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Salt to increase fixed rates on sub-prime range

Salt has emailed brokers to alert them that it will be increasing its fixed rates on its sub-prime range from November 28.

It says that all fixed rates have been repriced and maximum loan to values for ‘status’ and ‘self-cert’ reduced for near prime to heavy categories.

Maximum first time buyer self-cert LTV has been reduced from 90 per cent to 80 per cent.

Maximum loan on self-cert has been reduced to £500,000.

Salt says that this is due to recent market changes.


With-profits hurdles remain for advisers

FundsNetwork says the FSA’s investigation into with-profits has done little to help advisers who still face the same hurdles when reviewing client policies.The regulator sent a letter to with-profits providers in September reinforcing the need for them to treat policyholders fairly. Its move followed two thematic reviews into the sectorThe first review found that providers […]

Pioneer welcomes changes to DWP incapacity benefit rules

Pioneer has welcomed new incapacity benefit rules outlined by the department of work and pensions on Tuesday claiming anything that highlights the issue of incapacity is positive for the industry.The rules plan to change the way people qualify for benefits, focussing on what work claimants are fit to do rather than what they cannot do, […]

Transparency on trial

Early next year, the FSA will publish a discussion paper on the purpose and possible effects of greater transparency.


Natixis Global Asset Management’s quarterly Portfolio Barometer offers insights into UK financial advisers’ model portfolios and the allocation decisions they are making. Natixis’s Portfolio Research & Consulting Group works with financial advisers and other intermediaries to analyse and enhance their model portfolios and help them develop investor portfolios suited to today’s complex markets. The Portfolio […]


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