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Pink Home Loans – Three-Year Stepped Discount

Tuesday, 17th October 2000.



Discounted term: Three years.



Discount: Year one &#45 2.5 per cent, year two &#45 1.5 per cent, year three &#45 1 per cent.



Payable rate: Year one &#45 5.34 per cent, year two &#45 6.24 per cent, year three &#45 6.74 per cent.



Minimum loan: £35,000.



Maximum loan: Up to 95 per cent of valuation subject to a maximum of £150,000. Up to 90 per cent of valuation subject to a maximum of £250,000. Up to 85 per cent of valuation subject to a maximum of £350,000. Up to 80 per cent of valuaion subject to a maximum of £500,000.



Income multiples: 3.25 times principal income plus second or 2.75 times joint.



Arrangement fee: £299.



Redemption fee: Year one &#45 7 months&#39 interest, year two &#45 6 months&#39 interest, year three &#45 5 months&#39 interest.



Conditions: None.



Introducer&#39s fee: £250.



Tel: 01543 441530.



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Guide

Guide: how to change your auto-enrolment support

As we approach the two-year milestone of auto-enrolment, employers have had the opportunity to truly assess the capabilities of their chosen support. They are also now realising that getting to the staging date was the easy part, and that support is required for almost every aspect of the day to day running of their scheme. With the three-year re-enrolment window coinciding for many with the total removal of commission and Active Member Discounts from pension-related products and services, as well as the introduction of the pension charge cap in April 2015, many employers will have no choice but to review their support options. But, what is involved in transitioning your auto-enrolment scheme away from your current support options? This guide from Johnson Fleming aims to outline some of these key areas and provide information and discussion points on what you need to consider.

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