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Standard Life – 3 Year Buy-To-Let Fixed

Fixed term: 3 years

Fixed rate: 6.10%

Minimum loan: £40,000

Maximum loan: up to 80% of valuation subject to maximum £400,000 on single property, £500,000 on up to 5 rental properties

Income multiples: income must equal at least 9% of loan amount, subject to minimum principal income of £20,000 or £30,000 joint

Arrangement fee: £350 for single mortgage, £500 single fee for 2-5 mortgages arranged simultaneously

Redemption fee: equivalent of five months gross interest in year one, 4 months gross interest in year two, 3 months gross interest in year three

Conditions: regular overpayments not permitted during fixed rate period, £150 booking fee for fixed rate

Introducer&#39s fee: 0.32%-0.48%

Tel: 0845 606 6710


Scarborough joins cap elite

Scarborough Building Society has introduced a five-year capped-rate mortgage that is available for loans of up to 95 per cent of valuation.The mortgage is capped at 5.45 per cent for five years and an arrangement fee of £295 is payable. If the mortgage is paid off during the first five years, borrowers must pay 5 […]

MGM&#39s capital bond offering 12 fund links

MGM Assurance&#39s capital investment bond features up to 12 fund links.The bond has a minimum investment of £7,500 and an initial charge of 5 per cent.There is also an exit charge of 5 per cent in year one decreasing by 1 per cent each year to 1 per cent in year five, then zero thereafter.For […]

Liverpool Victoria Friendly Society – With Profits Pension Annuity

Monday 4 February, 2002Type: With-profits annuity. Minimum investment: Lump sum £7,500. Minimum age: 50. Income frequency: Monthly, quarterly, half-yearly, annually. Charges: Implicit. Options: Can be converted from with-profits to conventional annuity on annuitant&#39s death. Commission: Initial 1 per cent. Tel: 0845 6020690.

Investment update

JP Morgan Fleming is waiving the 1 per cent transaction charge on all lump-sum business into its investment trust Isa range until April 30. Minimum investment is £1,000. Annual charge is 1.5 per cent. Teather & Greenwood launched its new UK smaller companies fund this week. The fund, managed by John Sweet, invests in a […]

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In Focus — February 2015

Jelf Employee Benefits looks at the issue of paying anaesthetist fees when the patient had no chance to discuss or agree to them prior to care; and provides recommendations for avoiding this scenario.


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