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Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
The Crown Estate Annual Report and Accounts 2010
SUSTAINABILITY SHAPES OUR FUTURE Annual Report 2010 Page 1 The Crown Estate Annual Report 2010 Overview 2 Understanding The Crown Estate Sustainability lies at the heart of 4 Chairman’s statement The Crown Estate. Although Parliament 6 Chief executive’s overview 8 Progress on our ‘Going for Gold’ targets decrees that we operate as a commercial Performance organisation, we combine the commercial 10 Urban estate 16 Marine estate imperative with an equally firm 22 Rural estate 28 Windsor estate commitment to integrity and stewardship. 32 Financial review 40 Sustainability Our commitment to stewardship reflects Governance 52 The Board our ability to take the long-term view, 54 Governance report pursuing good environmental practice. 65 Remuneration report Financials In addition to our principal financial 67 The Certificate and Report of the duty we manage the assets in our care Comptroller and Auditor General to the Houses of Parliament for the sustainable, long-term benefit 68 Statement of income and expenditure 68 Statement of comprehensive income of our tenants and other customers; 69 Balance sheet their businesses; the communities they 70 Cash flow statement 71 Statement of changes in represent; and for the environment. capital and reserves 72 Notes to the financial statements 90 Ten-year record (unaudited) Available online % www.thecrownestate.co.uk/annual_report Other publications available 5 Scotland Report 2010 Wales Financial Highlights 2010 Northern Ireland Financial Highlights 2010 Page 2 The Crown Estate Annual Report 2010 Commercialism. -
Annual Report and Accounts 2015 Inside This Year’S Integrated Annual Report and Accounts 2015
2015 Annual ReportAnnual Accounts and The Crown Estate Annual Report and Accounts 2015 Inside this year’s integrated Annual Report and Accounts 2015 Overview Building an integrated The Crown Estate is an Highlights of our performance 03 approach independent commercial Chairman’s statement 04 Chief Executive’s review 06 Three years ago we began to work towards a business, created by Act new vision, which would integrate sustainability Our business at a glance 10 across our business. In order to communicate of Parliament. this we produced our first integrated report Our role is to make sure that the land and What we’ve been doing and set out a three-year plan to improve our property we invest in and manage are Review of activities 12 approach. sustainably worked, developed and enjoyed to deliver the best value over the long term. At the In the first year we outlined our business heart of how we work is an astute, considered, Our markets model and identified the material issues that collaborative approach that helps us create Our markets 34 impact our performance. In the second year success for our business and for those we looked more deeply at our markets and we work with. How we create value improved our understanding of the resources and relationships that sustain our business Business model 38 Our vision is to be a progressive commercial and contribute to our success. In this, our business creating significant value beyond Resources and relationships 40 third integrated report, we have focused on financial return. We will work with partners What is Total Contribution? 42 developing robust measurement indicators and stakeholders to grow our business, Strategic objectives 44 and exploring the broader impact of what we outperforming the market whilst delivering do and how we can inspire change. -
Banking in Cark-In Cartmel
An undated photograph produced by the firm of Woolfall & Eccles (later T M Alexander & Son), architects of the Midland Bank, 119, Station Rd. Cark in Cartmel1 Banking in Cark-in Cartmel In today's high street the bank is becoming a rarity and 2017 will see the closure of another branching the Cartmel Peninsula; the National Westminster Bank in Main Street, Grange over Sands.2The banks are leaving the small market town high street but in the late nineteenth and for the first half of the twentieth century they were part of the local landscape in not only market towns, but even villages and hamlets such as Cark in Cartmel. Until 1826, banks were essentially private merchant banks but the Bank Act of 1826 permitted joint stock banks of issue with unlimited liability to be established. The Lancaster Banking Co. was one such bank which was set up in 1826 and existed until 1907 when it was taken over. For over seventy years, the hamlet of Cark in Cartmel, Cumbria had three banks ; the Lancaster Banking Co. which according to the Bulmer's Directory of 19113 was located at Bank House, Station Rd. and opened initially on Fridays ; the York City and County Banking Co. which became 1 HSBC archives April 18th 2017 2 The Westmorland Gazette, Thursday, March 31st. 2017 3 Bulmer's Directory of 1911. the London and Joint Stock Bank Ltd. was also located at 119 Station Rd. ; and the Bank of Liverpool and Martin's Ltd. which was located opposite at 114 Station Rd. All three banks were characterised by the fact that the banking premises occupied only one room of the building that they occupied and in addition were staffed by one member of staff , which in the case of the Midland and Martin's banks was the bank manager from either the Ulverston or Grange branch. -
Property Useful Links
PROPERTY - USEFUL LINKS Property - Useful Links 1300 Home Loan 1810 Malvern Road 1Casa 1st Action 1st Choice Property 1st Property Lawyers 247 Property Letting 27 Little Collins 47 Park Street 5rise 7th Heaven Properties A Place In The Sun A Plus New Homes a2dominion AACS Abacus Abbotsley Country Homes AboutProperty ABSA Access Plastics AccessIQ Accor Accord Mortgages Achieve Adair Paxton LLP Adams & Remrs Adept PROPERTY - USEFUL LINKS ADIT Brasil ADIT Nordeste Adriatic Luxury Hotels Advanced Solutions International (ASI) Affinity Sutton Affordable Millionaire Agence 107 Promenade Agency Express Ajay Ajuha Alcazaba Hills Resort Alexander Hall Alitex All Over GEO Allan Jack + Cottier Allied Pickfords Allied Surveyors AlmaVerde Amazing Retreats American Property Agent Amsprop Andalucia Country Houses Andermatt Swiss Alps Andrew and Ashwell Anglo Pacific World Movers Aphrodite Hills Apmasphere Apparent Properties Ltd Appledore Developments Ltd Archant Life Archant Life France PROPERTY - USEFUL LINKS Architectural Association School Of Architecture AREC Aristo Developers ARUP asbec Askon Estates UK Limited Aspasia Aspect International Aspinall Group Asprey Homes Asset Agents Asset Property Brokers Assetz Assoc of Home Information Pack Providers (AHIPP) Association of Residential Letting Agents (ARLA) Assoufid Aston Lloyd Astute ATHOC Atisreal Atlas International Atum Cove Australand Australian Dream Homes Awesome Villas AXA Azure Investment Property Baan Mandala Villas And Condominiums Badge Balcony Systems PROPERTY - USEFUL LINKS Ballymore -
Final Prospectus Intro(A)
THIS DOCUMENT IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. If you are in any doubt as to what action you should take, you are recommended to seek your own financial advice from your stockbroker, bank LR13.3.1(4) manager, solicitor, accountant or other appropriate independent financial adviser duly authorised under the Financial Services and Markets Act 2000 (as amended) (“FSMA”) if you are resident in the United Kingdom or, if not, another appropriately authorised independent financial adviser. If you sell or have sold or otherwise transferred all of your Existing Ordinary Shares prior to the date the shares are traded “ex” LR13.3.1(6) the entitlement to the Open Offer, you should send this document, and if relevant, the accompanying Application Form and the enclosed Form of Proxy (and reply-paid envelope) at once to the purchaser or transferee or to the bank, stockbroker or other agent through whom the sale or transfer was effected for delivery to the purchaser or transferee. If you have sold or transferred any part of your registered holding of Existing Ordinary Shares, please contact your stockbroker, bank or other agent through whom the sale or transfer was effected immediately and refer to the instructions regarding split applications set out in the Application Form, if relevant. However, no Application Form should be forwarded to or transmitted in or into the United States or any Excluded Territories where doing so may constitute a violation of local securities laws. Please refer to paragraph 7 of Part 2 of this document if you propose to send this document and/or the Application Form outside the United Kingdom. -
Local Allocations Masterplans Consultation Report Part 1
Local Allocations Masterplans Consultation Report Part 1 November 2015 Consultation Report This Consultation Report outlines the steps taken in preparing the masterplans for the Local Allocations designated in the Site Allocations Development Plan Document. It covers the nature of the consultations carried out, the means of publicity employed, the main issues arising and how these influenced the final documents. Obtaining this information in other formats: If you would like this information in any other language, please contact us. If you would like this information in another format, such as large print or audiotape, please contact us at [email protected] or 01442 228660. CONTENTS PART 1: Page No. 1. Introduction 1 2. The Council’s Approach 3 3. Notification and Publicity 5 4. Results 7 5. Summary of the Main Issues 8 6. Changes Proposed 20 ANNEX A: METHOD OF NOTIFICATION 22 Appendices: Appendix 1: Advertisements and Press Articles 23 Appendix 2: Dacorum Digest articles 31 Appendix 3: Example of Display Material for Exhibitions 34 Appendix 4: Organisations and Individuals Contacted 40 Appendix 5: Sample Notification Letters 53 Appendix 6: Cabinet Report (July 2014) 58 Appendix 7: Minutes of Key Meetings 73 Appendix 8: Cabinet Report (October 2015) 81 PART 2: RESULTS (see separate document) Table 1 – List of Groups / Individuals from whom Representations 4 were received Table 2 – Breakdown of comments received 18 Table 3 - Main Issues raised and Council’s Response 19 1 INTRODUCTION 1.1 The Core Strategy for Dacorum Borough was found sound in 2013 and formally adopted on 25 September 2013. The Site Allocations Development Plan Document (DPD) is the second part of the new emerging Local Plan and forms part of the Local Planning Framework (LPF) for Dacorum. -
Members' Review
Make your MEMBERS’ vote count See inside REVIEW for details & Summary Financial Statement 2020 Always with your interest at heart FURNESS BUILDING SOCIETY MEMBERS’ REVIEW & SUMMARY FINANCIAL STATEMENT 2020 3 CONTENTS Performance Summary 4 Welcome from our Chief Executive 6 Directors’ Report 8-23 Strategic Review 8 Business Review 9-14 Risk Review 15-20 Our People and Members 21-22 The Year Ahead 23 Directors’ Remuneration Report 24-27 Team Biographies 28-30 Independent Auditor’s Statement 31-32 Notice of Annual General Meeting 2021 33 Summary Financial Statement 34-35 WWW.FURNESSSBS.CO.UK 4 PERFORMANCE SUMMARY Financial Strength Profit before tax Total Capital Ratio 22.06% 21.24% £4.11m 20.98% 20.25% 19.23% £3.74m £2.99m £2.35m £1.10m 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 Business Summary Retail Share and Deposit Balances Mortgage Balances £1,013.39m £911.10m £920.43m £915.49m £882.49m £824.41m £818.94m £763.68m £738.70m £696.29m 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 FURNESS BUILDING SOCIETY MEMBERS’ REVIEW & SUMMARY FINANCIAL STATEMENT 2020 5 WWW.FURNESSSBS.CO.UK 6 Welcome from our Chief Executive Dear Member, In the remarkable year which also saw us reach the end of the Brexit transitional Let me begin by sending period on 31 December 2020, we’ve sincere regards to all also continued to support local charities, our members after community groups and food banks. what has been an This includes £198,000 in affinity accounts incredibly difficult year payments on your behalf, of which for everybody. -
Full Proposal for Establishing a New Unitary Authority for Barrow, Lancaster and South Lakeland
Full proposal for establishing a new unitary authority for Barrow, Lancaster and South Lakeland December 2020 The Bay Council and North Cumbria Council Proposal by Barrow Borough Council, Lancaster City Council and South Lakeland District Council Foreword Dear Secretary of State, Our proposals for unitary local government in the Bay would build on existing momentum and the excellent working relationships already in place across the three district Councils in the Bay area. Together, we can help you deliver a sustainable and resilient local government solution in this area that delivers priority services and empowers communities. In line with your invitation, and statutory guidance, we are submitting a Type C proposal for the Bay area which comprises the geographies of Barrow, Lancaster Cllr Ann Thomson Sam Plum and South Lakeland councils and the respective areas of the county councils of Leader of the Council Chief Executive Cumbria and Lancashire. This is a credible geography, home to nearly 320,000 Barrow Borough Council Barrow Borough Council people, most of whom live and work in the area we represent. Having taken into account the impact of our proposal on other local boundaries and geographies, we believe creating The Bay Council makes a unitary local settlement for the remainder of Cumbria more viable and supports consideration of future options in Lancashire. Partners, particularly the health service would welcome alignment with their footprint and even stronger partnership working. Initial discussions with the Police and Crime Commissioners, Chief Officers and lead member for Fire and Cllr Dr Erica Lewis Kieran Keane Rescue did not identify any insurmountable barriers, whilst recognising the need Leader of the Council Chief Executive for further consultation. -
Lenders Who Have Signed up to the Agreement
Lenders who have signed up to the agreement A list of the lenders who have committed to the voluntary agreement can be found below. This list includes parent and related brands within each group. It excludes lifetime and pure buy-to-let providers. We expect more lenders to commit over the coming months. 1. Accord Mortgage 43. Newcastle Building Society 2. Aldermore 44. Nottingham Building Society 3. Bank of Ireland UK PLC 45. Norwich & Peterborough BS 4. Bank of Scotland 46. One Savings Bank Plc 5. Barclays UK plc 47. Penrith Building Society 6. Barnsley Building Society 48. Platform 7. Bath BS 49. Principality Building Society 8. Beverley Building Society 50. Progressive Building Society 9. Britannia 51. RBS plc 10. Buckinghamshire BS 52. Saffron Building Society 11. Cambridge Building Society 53. Santander UK Plc 12. Chelsea Building Society 54. Scottish Building Society 13. Chorley Building Society 55. Scottish Widows Bank 14. Clydesdale Bank 56. Skipton Building Society 15. The Co-operative Bank plc 57. Stafford Railway Building Society 16. Coventry Building Society 58. Teachers Building Society 17. Cumberland BS 59. Tesco Bank 18. Danske Bank 60. Tipton & Coseley Building Society 19. Darlington Building Society 61. Trustee Savings Bank 20. Direct Line 62. Ulster Bank 21. Dudley Building Society 63. Vernon Building Society 22. Earl Shilton Building Society 64. Virgin Money Holdings (UK) plc 23. Family Building Society 65. West Bromwich Building Society 24. First Direct 66. Yorkshire Bank 25. Furness Building Society 67. Yorkshire Building Society 26. Halifax 27. Hanley Economic Building Society 28. Hinckley & Rugby Building Society 29. HSBC plc 30. -
Grange-Over-Sands Civic Society
MAR 17 range now ISSUE 307 - G grangenow.co.uk Cartmel Priory is ‘Top of the Class’CLASS OF 2016 digital aerial & Shirley M. Evans LL.B satellite specialists ALAN SPEIRS Solicitor a Domestic Digital & Aerial Upgrades GENERAL BUILDER a Commerical Systems - Design & Install 5 Lowther Gardens, SPECIALISING IN RESIDENTIAL SALES ALL BUILDING WORK Grange-over-Sands, AND PROPERTY LETTINGS Sky Installation & Repairs For your FREE market appraisal contact Home Sound & Vision Systems UNDERTAKEN email: [email protected] our Grange Office on 015395 33302 r r Reg No: 18265860 Roofing, Plastering, New Builds, T: 015395 35208 F: 015395 34820 We also undertake Valuations FREESAT HD FREEVIEW for all purposes including Probate, Renovations & Joinery Work Inheritance Tax and Insurance d Grange 015395 32792 Tel: 015395 34403 “Here to Help” London House, Main St, Grange-over-Sands LA11 6DP d Mobile: 07798 697880 www.michael-cl-hodgson.co.uk Mobile: 07956 006 502 We are a family run business, Portabello with over 25 years experience. D Blinds & Curtains We pride ourselves on our reliable, PL Motors prompt and personal service. • Faux wooden interior shutters MoT & Service Centre only a three week delivery - P TYRES manufactured in the UK Free Local Collection AT TRADE PRICES • Venetian, roller, roman and & Delivery Why travel to Kendal? Save on fuel vertical blinds P and come to Flookburgh. FOR ALL YOUR SIGN REQUIREMENTS • Extensive, beautiful range of MoT’s while you wait made to measure curtains or by appointment For sizes & prices ring Leeroy or Deano Vehicle graphics • Conservatory blind specialists Love your 01524 702 111 P Free courtesy local Window graphics www.portabello.net • Approved Velux blind dealers Garage 015395 58920 cars & vans Mile Road Garage, Moor Lane, Flookburgh. -
14 March 2019 Savills Plc ('Savills' Or 'The Group') PRELIMINARY RESULTS for the FULL YEAR ENDED 31 DECEMBER 2018 Savi
14 March 2019 Savills plc (‘Savills’ or ‘the Group’) PRELIMINARY RESULTS FOR THE FULL YEAR ENDED 31 DECEMBER 2018 Savills plc, the international real estate advisor, today announces growth in both revenue and underlying profits in 2018. Key financial highlights – Group revenue up 10% to £1.76bn (2017: £1.6bn) – Underlying profit* up 2% to £143.7m (2017: £140.5m) – Statutory profit before tax decreased 3% to £109.4m (2017: £112.4m) – Underlying basic earnings per share (‘EPS’) grew 3% to 77.8p (2017: 75.8p) – Statutory basic EPS decreased 4% to 56.2p (2017: 58.8p) – Final ordinary and supplementary interim dividends total 26.4p per share (2017: 25.55p) taking the total dividend for the year up 3% to 31.2p per share (2017: 30.2p) * Underlying profit before tax (‘underlying profit’) is calculated on a consistently reported basis in accordance with Note 4 to this Preliminary Statement. Key operating highlights The diversity of the Group, both geographically and in our service offering, and the integration of recent acquisitions delivered growth in both revenue and underlying profits in 2018. • Transaction Advisory revenues up 9%. Further growth from our less-transactional services with Property and Facilities Management revenue up 14% and Consultancy revenue up 8%. • Strong growth from Europe & the Middle East, both organic and through the integration of Aguirre Newman in Spain and the acquisition of Cluttons Middle East in May 2018. • North America delivered significant growth in the occupier-focused business with revenue up 18% and underlying profit up 64%. • Savills Investment Management successfully mitigated the expected significant decline in activity relating to disposals from liquidating the SEB Open-Ended Funds, raising £2.4bn in new funds, with AUM up 12% to £16.4bn.