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Santanda Confirm Help to Buy Scheme
Help to Buy: mortgage guarantee
We will be joining the Government’s Help to Buy: mortgage guarantee scheme in January 2014 and will be offering a new range of 95% LTV mortgages.
LV Enhances its Critical Illness Cover
Critical Illness Cover Example
The latest enhancements to LV Critical illness cover can now provide you with wider coverage, more partial payment options for less severe conditions, as well as larger payments for some conditions.
73% Increase in 5 Year Fixed Mortgage
Moneyfacts research has revealed a shift in the mortgage products lenders want to sell as the number of five-year fixed rate mortgages increased by 73% in the last 12 months.
23% fall in ISA choice, a third less money
Moneyfacts research reveals a 23% fall in the choice of where to place your cash ISA this year compared to April 2012.
Not only have product numbers fallen but the rates last year were around a third higher than today, (one-year fixed has fallen by 32%/long-term fixed by 33%).
Savers the Forgotten Casualties
Inflation figures released today show the Consumer Prices Index (CPI) in March stuck at 2.8%.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying at least 3.50% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 4.66%.
Mortgage Fees Rise as Rates Fall
Moneyfacts research reveals that whilst mortgage interest rates are falling and higher loan-to-values (LTVs) are making a comeback, potential savings are being eaten away by the less talked about, rising fees.
Business Moneyfacts announces 2013 award winners
The winners of the 2013 Business Moneyfacts Awards were announced last night at the prestigious Lancaster London Hotel.
Savers’ Torment Heightened
Inflation figures released today show the Consumer Prices Index (CPI) rose during February, from 2.7% to 2.8%.
Moneyfacts Awards finalists announced
The Moneyfacts Awards are to be presented at a lunchtime ceremony on 7th June 2013 at the London Marriott Hotel, Grosvenor Square. One of the highlights of the personal finance industry calendar, this event continues to celebrate the best products and service in the personal finance world and will hopefully provide a welcome boost to those who have excelled in their sectors.
Mortgage Market Set for Change
Moneyfacts research reveals that the mortgage market has literally turned on its head in the last five years.
ISA Prisoners get Life
Moneyfacts research reveals that only three of the top-paying variable cash ISAs will allow you to transfer money in, as opposed to nine out of ten, two years ago.
Lowest Mortgage Rates Ever
Fixed mortgage rates are dropping like stones, Moneyfacts research reveals. Rates started a slow descent shortly after the Government’s Funding for Lending Scheme (FLS) began last August and have picked up speed with new ‘best ever’ deals coming onto the market almost daily.
No end to savers’ distress
Inflation figures released today show the Consumer Prices Index (CPI) in January stuck at 2.7%.
To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 3.37% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 4.50%.
ISA outlook: Gloomy
Moneyfacts research reveals a slow start to the ISA season. Not only has it started a month later than expected, product choice and rates have fallen and the ability to transfer funds is fading fast.
Moneyfacts comments on FSA plans to review annuity pricing
Following the announcement that the Financial Services Authority (FSA) is to conduct a thematic review into annuity pricing, research by Investment Life & Pensions Moneyfacts highlights the financial detriment that consumers could suffer in retirement as a result of their failure to shop around for the best annuity.
Consumer Moneyfacts Awards
The winners of the Consumer Moneyfacts Awards were announced last night at the HAC in London. Industry professionals from leading financial services and utility providers gathered at the event hosted by comedian Hardeep Singh Kohli.
Building societies take ‘locals only’ stance
Moneyfacts research reveals that the savings market is changing shape, yet again. Only this time it is not the accounts that are changing but how you obtain an account.
Annuity income suffers biggest fall since 1998
New research by Investment Life and Pensions Moneyfacts has revealed that the average annual income generated by a standard annuity for a 65-year old male fell by 11.5% during 2012.
Savings bonuses are disappearing fast
Just when savers thought it couldn’t get any worse, it did. Moneyfacts research shows that not only are savings rates falling to devastating lows but introductory bonuses are all but disappearing too.
Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
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Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales Company 5703224. FCA Number 456600
We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances. Our typical fee would be £500