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NatWest launches range of self-cert mortgages

NatWest Bank is launching a range of five self-certification mortgages to be sold through intermediaries saying it is one of the first of the major high street banks to cater for this market. Rates start at 4.65 per cent and are available on a loan to value up to 85 per cent and there are both fixed and discountrd products available. NatWest is targeting self-employed people and employed borrowers with irregular incomes, multiple jobs and contract workers.


Equitable to cut to the bone, warns Cazalet

Leading life analyst Ned Cazalet is warning that Equitable Life could be forced into cutting benefits to its conventional annuitants, as the prospect of insolvency looms ever closer.He says the stricken life company&#39s “wafer-thin” solvency margin means that even slight movements could push it over the edge, and says this could be caused by having […]

A new age in planning

First, can I stress that the issues I will outline in this article will, over the coming months and years, prove to be among the most important developments in financial planning and all advisers must devote a great deal of time and thought to ensuring the implications are brought to the attention of their clients. […]

HSBC goes for uncertainty factor

HSBC Asset Management has established a guaranteed equity bond that could mature before its six-year term. The capital protected growth plan is linked to the FTSE 100 and provides a full capital return regardless of its performance. Investors could also receive 100 per cent of any growth in the FTSE 100 at the end of […]

Inside edge

Imagine the scene at a suburban breakfast table in early February. The husband passes a mailpack across the table to his wife, who is engrossed in the crossword.“There&#39s another Isa offer here, darling. We have only lost 30 per cent on last year&#39s Isa and 55 per cent on the 2001 version. We really must […]

What are the key changes to transform pensions?

By Fiona Tait, pensions specialist In her final article for Royal London, Fiona Tait reviews key changes she believes have transformed, or will transform, pensions. In my 12 years with Royal London I have been paid to review, study and explain the numerous changes to pension legislation which have transformed our industry in that time. This is […]


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