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Nationwide two-year fixed rate

Nationwide two-year fixed rate

Fixed term: Two years

Fixed rate: Up to 75% – 5.09%, 75-90% – 5.19%, 90-95%, 5.29%

Minimum loan: N/A

Maximum loan: £500,000. Larger loans subject to individual review

Income multiples: 3.5 times single

Arrangement fee: Non-refundable £150 reservation fee

Redemption fee: 2% of outstanding loan in first year, 1% in second. Allows repayment of up to £500 per month without fee.

Conditions: None

Introducer’s fee: Industry standard

Tel: Contact regional director


Pois poised for Family merger

Family Assurance Friendly Society is to merge with Pois Assurance after its management committee and Pois&#39s membership approved the deal.The tie-up will see all 73,000 Pois members – who voted unanimously in favour of the merger – join Family Assurance, which has more than half a million members. Both groups will continue to operate under […]

Egg challenges fund managers on charges

Fund managers must be able to demonstrate they provide a superior service if their annual charges are higher than rivals, according to Egg.The online provider wants fund managers to be more open about annual charges such as total expense ratios and to be able to justify them if they are more costly than other companies.Egg […]

BFS brings clarity to split caps

BFS Investments has updated the literature and statistics on its IFA website, to bring enhanced clarity to their range of split-capital investment trusts.The website will now include further details of trust holdings, as well as a breakdown of cross-holdings in other splits.BFS director of retail products Nigel Sidebottom says: “Our aim is to develop the […]

Draw the line between advisers and &#39promoters&#39

Letter to David Severn at the FSA Re: CP121 I am writing as a director & compliance officer of a firm of IFAs with 37 advisers dealing largely with medium to highnet-worth clients at or in retirement.We do little regular-premium business and routinely discount initial commission on single-premium investments and complex pensions.The majority of our […]


Employer iPMI responsibilities could continue to escalate, says Jelf

New laws in Dubai will put the burden of providing international private medical insurance (iPMI) firmly on the shoulders of the employer in order to maintain the country’s leading healthcare facilities. With 10,000 UK nationals having moved to the country since 2007 and only 16.5 per cent of the total 8.2 million people living there being Emiratis, Jelf Employee Benefits believes this move was inevitable and employer responsibilities could continue to escalate in future.


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