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Pepper to sell through mortgage network Ingard


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.



Pepper Homeloans to sell through Tenet brokers

  Pepper Homeloans,will now be selling its specialist mortgages through Tenet intermediaries. Tenet advisers will get access to all Pepper’s residential and buy-to-let mortgages. Pepper Homeloans director of sales Rob Barnard says: “Tenet is a leading network and an important new distribution partner for Pepper Homeloans.” TenetLime managing director Gemma Harle says: “We are delighted […]


Pepper to sell specialist loans through The Mortgage Alliance

Pepper Homeloans will be selling its specialist mortgages through The Mortgage Alliance. TMA’s brokers will be able to access to Pepper Homeloans’ whole range of residential and buy-to-let mortgage products. Pepper Homeloans director of sales Rob Barnard says: “TMA is a leading mortgage club and an important new distribution partner for Pepper Homeloans. Their brokers […]


Pepper launches 30-month fixed residential loan and cuts rates

Pepper Homeloans has launched a residential 30-month fixed rate and cut most of its two-year fixed rate loans by up to 0.25 per cent. The lender has also added three- and five-year fixed rate deals to its range. Pepper says its limited edition 30-month fixes, which were only previously available on NP2 products, are now […]

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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