The average age of a first-time mother in the UK has risen to almost 29[1], with 47% of women now not having children by the age of 30[2]. Why is this relevant for the protection industry? Because, by default, many providers automatically include children’s critical illness cover (CCIC) within a critical illness policy even [...]
Here at Aviva, we’ve made improvements across the protection quote journey to provide the flexibility and ease you’ve asked for. Across our full range of personal protection products, we’ve enhanced the quote process so it’s more user friendly, helping you to write business the way you want to; quickly and easily. So, what’s new? [...]
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: LV= are protecting your clients' health with enhanced doctor services; Explore Aegons new flexible business protection application options; The Exeter reduce big risks [...]
We've withdrawn our first time buyer £1,000 cashback exclusives from our range. Withdrawals Residential (first time buyer exclusives) Term Rate Fee LTV 3 year fixed 2.45% £0 85% 3 year fixed 2.65% £0 90% 3 year fixed 3.60% £0 95%
If you have clients in the east of England the Ipswich is offering reduced rates for first time buyers and is able to accept gifted deposits up to 95% LTV. Called “Heartland Exclusive”, Ipswich Building Society is offering a fixed and discount option for first time buyers who are purchasing a property within Suffolk, [...]
FBS are confident their flexible criteria and personal approach to underwriting will maximise your BTL sales opportunity. They consider: Portfolio landlords Expats No minimum income BTL offset mortgage Their BTL offset mortgage can help to maximise returns for your landlord clients. This provides the option to use cash allocated for potential repairs for example, [...]
From Monday 8 April 2019 we’re making some ‘market leading’ changes to our Equity Release proposition. We’re making a significant range of changes to our lending criteria and the big-profile areas are to allow customers to let out a self-contained part of their property and to use their property and land to carry out [...]
British society is undergoing a period of significant change Incomes are changing. A combination of political and economic factors have resulted in booming self-employment, the emergence of the gig economy, and the prevalence of zero-hours contracts. This means incomes are less regular, which may impact money management and could lead to credit issues. Properties [...]
We are thrilled to announce our latest Shared Ownership product; MFD303: 3.35% Fixed Rate for 3 Years (Shared Ownership) Up to 95% of applicants share (either on house purchase or remortgage) NO Application or Product Fees Free Valuation Click here to download the product sheet
Retirement Interest Only 5 year fixed rate 3.09% Key Features: Available to clients aged 55+ For remortgage or house purchase To be repaid when a life event is triggered (no maximum term) Maximum loan of £750,000 (if above, please refer) Must be affordable to both applicants (if joint) Up to 50% LTV Click here to [...]
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