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TFC appoints financial director

TFC Group has appointed Phillip Latala as financial director with responsibility for all businesses in the group. He says: “There is a sense of energy in TFC and I am looking forward to helping develop the business.”

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Government outlines housing supply proposals

The government has outlined proposals that set out how Communities England – a new housing and regeneration agency – will support local areas deliver both social and private housing. Communities England will replace two existing agencies and aims to boost the annual housing supply to more than 200,000 by 2016. The Department for Communities and […]

N&P appoints Toy as Astra MD

Norwich and Peterborough has appointed Graham Toy as head of commercial and intermediary lending and managing director of its subsidiary, Astra Mortgages. Toy joins from Abbey where he was deputy head of commercial lending.

Helping clients understand decisions

Over the past few years, the protection industry has made a lot of progress in addressing the issue of consumer trust, in particular by reducing the number of declined claims.

Rooftop appoints roving underwriters

Rooftop Mortgages has appointed three roving underwriters to provide onsite coverage with various members of its mortgage packager panel. Charlotte Riley has spent the last three years working for Freedom Lending and will be covering the North West. Also covering the North West and Yorkshire will be Lynsey Allen, who joins from Mortgages PLC after […]

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England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.

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