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TMO discount

The Mortgage Operation, discounted mortgage

Discounted term: 15 months

Discount: bank base rate plus 0.5% followed by bank base rate plus 1.2%

Payable rate: 4.5%

Minimum loan: £25,001

Maximum loan: 90% LTV to £250K, 80% LTV to £400K, 75% LTV to £500K

Income multiples: 3.5 +1 or 2.75 x joint

Arrangement fee: £299

Redemption fee: none for partial redemption, £100 discharge fee for full redemption

Conditions: none

Introducer&#39s fee: 0.5% of the loan size

Tel: 0207 571 2414


Cat gets the bird for mortgages and Isas not as popular as Peps

Cat-standard mortgages have been voted a complete flop by IFAs in theState of the IFA Nation poll of Money Marketing readers.Ninety-two per cent of advisers said Cat-standard mortgages had not succeeded.Isas have also been given the thumbs down, with 72 per cent ofres-pondents saying Isas have not been as successful as Peps.IFAs are predicting a […]

DBS axes fees campaigner who planned to set up rival network

Mellon Global Investors is offering a European ethical tracker fundtargeted at the Catholic community.The fund tracks the ECapital European ethical index, which excludes arange of industries selected by the Vatican University such ascontraceptives, nuclear power and pornography.IFA Evan Owen has been kicked out of DBS for considering starting a rival.Wales-based sole trader Owen, who has […]

Raising the roof on martgages

Mortgage loan to values are on the way up, with some lenders offering advances of 100 per cent or more of the property value. Some companies are targeting specific markets, such as first-time buyers, while others are offering them across the whole spectrum. Pink Home Loans is currently offering an exclusive fixed rate in conjunction […]

Count the cost of turning back the clock

The FSA has failed to identify properly what is wrong with theindustry and what needs to be achieved by changes.What is needed is better-quality financial advice available on anongoing basis to the widest possible audience. It needs to beavailable at a cost which the public is happy to pay and chargeablein a manner which the […]

Is volatility dead? No, sell credit

There are several arguments that one could currently make for why credit markets look unattractive. These include signals that the US economy is in late cycle, the fact that corporate leverage has been increasing (with 2016 setting a record for the amount of global bond issuance), and that US high-yield default rates have risen considerably […]


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