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Northern Rock offers unsecured loans on top of mortgages

Northern Rock has announced changes to its flexible fixed and flexible capped mortgage ranges by adding the option of an additional unsecured loan of up to £10,000.

When borrowers apply for a fixed or capped loan, they can also apply for an unsecured cash reserve from £1,000 to £10,000. Consumers will only pay interest on the amount they use at a variable rate of 3 per cent above Northern Rock&#39s SVR, which is currently 5.85 per cent.

Once in place, consumers will be able to draw down funds in a lump sum or in stages to fund for overpayments, underpayments or payment holidays.


IFAs warned not to sell their firms too cheaply

IFAs should beware of selling equity in their firms too early, too cheaply and to people that cannot add value to the business, founder of Skandia UK Paul Bradshaw has warned.Bradshaw told the Money Marketing G80 summit, near Newport, Wales last week, that the financial advice market was far from mature and said he expected […]

Managerial incompetence

Like almost every other IFA in the land, I read with knowing sympathy John Morgan&#39s letter (Money Marketing, April 25).The current state of the financial services industry was mainly brought about by Catmarks, stakeholder and all the other ideas this Government seems determined to ram down the industry&#39s throat. But that is not the whole […]

Many IFAs still baffled by tech

Many staff in IFA firms still lack the basic technology skills to use software and online services, says 1st Software.In a survey carried out by the software provider, 60 per cent of the 2,000 IFA firms questioned said they or their admin staff needed more technology training and were not yet confident on the basics […]

Ham sweet ham

Zurich&#39s TV ad campaign featuring flying pigs has been so successsful that it has decided to save their bacon.A spokeswoman assures us that all nine sows will probably have a better retirement in piggy paradise than she is likely to as the company is looking for permanent loving homes.All interested parties please contact Zurich and […]

InFocus - thumbnail

In Focus — February 2015

Jelf Employee Benefits looks at the issue of paying anaesthetist fees when the patient had no chance to discuss or agree to them prior to care; and provides recommendations for avoiding this scenario.


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