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BDM of the Week

As well as having comprehensive knowledge of the lenders on her firm’s panel, Kayleigh Barratt is always contactable and proactive about solving problems, says Robert Sullivan

Name: Kayleigh Barratt

Age: 21

Company: Just Mortgage Packaging

Area: East London, north London and Essex

Nominated by: Robert Sullivan, mortgage adviser, LP Mortgage and Financial Services

Reasons for nomination: Kayleigh is always contactable on the telephone and reliable at returning calls. If I have a problem that cannot be answered directly, she will try her best to get an answer from a lender’s BDM within the hour.

On top of this, she has extensive knowledge about all the lenders on Just Mortgage Packaging’s panel. I have been using the firm as my primary packager for the past three months and intend to continue this relationship. I would have no hesitation in referring Kayleigh to anyone who is looking for a better packaging route as I have had no problems or queries that have not been dealt with quickly and efficiently.

BDM SAYS: I’m delighted to have been nominated. Looking after brokers such as Rob makes my job enjoyable. As a BDM, no two days are the same. I enjoy meeting people and taking up the challenges thrown at me on a daily basis.

Our policy is to offer good service and I feel it is essential to build strong working relationships with brokers to achieve this. Being available for my clients is a priority and to receive such positive feedback shows I have achieved what I set out to do when I accepted this job two years ago. It is a pleasure to be a part of the development of my company and this is a good opportunity to thank everybody in the office for their support.

Have you got a BDM that has impressed you? Please send nominations to


Focus adds to mortgage team

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Silent partner bought out was launched in December 1999 by Simon Nixon and Duncan Cameron. Originally based in Chester, the price comparison website and its 400-odd staff now have a home in Ewloe, North Wales. Nixon recently bought out silent partner Cameron’s 48% stake.

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Victoria justifies rate hike

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Apple: a stellar technology story

By Ali Unwin, head of technology sector research

Apple recently announced the highest-ever recorded quarterly net profit ($18bn), with the sale of 74.4 million iPhones helping the company deliver $74.6bn of revenue for the quarter ending December 2014. These sales were largely driven by strong demand for the new iPhone 6 and iPhone 6 Plus. Highlights included Chinese iPhone sales doubling year-on-year and unit growth of 44% in the US — supposedly a well-penetrated market. Apple ended the quarter with $178bn in cash on its balance sheet, having generated a staggering $30bn in free cash flow during the quarter.

At Neptune, we have been long-term believers in the Apple story, and continue to hold the stock in a number of our portfolios based on the company’s long-term growth prospects. This is predicated on our belief that Apple has proved thus far that it can — unusually for a consumer electronics company — maintain high margins for a sustained period of time, even as adoption of new technology slows down and competitors produce similar-specification products.


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