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Call me controversial but I’m not sorry the FSA has escaped the axe and I also have some sympathy with what Grenville Turner said about brokers’ power – he was misunderstood


HERO OF THE WEEK is The Mortgage Works for launching an 80% LTV buy-to-let range. The deals include a one-year fixed rate from 4.69% with a 2.5% fee and a 5.69% rate with a 1.5% arrangement fee. There is also a one-year tracker at
4.69% with a 2.5% fee. Seeing a lender go above 75% LTV in the buy-to-let sector is fantastic. Let’s hope others follow.


VILLAIN OF THE WEEK is Lloyds Banking Group for forcing customers who want to borrow more than £500,000 to take out a repayment mortgage. It has also restricted what it will accept as a repayment vehicle. Borrowers will no longer be able to use the sale of their main residence, business or inheritance.


The Scottish survey process should be extended across UK

In response to the news that Home Information Packs are to be scrapped (Mortgage Strategy Online), the government should consider bringing in Home Reports in England and Wales like we have in Scotland. This would be good news as it would save both buyers and sellers a lot of money. In England and Wales lenders […]

Frexit & contagion risk in Europe

Many commentators have suggested the UK’s exit from the European Union will trigger a domino effect, leading to its eventual break-up. Neptune Head of European Equities Rob Burnett discusses the likelihood of this happening. Click here to read more Important informationInvestment risks Neptune funds may have a high historic volatility rating and past performance is […]


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