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Specialist loans make up a third of IFA business says survey

A survey by mortgage lender Sun Bank reveals arranging loans for clients with specialist needs makes up a third of all mortgages handled by IFAs but only one in five cases in the market overall.

It says IFAs have a chance to differentiate themselves from high street banks in this complex prime sector.

Of the IFAs questioned 96 per cent believe the sector including clients with income issues, a failed credit score, an unusual property, with multiple properties or who are foreign nationals, will continue to grow.


Pinnacle Insurance – Helpupay

Wednesday, 22 August 2001.Type: ASU mortgage payment protection plan.Maximum benefit: £1,000 a month.Benefit payment term: 12 months.Deffered period: 30 days.Premium: Accident and sickness from £0.93 per £100 of cover, accident, sickness and unemployment cover from £1.52 per £100 of cover.Commission: None.Tel: 08000 350292.

London Calling

Fund management group Grosvenor, which specialises in property investment, has teamed up with Kleinwort Benson Private Bank to create the Grosvenor Kleinwort Benson residential property investment fund. This offshore fund is aimed at high-net-worth clients looking for capital growth. It invests in properties in prestigious parts of Central London including Mayfair, Chelsea and Belgravia. These […]

Royal & SunAlliance International Financial Services – Global Personal Portfolio

Friday, 24 August 2001.Type: Traditional offshore bond.Aim: To provide income, growth or income and growth by investing inauthorised UK unit trust and investment trust.Minimum investment: Lump sum £250,000.Place of registration: Isle of Man.Investment split: Any authorised UK unit trusts and investmenttrusts.Charges: Initial 1 per cent on first £4m, 0.5 per cent on next £4m, 0.25per […]

Who dares to claim may still not win

The recent furore over the claim for pension rights by the common-law widow of an SAS officer killed on duty masks a much wider issue of the definition of spouse or dependant used by occupational pension schemes and annuity providers. An understanding of this wider issue can help many clients, in particular those with preserved […]

Converting pension savings to a retirement income…

Since last year’s reforms to pension legislation, a significant number of retirees have chosen income drawdown over purchasing an annuity. Income drawdown is more flexible than an annuity. However, it also increases the likelihood that individuals won’t be able to maintain their income throughout their lifetime. In this short video, we explain the risks that […]


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