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Sun Bank – Hindsight 2 Year Fixed

Fixed term: until 1/3/2004

Fixed rate: up to 75% of valuation with an extended tie-in period – 3.24%, up to 90% of valuation with an extended tie-in period – 3.74%, up to 75% of valuation with no extended tie-in period – 4.74%, up to 90% of valuation with no extended tie-in period – 5.24%

Minimum loan: £25,001

Maximum loan: £500,000

Income multiples: 3.5 times principal income or 2.5 times joint

Arrangement fee: £395

Redemption fee: 5% of advance until 1/3/2007 for loans with and extended tie-in period, 5% of advance until 1/3/2004 for loans with no extended tie-in period

Conditions: daily interest charging

Introducer&#39s fee: 0.3%

Tel: 0845 601 0763


Rising pay, low rates to boost house prices

The UK housing market continues to defy the global downturn, with prices set to rise by 6 per cent by the end of the year, according to figures from Nationwide.Its monthly survey shows that house prices rose by 0.2 per cent in January to £93,231 from £93,045 on a seasonally adjusted basis, with the number […]

Mellon – Ethical Tracker Fund

Tuesday, February 5, 2002.Type: Ucits.Aim: Growth by tracking the ethical index Euro.Minimum investment: Euros 5,000.Place of registration: Dublin.Investment split: 100 per cent tracking the ethical indexEuro.Isa link: No.Charges: Initial up to 4 per cent, annual A shares 1 per cent.Commission: Initial 3 per cent, renewal subject to negotiation.Tel: 0845 6001383.

Irish Permanent ups maximum loans for self-certs

Irish Permanent has increased its maximum loan threshold for self-certification home loans to £500,000 from £350,000 to give the self-employed the chance to buy a more expensive property. It has also increased its procuration fee for introducers to 0.85 per cent from 0.5 per cent. It will lend up to 90 per cent loan to […]

TEPs: With-profits hits target

It has not been a great time to retire in the last two years as the value of some funds have fallen by over 30 per cent during this time. Even if retirement can be deferred, how long will it take for these funds to recover to levels of only a couple of years ago?The […]

Simon Fletcher

Auto-enrolment: pay attention or pay the price

By Simon Fletcher

As a chief executive officer of a business in the financial services sector, I have been dealing with the introduction of auto-enrolment for our clients for some time, but I can also speak from an employer’s point of view, having to go through the process ourselves.


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