Interest rates have either decreased or remained the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. New Business All pre-sales illustrations produced on or after Wednesday 27 March 2019 will automatically be processed using the new interest rates All applications received on or after Wednesday 27 [...]
We recently launched limited availability, highly competitive 2- and 5- year fixed rate 95% products with £1000 cashback (charging rates 3.2% and 3.49% respectively). These have proved to be very popular and so if there are any unsubmitted applications, now is the time for you to submit them and ensure your fully packaged, as [...]
Virgin Money make buy-to-let more affordable by allowing landlords to use their personal income to top up rental income. Personal income can be used on rental shortfalls between 100% and 145%, calculated at an interest rate stress of 5.50%. As long as there is a combined gross minimum income of £50,000, they aren’t a [...]
Please be advised our semi-exclusive fixed rates have been withdrawn with immediate effect and will not be replaced in the short term.Withdrawn Product Codes FE112, FE113, FE114, FE115, RFE059 and RFE060We will continue to accept applications on previously agreed DIPs until close of business Friday 5th April 2019. For more information visit our website. [...]
With over 1 million CCJs issued in the last year alone, there is a responsibility to brokers to be proactive in reaching those potential clients to make clear the competitive mortgages available for them. There is a significant lack of understanding from consumers when it comes to the availability of mortgages, so by identifying [...]
There's no need to send us bank statements unless we ask for them on Introducer Internet or MATS. If bank statements* are required to support income evidence, you only need to provide the individual page showing the income entry. If bank statements* are requested please give us details of any unusual credits/debits and items such as life [...]
Welcome to this week's Mortgage 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: NatWest announce product rate changes; Virgin Money are making buy-to-let more affordable; Hinckley and Rugby announce product withdrawal; Sign up to Brightstar's new [...]
Illness and injury can happen to anyone at any time, and for some it can have a big impact on everyday living, both today and in the future With our award-winning income protection, The Exeter help take some of the worry away; we provide reassurance that our members will be able to cope financially [...]
Get the latest technical support in Scottish Widows Protection special edition of Techtalk here. Other news: Mortgage Protection breakthrough: new welfare disregards Mortgage benefit reform and the need for a Plan B Underwriting – risk selection not avoidance Trust basics: Bare, Discretionary, Flexible and Split Residence nil-rate band: tapering, transferability and trusts Changes to [...]
A CPD hub to help you meet your development needs We want to help you meet the challenges of the new Insurance Distribution Directive (IDD) requirements. That’s why we’ve launched a new online CPD hub packed with protection research, webinars and guides - all divided into bite sized chunks, so it’s easy to build up [...]
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