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Bristol & West launches fixed rate mortgages

Bristol & West Mortgages has launched three new products to compliment its core mortgage range.

The new mortgages are a 4.49% five-year fixed rate which is available up to 95% LTV with no extended tie in.

The second one is a two-year fixed rate mortgage at 3.95%, again with no extended tie-in and up to 95% LTV.

Both these products have a £299 arrangement fee, which can be avoided with a two-year fixed rate mortgage at 4.29%. This mortgage offers free legals for remortgagers and no valuation fee.

Neena Kithoray, senior product manager for Bristol & West Mortgages, says: “Our core range has been more successful than we could have imagined so we have taken the decision to extend it by a further three months. However, as always, we want to provide our customers with the best possible deals so we have launched three excellent new products, all market leading in their own right.”


Virgin rebrands and launches flexible deal

VirginOne has rebranded as The One account and launched a flexible mortgage for sale exclusively through intermediaries, writes Harriet Williams. The Flexible Mortgage option offers a three month discount of 1.75%. This gives a 3.2% introductory rate on loans up to 85% LTV, reverting to a 4.95% variable rate, and a 3.7% rate on loans […]

NatWest launches self-cert mortgages

NatWest has launched self-certified mortgages in a bid to capture ground in a market area containing 3.2 million self-employed individuals in the UK whose income cannot be as easily verified. NatWest has become one of the first major high street banks to cater for this market and is launching five self-cert products with rates starting […]

Mortgage Express makes case for financially excluded

Mortgage Express says lenders must be flexible enough to adapt to individual need, following this week&#39s news that 21% of the adult UK population is excluded from mainstream credit. Tim Sturley, head of business development at Mortgage Express, says: “We&#39ve always been aware that people have individual needs when it comes to finance – they&#39re […]

The future is bright for packagers Timetable to regulation

Last year there was much speculation on the future role of packagers. This is a subject worthy of serious debate. Packagers are capable of adding significant value to any specialist lender&#39s operation and, given they can rise to the challenges, they will secure an important place in the specialist lending market of the future.Of course, […]


Guide: reporting to the Pensions Regulator — what and when?

Johnson Fleming has published a step-by-step guide demonstrating the importance of record keeping and reporting, and how it can ensure you operate a successful scheme. The guide takes you through some key questions you need to ask and identifies the information you need to obtain. The topics include: why you need to keep records and the benefits of doing this; registering your scheme; what information you need to record to ensure you meet the Pensions Regulator’s requirements; and what items need to be recorded and when.


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