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Newcastle Building Society – 3 Year Discount Mortgage

Type: Discounted-rate mortgage

Discounted term: Until March 30, 2009

Discount: 2.31%

Payable rate: 3.49%

Minimum loan: £15,000

Maximum loan: Up to 90% of valuation subject to a maximum of

Income multiples: Up to 90% of valuation 3.35 times principal income
plus second or 2.5 times joint, up to 75% of valuation 3.5 times
principal income plus second or 2.75 times joint, up to 50% of
valuation four times principal income plus second or 3.75 times joint

Arrangement fee: £345-£1,000 depending on loan amount

Redemption fee: 3% of mortgage balance in first three years

Introducer&#39s fee: Subject to negotiation

Tel: 0191 244 2000


Friends Provident – UK Safeguard Optimiser Fund

Type: Unit-linked fund Aim: Growth by investing in the ISIS FTSE All-Share Index Tracker fund and the Barclays Global investors Liquidity Plus Fund Minimum investment: Lump sum £5,000 Investment split: Up to 70% ISIS FTSE All-Share Index Tracker fund, remainder in Barclays Global investors Liquidity Plus Fund Charges: Annual 0.6% Commission: Initial up to 5% […]

The Share Centre – Personal Retirement Account

Type: Full Sipp Minimum investment: Lump sum £780, £117 a month Investment choice: All Inland Revenue permitted investments except commercial property Options: None Charges: Set up fee £120, annual £80-£160 depending on fund value Commission: Subject to negotiation Tel: 01296 414541

FSA bans insurance to pay fines

FSA regulated firms and individuals will no longer be able to use insurance to pay fines under new rules announced this week. From January 1, any companies fined by the FSA will be forced to pay them out of their own pocket &#45 ensuring the financial burden of regulation is borne directly by the firm […]

Countrywide to proceed with demerger of life operation

Countrywide Assured has announced that it will proceed with the demerger of its life assurance operations. Countrywide announced on December 5th that it was proposing to sell or demerge its life assurance operations. It has now made the decision to demerge them and will discontinue discussions in relation to the sales process immediately.

Derek Stuart: where to find value in the UK?

Derek discusses a number of Œself-help stories as examples of where he is finding good opportunities in the UK With the FTSE trading at historically high levels, many investors have questioned whether UK equities continue to offer value. But, as Derek points out, the headline figures mask many opportunities at a sector level. He has […]


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