Please Click on This Link to See All the Different Lenders We Can

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Please Click on This Link to See All the Different Lenders We Can

Through our mortgage service we give you access to a wide choice of mortgages from many different lenders. As part of this service we will assess your individual circumstances against the lenders and mortgage deals we have access to and give you expert advice on the most suitable product for your needs. All of this is designed to help you get the mortgage you are looking for based on what you can afford and ensuring you don’t pay over the odds. To follow are details of the lenders we advise on: Accord Mortgages Airdrie Savings Bank Aldermore Bank Bank of China Bank of Ireland Barclays Bath Building Society Beverley Building Society Bluestone Mortgages BM Solutions Buckinghamshire Building Society Cambridge Building Society Chorley Building Society Clydesdale Bank Coventry Building Society Darlington Building Society Dudley Building Society Earl Shilton Building Society Family Building Society Fleet Mortgages Furness Building Society Godiva Mortgages Halifax Harpenden Building Society Hinckley & Rugby Building Society Hodge Holmesdale Building Society HSBC Ipswich Building Society Kensington Kent Reliance Keystone Buy to Let Mortgages Leeds Building Society Leek United Building Society Magellan Homeloans Mansfield Building Society Market Harborough Building Society Marsden Building Society MBS Lending Melton Mowbray Building Society Metro Bank Monmouthshire Building Society Mortgage Trust Nationwide Building Society New Street Newbury Building Society Newcastle Building Society Nottingham Building Society Paragon Platform Precise Mortgages Principality Building Society Progressive Building Society RBS Intermediary Partners Saffron Building Society Santander Scottish Building Society Scottish Windows Bank Skipton Building Society Stafford Railway Building Society The Mortgage Lender The Mortgage Works Tipton & Coseley Building Society TSB Ulster Bank Virgin Money West Bromwich Building Society New Roots Finance Ltd l 76 High St, Horsforth, Leeds, LS18 4AP T: 0113 403 2403 E: [email protected] W: www.newrootsfinance.co.uk New Roots Finance Ltd is an Appointed Representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority. Registered Address: Devine House, 1299-1301 London Road, Leigh-On-Sea, SS9 2AD. Registered in England and Wales. Company Number 09928723. Directors – Daniel & Netta Pegler.. .

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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
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Lender Action Required What Do I Need to Do? Express Payments?
express lender action required what do i need to do? payments? how will i be paid? You can request to be paid within Phone Accord Mortgaegs’ Business Support Team 24 hours of the lender confirming Accord Mortgages Telephone Registration on 03451200866 and ask them to add ‘TMA’as a Yes completion by requesting a payment payment route. through ‘TMA My Portal’. Affirmative Finance will release Registration is required for Affirmative Finance, the payment to TMA on the day of Affirmative No Registration however please state ‘TMA’ when putting a case No completion. TMA will then release Finance through. the payment to the you once it is received. Aldermore products are only available via carefully selected distribution partners. To register to do business with Aldermore go to https;//adlermore- brokerportal.co.uk/MoISiteVisa/Logon/Logon.aspx. You can request to be paid within If you are already registered with Aldermore the on 24 hours of the lender confirming Aldermore Online Registration Yes each case submission you will be asked if you are completion by requesting a submitting business though a Mortgage Club, tick payment through ‘TMA My Portal’. yes and then select ‘TMA’. If TMA is not already in your drop down box then got to ‘Edit Profile’ on the ‘Portal’ and add in ‘TMA’ Please visit us at https://www. Payment will be made every postoffice4intermediaries.co.uk/ and Monday to TMA via BACs. Bank of Ireland Online registration https://www.bankofireland4intermediaries. No Payment is calculated on the first co.uk/ and click register, you will need a Monday 2 weeks after completion profile for each brand.
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Chorley and District Building Society Reviews Mortgage
Chorley And District Building Society Reviews Mortgage Cyrille remains mechanical: she probes her plight Indianises too surpassingly? Municipal Orton eagles his congealment classicize genteelly. Gabriele initials dreamingly while upcoming Alston repeoples incomparably or detour equably. This includes associated rates of the prudential regulation and district building society was always free and correct errors or tertiary lending product or assets As well as interest rates and minimum deposit limits, some accounts will come with free perks and all sorts of other benefits to try and draw you in. There was an error loading markets data. The following is an incomplete list of building societies in the United Kingdom that no longer exist independently, since they either merged with or were taken over by other organisations. Suitably qualified advisers will depend on service and in halifax review your mobile and our breaking news in a better rate and regulated firms. Ltd, which are authorised and regulated by the Financial Conduct Authority. Low cost and taxes to take time you do i appreciated having worked above and guidance we can post and focus our commitment to interact is their reviews and district building society to running. Locally situated, Staffed by local people, giving a friendly, helpful service. Manchester: Manchester University Press. DM Financial Services is a trading style of Discount Mortgages Ltd who is authorised and regulated by the Financial Conduct Authority. We have insurance covered! That helps us fund This Is Money, and keep it free to use. For the best experience on our site, be sure to turn on Javascript in your browser.
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Skylines September 2020
September 2020 SkylNewsletterines brati ele ng C 2 1 Years Registered Charity no: 1075641 www.nwaa.net | 0800 587 4570 02 •03 Welcome to this jam-packed edition of Skylines! Contents I would like to give my sincerest thanks to all our supporters and volunteers for their continued support and well wishes, during what has been a challenging time for each and every one of us. It really has been 04. Celebrating 21 years of saving lives! overwhelming to see how loved our wonderful charity is, and we are all 06. Get ready, get set, Go21! truly grateful. 09. Joining forces to save lives In this edition, on pages 10-11, you can read the incredible and inspiring 10. Meet our patients stories of Nick, David and Emma, who would not have survived without our lifesaving service, which relies on your support. 13. Reaching new heights with our Lift off Lotto Hello 14. Calling all employers Turn to pages 4-5 to see just how the crew celebrated our charity’s 21st 15. Planning for the future birthday. They certainly know how to have fun, and the birthday cake went 16. Dress for less down a treat! 18. Thank you We’d love you to join in our birthday celebrations, by taking part in Go21! It’s easy - set yourself a challenge, have some fun and raise funds to celebrate 21 years of our lifesaving service. You can choose any activity you’d like, whatever your age or ability. Turn to pages 6-7 to find out more. We look forward to seeing your pictures on social media soon very soon.
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Purchase of a Leasehold Residential Property
Purchase of a Leasehold Residential Property This guide will provide an indication of our fees, but we do recommend that you telephone us on 01229 828814 to discuss your particular circumstances and obtain a free, no obligation quote. The more information we have at the outset, the more accurate the quote will be. Our fees cover all of the work required to complete the purchase of your new property, including dealing with registration at the Land Registry and payment of any Stamp Duty Land Tax (Stamp Duty) if the property is in England, or Land Transaction Tax (Land Tax) if the property you wish to buy is in Wales. Our basic fixed-fee costs assume that the property is a registered leasehold house in a town, funded by one mortgage and a deposit from the buyer(s). There is an extra fee for new build properties, to cover the additional work involved, likewise if Help-to-Buy ISAs are involved. Please note that if there are unusual or complex issues related to your purchase, further charges may apply. Rural properties and non-standard dwellings often have specific issues, and we would need to obtain further information from you before quoting. Examples of factors that would typically increase our fees: • if legal title is defective, or if all or part of the property is unregistered • if we discover building regulations or planning permission has not been obtained • if the purchase involves a gifted deposit • if the property is a non-standard dwelling, including flats and maisonettes • if the property is purchased via auction • if there are unusual mortgage conditions, e.g.
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UK Property Finance: Expats & Overseas Residents
UK property finance: Expats & Overseas Residents +44 (0) 20 3786 7270 [email protected] 2 Financing UK property The mortgage market has become increasingly As a result, it’s no longer the major banks who challenging for anyone based outside the UK specialise in UK mortgages for expats and other seeking finance on UK property. A few years overseas residents. Instead, it’s a range of smaller, ago, major players such as Lloyds International, niche lenders that have the appetite to lend for a Barclays, Bank of Scotland and RBS International UK purchase or remortgage. provided competitive and convenient finance to expats and other overseas residents. However, with no branches or local representation, accessing these lenders can be Recently, things have changed. The financial crisis tough. That’s where Altura comes in. With strong saw major lenders retreat to domestic, UK-based relationships with a wide range of private banks, clients. New regulations governing residential challenger banks and regional building societies, mortgages have resulted in a forensic focus on we can find the right lender for you; whatever affordability and an increasing requirement for your situation, whether for investment or as a advice. Buy to Let changes have led to tougher future home. rental stress tests and greater underwriting demands for portfolio landlords. Technology has had an impact too. Major lenders are increasingly relying on algorithms to make automated lending decisions, much of which is +44 (0) 20 3786 7270 reliant on a ‘credit footprint’ via a credit agency [email protected] such as Experian or Equifax. If, however, you’ve been in Hong Kong, Dubai or New York for the last www.alturafin.com ten years, you’re not going to show much on an Experian report.
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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.
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List of Building Society Brands Protected by the Same FSCS
LIST OF BUILDING SOCIETY BRANDS PROTECTED BY THE SAME FSCS COVERAGE COMPILED BY THE BANK OF ENGLAND AS AT 05 DECEMBER 2019 Banking and Savings Brand PRA-authorised institution FRN Other deposit brands covered by FSCS coverage 200785 Nottingham Building Society Beehive Money Nottingham Building Society 200785 Beehive Money 200785 The Nottingham 106085 Yorkshire Building Society Chelsea Building Society Yorkshire Building Society 106085 Chelsea Building Society 106085 The Chelsea 150892 Coventry Building Society Coventry Building Society Coventry Building Society 150892 The Coventry 206080 National Counties Building Society Family Building Society National Counties Building Society 206080 Family Building Society 206080 National Counties Building Society National Counties Building Society National Counties Building Society 206080 Family Building Society 200785 Nottingham Building Society Nottingham Building Society Nottingham Building Society 200785 Beehive Money 200785 The Nottingham 100015 Saffron Building Society Saffron Building Society Saffron Building Society 100015 Saffron Direct 100015 Saffron Moneytree 104877 West Bromwich Building Society West Bromwich Building Society West Bromwich Building Society 104877 The West Brom 106085 Yorkshire Building Society Yorkshire Building Society Yorkshire Building Society 106085 Chelsea Building Society 106085 The Chelsea Note: Not all banking and savings building society brands protected by the FSCS are included in this table – only those which share FSCS depositor protection coverage with other brands. A full list of currently authorised building societies is available on the Building Societies Association PRA website. This list is updated monthly (www.bankofengland.co.uk/prudential-regulation/authorisations/which-firms-does-the-pra-regulate). Please note that the information noted above relates to the authorised institutions in the relevant sector as at the date noted and is not updated on a continuous basis.
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Kensington House, Ackhurst Business Park, Chorley, Lancashire PR7 1NY
Kensington House, Ackhurst Business Park, Chorley, Lancashire PR7 1NY TO LET property. High Quality Prominent Detached Office Building With Parking Rating 4,525 sq ft The property has a current rateable value of £55,500, with rates • Modern two storey office accommodation payable anticipated to be in the region of £27,500. • Ample on site parking within business park setting Lease Terms • Easy access to M6 and M61 motorways The property is available by way of a new lease for a minimum Location period of 5 years to be held on a full repairing and insuring basis. Ackhurst Business Park is situated in one of Chorley's prime Service Charge business locations, approximately one mile from Chorley town A service charge is levied on occupiers within the development to centre and within easy reach of the national motorway network. cover landscaping, gritting, external lighting, waste removal, etc. It is anticipated to be in the region of £1.10 per sq.ft for the full Occupiers in the vicinity include NFU Mutual, EGI Carpets, building. Chorley Building Society and Northern Trust. Building Insurance Description Landlord to insure the building and charge the premium to the The property comprises a high quality detached prominent office tenant. Insurance payable at 25p per sq.ft, reviewed on an annual building benefiting from the following specification : basis. ~ Predominantly open plan space VAT ~ Full double glazed windows VAT is applicable to figures quoted in these particulars ~ Reception area with WC facilities and cleaners store ~ Carpet tiled floors Deposit ~ Suspended ceiling incorporating recessed lighting In certain circumstances a deposit will be required to be paid in ~ Ample on site parking advance and to be held for the duration of the term.
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Minutes and Report Extracts
A MEETING OF THE KING’S LYNN INTERNAL DRAINAGE BOARD WAS HELD IN THE BOARD ROOM, KETTLEWELL HOUSE, AUSTIN FIELDS INDUSTRIAL ESTATE, KING’S LYNN, NORFOLK ON FRIDAY, 13 MARCH 2020 AT 9.30 AM. Elected Members Appointed Members J R Askew King’s Lynn & W N B C K Banham * B Ayres * Ms S Keene * A Bubb * R S Markillie * C Crofts * S A R Markillie * I Devereux * T Matkin * Lord Howard of Rising * Mr N Padwick * J Kirk * M Riddington * P Kunes * J Symington * B Long * A Whitehead * Mrs E Nockolds * D Whitby Fenland District Council D Topgood * Present (86%) Mr B Long in the Chair In attendance: Mr C Beaumont (WMA Project Engineer), Ms M Neale (Project Manager) Ms J Nobbs (Senior Sustainable Development Officer), Mr P Camamile (Chief Executive), Miss S Jeffrey (Finance and Rating Manager), Mr R Taylor (Operations Manager), Mrs K Byrne (Business Support Officer) and Ms K Bingham (Business Support Officer) ID King’s Lynn IDB, Minute Action 26/20 APOLOGIES FOR ABSENCE 26/20/01 Apologies for absence were received on behalf of Messrs J Askew, K Banham and D Topgood. 27/20 WELCOME AND INTRODUCTIONS 27/20/01 Mrs Katie Byrne and Ms Karen Bingham were welcomed to their first Board meeting in their role as Business Support Officers for the WMA. Ms Jess Nobbs was also welcomed to her first Board Meeting as the WMAs Senior Sustainable Development Officer. 28/20 DECLARATIONS OF INTEREST 1 ID King’s Lynn IDB, Minute Action 28/20/01 There were no declarations of interest made, other than those already recorded in the Members’ Register of Interests.
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Reframing Building Societies and Mutual Insurers: Collaboration As a Source of Competitive Advantage
Reframing Building Societies and Mutual Insurers: Collaboration as a source of competitive advantage Dr. Ruth Yeoman, Kellogg College, University of Oxford Dr. Daniel Tischer, Alliance Manchester Business School 1 Acknowledgements Acknowledgements The views expressed in this paper are those of the authors, but we are grateful to the Building Societies Association and the Association of Financial Mutuals for providing funding and valuable feedback. Many thanks, also, to the building societies, mutual insurers and others who participated in the interview phase of the study. We are indebted to the Advisory Group who commented upon the progress of the research and offered important insights. The members of the Group were: Robin Fieth Kelvin Malayapillay Andrew Gall Mark Robinson Andy Haldane Hector Sants Geoff Knappett Martin Shaw Finally, we wish to thank our colleagues, Professor Jonathan Michie, Director of the Centre for Mutual and Employee-owned Business, Kellogg College, and Andrew McFaull, Kings College, University of London, who acted as Research Assistant for the project. Authors Dr Ruth Yeoman is a Research Fellow at the Centre for Mutual and Employee-owned Business, Kellogg College and the Saïd Business School, University of Oxford. Her research centres on the ethics and practices of mutuality and meaningfulness. She works with public and private sector organisations on how to apply the values and principles of mutuality to systems and organisations, including governance, leadership and change. Recent projects include: research on ‘Mutuality and Integrated Healthcare’ funded by Oxford’s John Fell Fund; ‘Mutuality in Business’, funded by Mars Inc.; and leading an international collaboration on ‘Meaningful Work’. Her book, Meaningful Work and Workplace Democracy: a philosophy of work and a politics of meaningfulness, is published by Palgrave Macmillan.
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MORTGAGE CREDIT DIRECTIVE General Information for Regulated Mortgages
In branch 0800 072 1100 saffronbs.co.uk MORTGAGE CREDIT DIRECTIVE General Information for Regulated Mortgages Saffron Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages and Will Writing. SBS_MCD_22.3.2016_a The following contains general information we are required to make available in relation to regulated mortgage contracts. 1. Address Saffron Building Society 1A Market Street, Saffron Walden, Essex CB10 1HX 2.Purpose of credit We offer Mortgages which can be used for house purchases, re-mortgage, further advance, building your own home, or consumer buy-to-let. 3.Security Mortgages offered by Saffron Building Society must be secured by a first legal charge or mortgage on a UK property. 4.Duration Our Mortgages are offered over a minimum repayment term of 5 years and a maximum term of 40 years. This does not apply to Self Build Mortgages. 5.Saffron Building Society offers the following types of interest rate: Fixed: A fixed rate mortgage provides the comfort of fixed mortgage payments until an agreed date, no matter what happens to interest rates. • Monthly Payments: these are fixed for the duration of the fixed rate period, and because the interest rate doesn’t vary, monthly payments will remain the same regardless of what happens to interest rates. • At the end of any fixed rate period the borrower will automatically move onto a variable rate. The borrower can choose to stay on this rate, or could apply for a new fixed or discounted mortgage available at that time.
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