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Charcol sourcing

John Charcol has chosen eMoneyfacts as its sourcing system.

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FSA rules out retrospective judgement

The Financial Services Authority has confirmed it will continue to judge firms’ standards of product sales and financial advice by the standards and rules at the time of sale and not retrospectively. This policy will not be changed by the regulator’s move towards more principles-based regulation.The framework the FSA operates under dictates that it will […]

Exchange and Rickerbys partner up

The Exchange has partnered with Rickerbys solicitors to offer legal advice to the 3,000 users of the online equity release service on the Exweb portal. An average equity release case is estimated to take as long as seven months to complete but Rickerbys offers a fully case-managed system, meaning straightforward cases can complete in 30-40 […]

Cracking the declined claims problem

It was good to see the Financial Services Authority coming out with a balanced report on the sale of critical illness cover recently. Huge steps have been taken to improve the way CI cover is sold but there’s still room for improvement.

71% of all mortgages taken out in April fixed, says CML

Fixed rate mortgages accounted for 71% of all house purchase loans and remortgages in April, research out from the Council of Mortgage Lenders has revealed.This figure is 2% higher than in March, and 17% more than in April 2005. It says the increasing popularity of fixed rate products reflects attractive deals being offered by lenders, […]

The death of retirement – a boost for protection?

According to our recent report on the death of retirement, changes in workplace pension provision mean that coming generations of retirees could have a radically different experience of retirement from their parents. The average contribution rate into an old-style final salary pension was around 20% of total wages, the statutory minimum for a new automatic […]

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