View more on these topics

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

Discounted-rate buy-to-let mortgage

Discounted term:
Three years


Payable rate:

Minimum loan:

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

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

Arrangement fee:

Redemption fee:
Interest until end of month

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

Tel: 0845 456 7418


New head of market pricing at Clerical Medical

Clerical Medical has announced Richard Tomlinson as its new head of market pricing. He will lead a team of actuaries responsible for the product pricing of Clerical Medical&#39s brand in the UK. Tomlinson was previously the international pricing actuary for Clerical Medical and prior to that was employed by Natwest Life Assurance. Tomlinson says: “I […]

Research pointing to strong growth for life sector

The UK life market will grow by over £1.8bn in the next four years to around £5bn, according to research by Datamonitor. In the UK Life Assurance 2004 report, author Liz Hartley says growth will be fuelled by recovery in the stockmarkets and continued popularity of protection products. However, she warns that life companies will […]

Winterthur Life – Winterthur Elite

Type: Unit-linked multi-manager fund Aim: Growth by investing globally in equity funds Minimum investment: Subject to the minimum for Winterthur&#39s bond and pension products Investment split: 20% BGI US Equity Index/Gartmore USA Index (Life),12% Newton International Growth, 10% BGI European Equity Index/Gartmore Europe Index (Life), 9% Schroder Tokyo,7% Fidelity American, 7% Fidelity European,7% First State […]

PJB property is golden goose

PINDER FRY & BENJAMIN Gold 9 Type: Exempt unit trust Aim: Growth by investing in a central London office rented by international accountancy firm Ernst & Young Minimum investment: Lump sum £25,000 Investment split: 100% in a commercial property Place of registration: Dublin Closing date: July 14, 2004 Charges: Initial 4.96% Commission: Initial 1.75% Tel: […]

Cricket - thumbnail

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.


News and expert analysis straight to your inbox

Sign up


    Leave a comment


    Why register with Money Marketing ?

    Providing trusted insight for professional advisers.  Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.

    News & analysis delivered directly to your inbox
    Register today to receive our range of news alerts including daily and weekly briefings

    Money Marketing Events
    Be the first to hear about our industry leading conferences, awards, roundtables and more.

    Research and insight
    Take part in and see the results of Money Marketing's flagship investigations into industry trends.

    Have your say
    Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

    Register now

    Having problems?

    Contact us on +44 (0)20 7292 3712

    Lines are open Monday to Friday 9:00am -5.00pm