Season greetings Scottish Widows Protect are delighted to have played our part in helping Scottish Widows achieve a ‘5 star’ service award for Life & Pensions at this year’s Financial Adviser Service Awards.  This award recognises our tireless efforts to bring you the level of service you expect and we were thrilled to pick up [...]

The Aviva Tech Centre is a treasure trove of information for advisers like you. We have articles covering: Protection planning Learn more about using protection policies in financial planning. Pension planning Get the most up-to-date information on pension planning, from pre-retirement to retirement benefits to death benefits. Investments and tax planning Discover the most tax-efficient [...]

You might be forgiven for beginning to think you can breathe a sigh of relief as the end of 2016 looms into view.  It certainly seems to have been a rollercoaster of a year with some real highs and it feels like more than its fair share of lows. As the year draws to a [...]

Paymentshield has revealed its latest enhancements to its GI offering. Following feedback from mortgage advisers throughout 2016, the insurance provider has worked with its panel of well known insurers to review its Home Insurance product and has implemented a range of changes which go live from the 19th of December: Maximum cover limit on its [...]

For intermediary use only Changes to Clydesdale Product Range – Now Live The changes we announced to our mortgage product range last week are now live. Details of the changes are as follows: BTL Rates Reduced ·  2 year fixed to 75% LTV now 2.99% ·  2 year fixed to 75% LTV fee offer now [...]

In line with the closure of the Help to Buy Mortgage Guarantee scheme by the Government, we will be removing the following two products with effect from Thursday 22 December 2016: 3.99% 2 Year Fixed (Help to Buy 2), 95% LTV, £0 fee 4.75% 5 Year Fixed (Help to Buy 2), 95% LTV, £0 fee Both [...]

Magellan Homeloans launch two new product ranges and substantial reductions in fixed rates pricing. In response to adviser demand for lower rates and more choice for their clients Magellan have made improvements to the product range, which come into effect immediately. These include two new pricing tiers to provide even better value products for borrowers [...]

At Leeds Building Society we have responded to the PRAs supervisory statement on underwriting standards for Buy to Let (BTL) properties by changing our criteria on BTL mortgages. We’ve assessed our income coverage ratio (ICR) taking into account mortgage interest tax relief. As of 1st January 2017 we have increased our ICR for BTL mortgages [...]

To ensure our product and criteria guides are as informative as possible we have updated them as follows: Updated the minimum property value enhancement on the front of each product guide to confirm it excludes HMOs Provided further information in the ‘Refinancing assessment rate’ section of the criteria guide Documents that are attached are: 00812 [...]

Thank you for your ongoing support in 2016. We’re taking a look back at a series of developments introduced this year to make it easier and more beneficial for you to recommend Expacare. More flexibility We brought in new discounted rates on our Corporate Advantage Plan in the UAE - to give you the chance [...]