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Self Cert from L&G mortgage club

Legal & General&#39s Mortgage Club is offering a self-certification mortgage at 4.09 per cent aimed exclusively at self-employed and employed customers.

The rate is 1.75 per cent above the current Bank of England Base Rate of 4 per cent and then discounted by 1.66 per cent for the first two years.

Following the discounted period, the mortgage will remain 1.75 per cent above the Base Rate.

Loan to Value is set at 85 per cent of the value of the property.

During the first two years an early redemption charge of 5 per cent of the amount repaid during the first 12 months and 4 per cent in the next 12 months will apply.


FSA extends deadlines for responses to CP121

The FSA is extending the deadline for responses to CP121, giving IFAs more time to send in their views on the proposals which could fundamentally change the market.Following a letter from Aifa chairman Lord Hunt to FSA chairman Howard Davies last month objecting to the amount of time that the FSA had given the industry […]

Skipton Building Society – 2 Year Fixed Rate Bond

Friday, 8 March, 2002 Type: High interest account Minimum-maximum investment: Lump sum £3,000-£10,000 Interest rate: 5% gross a year Term: Two years Offer period: Until further notice Withdrawal penalties: No withdrawals permitted during term Tel: 0800 446776


Would Skandia&#39s decision to pay 5 per cent initial commission on online fund sales for the rest of the Isa season increase the likelihood of you using the life office for your clients investments?“No. We do not judge investments on the basis of commission paid. We look at a whole range of other things like […]

Treasury clears up loan confusion

The Treasury has moved to clarify industry confusion over whether life offices&#39 tied sales forces and other appointed representatives will be able to advice on other lenders&#39 mortgages under future regulation. Its Regulating Mortgages consultation document states an “authorised independent mortgage intermediary…could not continue to be an appointed representative for other activities”. The Treasury has […]

Greg Broomer 2

Survey looks at the challenges facing businesses post auto-enrolment

A survey conducted by Johnson Fleming at the Pension & Benefits Show 2014 highlighted the key challenges faced within organisations post auto-enrolment. The results showed that communicating the changes and the value of them to staff, and receiving timely data from the payroll provider proved to still be the most challenging aspects of managing an auto-enrolment scheme.


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