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Standard Life – 5 Year Buy-To-Let Fixed

Fixed term: 5 years

Fixed rate: 6.15%

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 seven months gross interest in year one, 6 months gross interest in year two, 6 months gross interest in year three, 5 months gross interest in year four, 4 months gross interest in year five

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


The Ucits amendment

The advent of the Euro has intensified the speculation as to the future of sterling and the pros and cons of the EU.One area which gets little press coverage is how the EU is impacting retail financial services. The intangible nature of financial products in some ways make them ideal products to be sold across […]

Liverpool Victoria revises annuity

Liverpool Victoria Friendly Society has redesigned its with-profits pension annuity to allow annuity transfers under the open market option. The open market option refers to annuitants being able to shop around for an annuity rather than staying with their existing pension provider. The previous version of Liverpool Victoria&#39s with profits pension annuity did not support […]

Pension and WP charges &#39better value than ever&#39

Charges on with-profits bonds and personal pensions represent better value than ever, according to research by consultants Tillinghast-Towers Perrin for the ABI.Using information app-earing in the FSA&#39s league tables, the survey says char-ges on pension products have fallen to the same level as those on tracker Isas while over a 10-year period, with-profits and unit-linked […]

Skandia survey shows FARs from the with-profits crowd

Choosing a life office on the basis of its free-asset ratio in the hope of achieving higher returns is a lottery, according to research from Skandia.Free-asset ratios are widely used as a measure of financial strength and often seen as a critical factor for many IFAs when choosing with-profits providers.Skandia&#39s research shows a high FAR […]


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