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Pepper to sell through mortgage network Ingard

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Pepper Homeloans has extended its distribution network to include the Essex- and Chester-based mortgage network Ingard.

Ingard will sell Pepper Homeloans’ full range of residential and buy-to-let mortgage products.

Pepper Homeloans director of sales Rob Barnard says: “Ingard’s members can be assured of a fast and efficient service from our team of mortgage experts and each case will be individually assessed by a skilled underwriter.”

Ingard sales & marketing director Nikki Haworth says: “We’ve been watching Pepper’s growth over the past year with great interest.

“Their product line-up fills an important gap in the market and I have no doubt they will be a welcome addition to our panel of lenders.”

Pepper Homeloans launched into the UK intermediary market in 2015.

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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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