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West Bromwich Building Society – Buy-to-Let 0.76% Discount

Type:
Discounted-rate buy-to-let mortgage

Discounted term:
Three years

Discount:
0.76%

Payable rate:
5.54%

Minimum loan:
£30,000

Maximum loan:
Up to 80% of valuation subject to a maximum of £250,000

Income multiples:
Rental income must be at least 130% of monthly mortgage repayments

Conditions:
Free valuation up to £350, £300 cashback for house purchase,
free legal fees for remortgages

Arrangement fee:
None

Redemption fee:
Interest until end of month

Introducer&#39s fee:
0.35% of original loan

Tel: 0845 456 7418

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England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.

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