We start rebranding our protection businesses to Royal London on 30 November - just under two weeks away. We want to make it as easy as possible to do business with us and our approach for pipeline supports this. We'll make sure any applications in the pipeline can continue on Bright Grey terms and conditions, [...]
Message from Legal and General As you know in April this year we launched our Fixed Term Retirement Plan. However my email today focuses on the uses of the ‘nil income’ option the plan offers. With this option, the plan simply pays out a pre-set maturity amount at a fixed date in the future. For [...]
According to new research from SunLife, the happiest people in the UK spend more of their income on insurance, savings and charity donations. The research, part of SunLife’s Cash Happy study, found that those people who donate to charity, deposit money into their savings and ensure they have financial security by being properly insured are [...]
Message from Virgin Money On Thursday 19 November, we will improve our Intermediary Exclusive BTL range by launching new 75% LTV rates starting from 2.59% with a £995 fee. The great news is, our special offer giving landlords £750 cashback on all BTL Intermediary Exclusives has also been extended. It won’t be available for long, [...]
Fleet Mortgages, the new buy-to-let and specialist lender, has this week published a new Guide for intermediaries focusing on the limited company buy-to-let sector. Entitled, ‘Using a Limited Company for Buy to Let Properties’ the Guide provides a range of information detailing the underwriting process for limited company cases at Fleet Mortgages, plus the specific [...]
Message from Santander for Intermediaries From Monday 23 November we’re making some important updates to our residential and Buy to Let mortgage application process in Introducer Internet. Mortgage Credit Directive and Buy to Let mortgages The Mortgage Credit Directive (MCD), effective 21 March 2016, introduces a legislative framework for Consumer Buy to Let (CBTL). This [...]
Message from Legal and General WHAT IS THE EARLY WARNING SYSTEM (EWS)? Our EWS is a free, secure, online subscription system that provides real-time information 24 hours day, seven days a week. The system provides notification of policies that are in danger of lapsing, which may in turn result in commission being clawed back. WHY [...]
Message from Santander for Intermediaries From Monday 23 November we’re making some important changes to our residential lending criteria. Interest only mortgages All new residential applications where any part of the loan is on interest only will now need a minimum gross income: Single applicants: minimum gross income of £50,000. Joint applicants: combined minimum gross [...]
A Big Welcome to Nottingham Building Society who have now joined our National Network Panel. Please read below some further information about them: Nottingham Building Society are one of the few lenders who will consider Interest Only mortgages up to 80% LTV, providing the borrowers have a specific repayment vehicle. Any additional borrowing above 80% [...]
Here are examples of some of the commercial insurance risks Higos has written over the past few weeks. As you can see, they can provide solutions for all your clients' commercial needs, from large businesses to sole traders, shops and offices. Product Trade Premium [...]
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