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Zest Home Loans launches limited edition product

Zest Home Loans has launched its Harvest limited edition three year capped rate product.

The product is for sub-prime to sub-prime, with no proof of mortgage payments required.

The highlights of the product are unlimited CCJs and arrears up to 75% LTV, as well as no self-cert loading and no remortgage loading.

The three year capped rate from completion is 6.99%, and the product reverts to LIBOR + 3.20% after year three.

The other terms and conditions are as the Harvest Core range.

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Single person households on the rise

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Guide: 10 required letters — what to send, to whom and when?

This guide from Johnson Fleming will take you through the required communication and also give ideas for additional actions that will ensure your auto-enrolment project is a success. The topics in this guide include: the letters you need to send out; what to send and when; the importance of employee engagement; and what to consider as additional communication.

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