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  • Treasury Tagged - Gladstone Brookes
    has been so successful there is a danger the government will run out of shares to sell to the public before the retail sale takes place in February or March next year Read More Treasury confirm Lloyds retail sale By Mike Birkett Published 2015 06 01T11 38 23 0000 Posted in Banks News 1st June 2015 Tagged Chancellor financial crisis investors Lloyds taxpayer Treasury The Treasury has confirmed it is to launch a Lloyds share sale to the public within the next 12 months It also announced that it has sold a further 1 of shares as part of the Chancellor s trading plan to take its stake below 19 Read More Secret talks between banks and Treasury By Mike Birkett Published 2015 05 19T13 36 55 0000 Posted in Banks News 19th May 2015 Tagged Bank of England financial crisis HSBC Treasury Rumours are circulating of secret talks between Britain s banks and the Treasury to try to keep HSBC and other big financial institutions in the UK Senior City figures are said to be in negotiation with the Treasury and the Bank Of England to water down proposed new banking laws to split the retail and investment arms of the big banks Read More A tale of two banks By Mike Birkett Published 2015 05 13T09 19 42 0000 Posted in Banks News PPI 13th May 2015 Tagged dividend exchange rates Lloyds Lloyds Banking Group LBG PPI PPI Claims profit Royal Bank of Scotland RBS shares Treasury Lloyds Banking Group LBG and Royal Bank Of Scotland RBS were both bailed out by the British government at the height of the financial crisis in 2008 but the fortunes of the two banks have differed widely since then The bailout figure for Lloyds was 20 billion which gave the British taxpayer a 43 4 stake in the bank The figure for RBS was more than double at 45 8 billion which bought the government an 81 stake Read More Free bank accounts set up by Treasury deal By Mike Birkett Published 2014 12 16T09 24 03 0000 Posted in Banks News 16th December 2014 Tagged atm bank account Barclays British Banker s Association BBA budget charges Clydesdale Bank Co operative Bank current account direct debits HSBC Lloyds Banking Group LBG nationwide NatWest Royal Bank of Scotland RBS standing orders Treasury Yorkshire Bank A new fee free template for basic bank accounts has been announced by the Treasury after they reached a deal with the main high street banks Around 9 million people in the UK use basic bank accounts and 90 of them are covered by the new agreement with the lenders Read More MPs warn Help To Buy creates risks for the tax payer By Mike Birkett Published 2014 06 18T16 22 02 0000 Posted in Mortgages News 18th June 2014 Tagged deposit first time buyers Help To Buy interest free loan taxpayer Treasury MPs looking at the government s flagship Help To Buy scheme have warned it is

    Original URL path: https://www.gladstonebrookes.co.uk/blog/tag/treasury/ (2016-02-09)
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  • Gladstone Brookes - Self-cert lender hits back at FCA criticism
    able to make their own mind up about what they feel is appropriate for them It said The FCA have issued a statement about this site Whilst we disagree with the points in it we certainly think people should read it and decide for themselves We are not anti FCA in anyway and people should listen to them with an open mind On the face of it they don t actually disagree with anything we have said they have however inferred things that aren t true When we get some time we will address these Statement In their statement the FCA advises consumers Before making any decisions find a regulated mortgage adviser who can give you advice on mortgage products from a wide range of lenders including those regulated in the UK Make sure your adviser is qualified and FCA regulated check the Financial Services Register If you are still considering using a firm based outside the UK find out what protections you will have if things go wrong Ask for a copy of the mortgage terms and conditions Ask for the contact details of the firm s regulator Find out how the firm will deal with borrowers who fall into arrears plus details of fees and charges Remember you will not be protected by UK regulation if things go wrong and you could lose your home if you cannot afford your mortgage payments Mortgage offers self cert co uk has temporarily suspended business because they received over 5 500 applications but only had enough money for between 250 and 300 mortgage offers They are offering a single product a self certification loan at 2 above UK base rate for up to 500 000 with a minimum deposit of 15 Sources http www mortgagestrategy co uk self cert lender hits back at fca cmpid msbreak 1982126 utm medium email utm source newsletter utm campaign ms breaking http www fca org uk news self certified mortgages from firms not based in the uk warning to consumers http www theguardian com money 2016 jan 27 fca warning self cert mortgage overseas lender http www ft com cms s 0 34979e4c c515 11e5 b3b1 7b2481276e45 html siteedition uk axzz3yo2R8d97 http www mirror co uk money self employed mortgages good true 7257023 This entry was posted in Mortgages News Personal Finance Search for By Month Select month February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 January 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 June 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012 April 2012 March 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August

    Original URL path: https://www.gladstonebrookes.co.uk/blog/2016/02/03/self-cert-lender-hits-back-at-fca-criticism/ (2016-02-09)
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  • Mortgages Archives - Gladstone Brookes
    Luton Mortgages negative equity population Reading shortage Slough The spectre that haunts Britain s burgeoning housing market is the danger of another housing bubble with prices collapsing leaving millions in negative equity But experts claim there s no chance of one getting ready to burst if supply and demand continue as they are even with the much wider availability of mortgages Read More Borrowers warned special offers on mortgages could cost dear By Mike Birkett Published 9th November 2015 Posted in Banks Mortgages News Tagged Bank Of Scotland banks Barclays borrowers building societies cash back Clydesdale fees Halifax HSBC incentive interest rates legal fees Mortgages valuations Borrowers have been warned that falling for special offers on new mortgage deals may cost them dear Mortgage expert Alison Mitchell says that special deals like cashback on mortgages free legal fees and free valuations could lure borrowers into expensive mortgages Read More Chancellor acts on buy to let mortgages By Mike Birkett Published 5th November 2015 Posted in Mortgages News Tagged Bank of England buy to let Chancellor Financial Conduct Authority FCA first time buyers interest rates landlord loan Mortgages owner occupiers rental income repayments Chancellor George Osborne has taken action over fears that the buy to let mortgage market was overheating and threatening the UK s financial stability In a surprise move he has given the Bank Of England the power to regulate the fast rising buy to let sector It was a surprise because the government had only previously agreed to consult on the subject Warning Back in July the Bank Of England issued a warning that the buy to let boom could pose a risk to the country s financial stability because the rules governing the granting of a mortgage were being loosened for this sector Lenders were making more deals available to borrowers with less than 25 deposits with the result that this had become the fastest growing portion of the whole mortgage market Vulnerable A special report claimed Buy to let borrowers are potentially more vulnerable to rising interest rates as loans are more likely to be interest only and extended on floating rate terms Affordability is tested at a lower stressed interest rate than owner occupiers The fear is that the availability of buy to let mortgage is driving up housing prices across the board making it even more difficult for first time buyers to get a loan But the inevitable increase in interest rates could force buy to let borrowers to sell their homes if they find it difficult to meet their repayments creating a glut of available homes flooding the market and drastically lowering property values New powers The new Bank Of England powers have been extended by Mr Osborne but it is not yet clear exactly what form the intervention will take Last year the bank asked for permission to cap the size of a landlord s loan to a multiple of the expected income from the property similar to the loan to value

    Original URL path: https://www.gladstonebrookes.co.uk/blog/category/news/mortgages/ (2016-02-09)
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  • Personal Finance Archives - Gladstone Brookes
    days of operation crashing its website Read More FCA tighten up on insurance renewals By Mike Birkett Published 20th January 2016 Posted in Insurance Money Saving News Personal Finance Tagged ABI Association of British Insurers Car Insurance FCA Financial Conduct Authority FCA home insurance policy premium regulator renewal notices switch The Financial Conduct Authority FCA is planning to force home and car insurers to tell customers what they are currently paying for their policy when it s time for renewal In most cases renewal notices sent to consumers don t include the current premium so they can t judge if they re getting a fair deal or being hit by a big increase for no good reason Read More Higher bank fees may mean it s time to switch By Mike Birkett Published 19th January 2016 Posted in Banking Banks News Personal Finance Tagged Baclays bank fees cashback current account Current Account Switch Guarantee direct debit HSBC interest ISAs Marks Spencer Santander standing orders switching Sharp rises in bank fees could mean it s time to switch your account claim experts While some fees are on the increase special deals are being offered by other banks to encourage consumers to switch their money to them Read More Cash Genie goes into liquidation owing customers money By Mike Birkett Published 7th January 2016 Posted in Credit News Personal Finance Tagged Cash Genie FCA Financial Conduct Authority FCA payday lender RSM wonga Payday lender Cash Genie has gone into liquidation while still owing more than 1 million to customers The firm entered solvent liquidation six months after the Financial Conduct Authority FCA ordered it to pay 20 million compensation to 92 000 customers Read More Multi millionaires Row By Mike Birkett Published 6th January 2016 Posted in News Personal Finance Tagged Aberdeen Alderley Edge average house price Belfast Cardiff Chelsea County Down Edinburgh Kensington Kensington Palace Knutsford Lloyds Macclesfield Poole Prince Harry Prince William Royal Family Sandbanks SWilmslow What s the average price of a home in the most expensive street in Britain Is it 1 million 2 million 5 million No the average price of a home in Victoria Road Kensington is a staggering 8 million Read More Npower fined a record 26 million for complaints and billing failures By Mike Birkett Published 21st December 2015 Posted in Energy News Tagged bills complaints handling energy Energy Ombudsman Mis selling Npower Ofgem Npower one of the Big Six energy companies has been fined 26 million by Ofgem after sending out inaccurate bills and failing to deal with complaints properly The regulator said the energy giant had to pay the record amount for failing to treat customers fairly Read More Be on the lookout for cyber villains on Black Friday By Mike Birkett Published 18th November 2015 Posted in News Personal Finance Tagged Amazon Argos Black Friday Boots Currys cyber cyber criminals cyber villains Cybetr Monday Debenhams Ebay emails Facebook malware Marks Spencer on line password River Island scams shopping social media Tesco

    Original URL path: https://www.gladstonebrookes.co.uk/blog/category/personal-finance/ (2016-02-09)
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  • affordability Tagged - Gladstone Brookes
    for comeback By Mike Birkett Published 2015 11 19T10 56 02 0000 Posted in Mortgages News 19th November 2015 Tagged affordability FCA Financial Conduct Authority FCA Financial Ombudsman Service FOS MMR mortgage Quick Loans self cert self certification self employed Self certification mortgages effectively banned by the UK regulator are set to make a comeback through a new lender setting up in an eastern European country Normal mortgages require the lender to ensure that the borrower has enough income to make the repayments but self cert loans didn t require the affordability check They became known as liar loans because borrowers fibbed about how much they earned so they could get a bigger mortgage Read More Do you understand mortgage affordability By Mike Birkett Published 2015 10 26T08 09 24 0000 Posted in Mortgages News Personal Finance 26th October 2015 Tagged affordability energy tariff expenditure Financial Conduct Authority FCA income Life Insurance loan MMR mortgage Northern Rock pension switching Looking for a new mortgage Do you understand the new mortgage affordability rules If not you are putting yourself at a distinct disadvantage and could miss out on the loan to buy the home of your dreams Read More FCA put Wonga and Quick Quid under the microscope By Mike Birkett Published 2015 09 16T08 48 34 0000 Posted in News Personal Finance 16th September 2015 Tagged affordability credit debt management Financial Conduct Authority FCA interest rates loan log book lenders payday lender Payday Loans Quick Quid regulators watchdog wonga Britain s financial regulator is putting Wonga and Quick Quid under extra scrutiny before granting them a new license to operate The two payday lenders are the highest profile of a group of loan firms and debt management businesses which the Financial Conduct Authority FCA are putting through an advanced authorisation process said to be twice as strict as the standard tests Read More Are you a mortgage prisoner By Mike Birkett Published 2015 04 27T15 33 31 0000 Posted in Mortgages News 27th April 2015 Tagged affordability Financial Conduct Authority FCA lenders loan MMR mortgage Strict affordability checks being imposed by mortgage lenders are creating millions of mortgage prisoners who can t move home because they wouldn t qualify for a new loan Research by the Resolution Foundation suggests that up to four million people could be affected in one way or another 40 of the mortgage holders in the UK Read More Search for By Month Select month February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 January 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 June 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May

    Original URL path: https://www.gladstonebrookes.co.uk/blog/tag/affordability/ (2016-02-09)
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  • Arrears Tagged - Gladstone Brookes
    17 0000 Posted in Mortgages News Personal Finance 6th August 2015 Tagged Arrears Bank of England Barclays base rate househild debt inflation interest rates Mortgages record low Santander speculation Yorkshire Building Society Borrowers are being warned to fix their mortgage rates as soon as possible as Britain s top lenders start to drop their best low rate deals ahead of the expected rise in interest rates Barclays Santander and Yorkshire Building Society have all increased their rates and pulled cheap deals which will add hundreds of pounds to the cost of new loans Read More Is now the time to fix your mortgage rate By Mike Birkett Published 2015 07 24T15 57 52 0000 Posted in Mortgages News 24th July 2015 Tagged Arrears Bank of England base rate fixed rate interest rates mortgage overpayment standard variable rate Is now the time to fix your mortgage rate while base rate remains at its record low level The Bank Of England s Monetary Policy Committee has just voted to keep the rate at 0 5 a level it has now held for more than six years But there are increasing signs it can t go on for much longer Read More Bank Of Scotland accused of criminal fraud over mortgages By Mike Birkett Published 2014 12 10T09 32 37 0000 Posted in Banks Mortgages News 10th December 2014 Tagged appeal Arrears Bank Of Scotland fraud Lloyds Banking Group LBG mortgage repayments repossession Bank Of Scotland has been accused of criminal fraud by Northern Ireland s Attorney General because of the way the bank treated some of their customers who fell behind with their mortgage payments A previous hearing in August had found the bank guilty of double billing some customers who were in arrears Read More Yorkshire Building Society fined 4 1m over mortgages By Mike Birkett Published 2014 11 04T17 04 19 0000 Posted in Banks News 4th November 2014 Tagged Arrears Financial Conduct Authority FCA mortgage Yorkshire Building Society Yorkshire Building Society has been hit with a 4 1 million fine by the UK regulator for failings in the way they treated customers in arrears An investigation by the Financial Conduct Authority FCA found that the society had been too slow to reach deals with customers who found themselves in arrears and the delays cost the customers in extra fees and interest Read More Wonga must pay 2 6 million for using fake law firms By Mike Birkett Published 2014 06 25T16 58 28 0000 Posted in Credit News Personal Finance 25th June 2014 Tagged Arrears Financial Conduct Authority FCA Loans Office of Fair Trading OFT payday lenders Payday Loans wonga Payday lender Wonga has been ordered to pay 2 6 million compensation for chasing debt using fake law firms An investigation by the Office of Fair Trading OFT found that Wonga had sent letters to customers in arrears threatening legal action to recover the debt but the law firms were false they did not exist Some customers even had

    Original URL path: https://www.gladstonebrookes.co.uk/blog/tag/arrears/ (2016-02-09)
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  • charges Tagged - Gladstone Brookes
    savers to find better deals with rivals if their own services aren t matching up The Competition and Markets Authority CMA is about to produce its report detailing a year long investigation into personal and business banking prompted by scandals like the mis selling of PPI and allegations that small businesses were being unfairly treated Read More Free bank accounts set up by Treasury deal By Mike Birkett Published 2014 12 16T09 24 03 0000 Posted in Banks News 16th December 2014 Tagged atm bank account Barclays British Banker s Association BBA budget charges Clydesdale Bank Co operative Bank current account direct debits HSBC Lloyds Banking Group LBG nationwide NatWest Royal Bank of Scotland RBS standing orders Treasury Yorkshire Bank A new fee free template for basic bank accounts has been announced by the Treasury after they reached a deal with the main high street banks Around 9 million people in the UK use basic bank accounts and 90 of them are covered by the new agreement with the lenders Read More Search for By Month Select month February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 July 2014 June 2014 May 2014 April 2014 March 2014 February 2014 January 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 June 2013 May 2013 April 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012 April 2012 March 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August 2011 July 2011 June 2011 May 2011 April 2011 March 2011 February 2011 January 2011

    Original URL path: https://www.gladstonebrookes.co.uk/blog/tag/charges/ (2016-02-09)
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  • loan Tagged - Gladstone Brookes
    Brookes specialist team recommended it be appealed with FOS and that appeal was to last almost two years But at the end of it FOS agreed the claim had been wrongly rejected and ordered Egg to pay Andrew compensation which totalled 22 216 40 No idea Said Andrew I knew I had PPI because when I went for the loan I was given the impression that if I didn t have the insurance I might not get the loan but I still had no idea how much I might get back I thought it might be enough for a new pair of shoes and I was amazed with how much I actually got back It was well worth the wait I m back on my feet it s taken the pressure off Service The service from Gladstone Brookes was very slick and very professional I gave them the basic details and they took it all from there including making the appeals to FOS he added SUCCESS STORY I would never have got anything back if it hadn t been for you By Mike Birkett Published 2015 11 05T09 05 19 0000 Posted in Gladstone Brookes News PPI Success Stories 5th November 2015 Tagged compensation loan mis sold PPI Santander Seeing the Gladstone Brookes advert on TV was what finally spurred former operations manager John Mackenzie into checking out his PPI I wasn t absolutely sure whether I had it or not and didn t know where to start in making a claim he said Read More Chancellor acts on buy to let mortgages By Mike Birkett Published 2015 11 05T08 49 50 0000 Posted in Mortgages News 5th November 2015 Tagged Bank of England buy to let Chancellor Financial Conduct Authority FCA first time buyers interest rates landlord loan Mortgages owner occupiers rental income repayments Chancellor George Osborne has taken action over fears that the buy to let mortgage market was overheating and threatening the UK s financial stability In a surprise move he has given the Bank Of England the power to regulate the fast rising buy to let sector It was a surprise because the government had only previously agreed to consult on the subject Warning Back in July the Bank Of England issued a warning that the buy to let boom could pose a risk to the country s financial stability because the rules governing the granting of a mortgage were being loosened for this sector Lenders were making more deals available to borrowers with less than 25 deposits with the result that this had become the fastest growing portion of the whole mortgage market Vulnerable A special report claimed Buy to let borrowers are potentially more vulnerable to rising interest rates as loans are more likely to be interest only and extended on floating rate terms Affordability is tested at a lower stressed interest rate than owner occupiers The fear is that the availability of buy to let mortgage is driving up housing prices across the

    Original URL path: https://www.gladstonebrookes.co.uk/blog/tag/loan/ (2016-02-09)
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