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West Brom shortfall deal on BTL

West Brom has added a feature to its buy-to-let products which allows surplus disposable income to be used where there are rental shortfalls. Typically the lender will only approve buy-to-let mortgages where the rental is 130 per cent of the mortgage repayment. Now landlords are being offered a mortgage which covers 100 per cent of the interest payment if they have enough equity in the property where they live or disposable income to make up the shortfall.

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Hargreaves fined for failing to warn investors on zero

Hargreaves Lansdown Asset Management has been fined by the FSA for selling its Hargreaves Lansdown Secure Growth Portfolio for a period in 2001. The Secure Growth Portfolio was a specialist portfolio of zero dividend preference shares which HL closed over two years ago. A statement from the group said the FSA believes that HL was […]

MGM in free membership deal on loans

MGM Assurance is offering free network membership to brokers who can complete seven mortgages per month. If an agent sells fewer than seven mortgages in a month then a nominal fee of £50 is charged and trainee advisors are charged a fee of £100 per month.

Headdon escapes lifetime ban

The FSA has stepped back from its threat to ban former Equitable Life chief executive and appointed actuary Chris Headdon for life and has banned him for six years. Headdon is now excluded from holding senior roles in financial services companies until May 2010. The move has been condemned by Equitable Members&#39 Action Group chairman […]

Massow makes IFA return with Falcon network

One of the UK&#39s best-known financial advisers Ivan Massow is returning to business as an IFA with the relaunch of his firm as Felix Financial. The six-RI firm is operating from London offices as part of Bristol-based IFA network the Falcon Group. Massow&#39s previous IFA business, Ivan Massow IFA, was part of South Wales network […]

Why prevention is better than cure

Quoting the famous adage, prevention is better than cure; there are many proactive benefits that can improve wellness in the workplace, decrease stress, increase staff morale and reduce absenteeism, as well as attracting and retaining employees of a higher standard. With a recent study showing that employees in Britain are working below peak productivity, preventative benefits can ensure you address potential health issues or causes of stress at their source and ensure productivity in the workplace remains at an optimum level. With this in mind, how are you using preventative benefits to help keep your workforce happy and healthy?

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