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RBS offers its lowest-ever fixes

The Royal Bank of Scotland has launched its lowest ever range of fixed rate mortgages for first-time buyers, movers, remortgagers and existing customers.

These include a two year fix at 3.75 per cent for loans to value up to 95 per cent and 4.35 per cent for 100 per cent mortgages.

It also has a five-year fix at 4.25 per cent for mortgages up to 75 per cent LTV, 4.35 per cent for LTVs up to 95 per cent and 4.95 per cent for 100 per cent mortgages.


Unlucky for sum

In my last few articles, I have looked at the crucial messages forIFAs and their clients which can be derived from mortality tables andtrends in life expectancy, in particular, the adverse effect thatcontinuing improvement in life expectancy is having on annuity ratesand the cost of funding final-salary schemes, as pension payments arenow being made for […]

FSA flood warning

IFAs will have a busy time of it in the next 12 months, if only indealing with the masses of publications forthcoming from the FSA. Intotal, starting from this month there are 81 publications on thetimetable before the end of the year.These take the form of discussion papers, consultation papers,feedback statements, draft rules or policy […]

New illustrations give even less incentive to save

So now we have the real pension projections, which will make the hilllook steeper and the accumulated funds look smaller. If the powersthat be really believe this is going to be an incentive to themajority to increase their savings efforts, then they really are asstupid as we fear.I wonder if, in formulating their policies, they […]

Friends challenges firms to match one-day admin

Friends Provident is throwing down the gauntlet to pensioncompetitors, saying only those able to get paperwork out to clientswithin 24 hours can claim true end-to-end processing capability.The company says IFAs can tell if a product provider&#39s claim ofstraight-through processing is correct by being able to send policydocuments to members within a day of application.It says […]

Artemis Monthly Distribution Fund: positioning and outlook

Managers James Foster and Jacob de Tusch-Lec outline the fund’s investment approach and discuss current investment themes and outlook for the bond and equity markets. As James and Jacob confirm, the Artemis Monthly Distribution Fund’s aim is to generate an income from both equities and bonds. They explain their investment approach in each asset class, the sectors where they are […]


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