of the general election campaign grind on, at least we seem to have some emerging consensus about what needs to be done in the housing market (although little consensus about how). For the first time in many years housing features strongly in the manifestos of all parties and there is something […]

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Lenders warned over TCF after FOS maximum mortgage age ruling

Mortgage lenders could fall foul of treating customers fairly rules if they apply generic lending criteria following a Financial Ombudsman Service ruling against HSBC, experts warn. The FOS has upheld a complaint against the bank for unfairly rejecting a mortgage application on the grounds of age in the first case of its kind. A couple in […]

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Retirement Strategy Leader: We need a cure for scammer disease

Nobody wants another misselling scandal. So clearly, it is paramount that pension freedoms work alongside adequate consumer protection. The Government and the FCA have arguably done their best to put this in place in the tight timescale they had. We have the requirement that people wanting to transfer from defined benefit to defined contribution schemes […]

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MPAA consultation

By Fiona Tait, pensions specialist The chancellor’s announcement of proposed cuts to the Money Purchase Annual Allowance means it will be more important than ever to be able to tell your PCLS from your UFPLS What was in the statement? Not much. The chancellor spared three sentences to inform us that the Money Purchase Annual Allowance will be reduced […]

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