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Out of context

“Sometimes I use William Hill.”
The Office of Budget Responsibility’s Stephen Nickell on how he judges the probability of EU disasters playing out.

“When was the last time you bought a pasty at Greggs?”
Labour MP John Mann grills Chancellor George Osborne on the Budget.

“That’s why I like it…”
London & Country associate director of commun-ications David Hollingworth on the suggestion that sarcasm is the lowest form of wit.

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Consumer panel wants to keep non-advised sales

The Financial Services Consumer Panel has called for the FSA to scrap its proposed ban on non-advised mortgage sales. In its final mortgage market review consultation paper, published in December, the FSA proposed non-advised sales should be banned where there is “spoken or other interactive dialogue” between a customer and a firm. High-net-worth clients are […]

3

Chris Gilchrist launches new IFA firm

Former Churchill Investments directors Chris Gilchrist and Stephen Poland have launched a new IFA business, FiveWays Financial Planning. The Weston super Mare-based firm offers independent advice on a fee-only basis. It is a member of The Whitechurch Network and currently has six IFAs, including former Churchill advisers Jim Bloodworth, Jon Lawson, Ian Evans and Richard […]

Finding inequity in equity release

This month, I want to move away from the retail distribution review and take a look at something completely different. A publication entitled Making the Most of Equity Release was recently published by the Smith Institute and anyone interested in, or currently authorised to advise on, equity release should take a look at it. The […]

Bank defends not asking for power over LTVs

The Bank of England has defended its decision not to ask for control over loan-to-value ratios for the Financial Policy Committee, arguing the power to limit mortgage borrowing should rest with Government not unelected regulators. Last month, the interim-FPC published a wish list of macro-economic tools it wants the committee proper to have at its […]

Generation Rent

By Denise Wond, marketing manager We’ve heard a great deal about Generation Rent in recent years but what does it actually mean for consumers and advisers and has the face of the typical renter changed? The picture is certainly more diverse than it used to be. Homeownership is at its lowest point in 30 years, […]

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