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Mortgage Talk gives its top mortgage deals for the week

Mortgage Talk has unveiled its top mortgage deals for the week including The Chelsea&#39s fixed

rate until the April 1 2006 at 4.64%.

The deal has an arrangement fee of £590, but no valuation fee.

Mortgage Talk&#39s top tip for long-term fixed rates is the Nottingham&#39s fixed rate deal available until August 31 2009 at 5.15%. There is no valuation fee, but an arrangement fee of £295.

For short-term discount deals, Mortgage Talk recommends Norwich & Peterborough&#39s two-year discounted scheme at an interest rate of 2.99% with a valuation fee of £225 and noarrangement fee, subject to redemption penalties.

For long-term discounts Mortgage Talk rates The Nottingham&#39s five-year discounted scheme at a current rate of 4.18%, with no valuation fee or redemption penalties, but an arrangement fee of £295.

Mortgage Talk also rates Northern Rock&#39s variable rate mortgage that gives a 10% cashback on the amount borrowed. The current rate is 5.99% with an arrangement fee of £595 and a valuation of £385. The loan is subject to redemption penalties.

For buy-to-let, the brokerage favours NatWest&#39s buy-to-let discount mortgage available until May 31 2006, currently at 4.69% with a valuation fee of £225, anarrangement fee of £200 and no penalties.


Safe as houses

With house prices still rising strongly, more people than ever are turning their backs on traditional pension funds in favour of property. Many are already using their buy-to-let properties as part of their retirement plans. Now the government has come up with two schemes that should further encourage high net worth investors to see property […]

B&W launches capped offsets

Bristol & West Mortgages is launching two offset mortgages with the added security of a capped rate. Clients can choose either a 4.89% (base rate plus 0.89%) for the term of the mortgage capped at 5.89%, or opt for a deal at 4.99% (base rate plus 0.99%) for the term of the mortgage capped at […]

Yorkshire launches £50,000 prize draw

The Yorkshire has launched a special prize draw for all new applicants for one of its mortgages to win £50,000. Anybody who applies for a new Yorkshire mortgage before August 31 2004 will not only be able to enter the draw, they are guaranteed to get a great value deal as well. Existing Yorkshire borrowers, […]

Preferred Mortgages launches two fixed deals on adverse range

Preferred Mortgages has launched two fixed rates on a range of adverse products. Customers can benefit from rates starting at 5.19% until July 1 2005 and 5.99% until July 1 2006. Other features available on the fixed rates include mortgages up to £1m, up to 90% LTV for purchases and remortgage; up to 90% LTV […]


Case study: administration — implementing a management log

Our client is a leading video game and publishing company best known for its console role-playing game franchises. The client provides a number of benefits, at varying levels and cost that attract a P11d liability. With the absence of a management log to track data for benefit movements, enormous administrative and therefore cost implications were occurring each year just to comply with P11d reporting requirements.


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