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Online Investment – the Forest and the Trees

Online Investment – the Forest and the Trees Futures. Day trading. International markets. Online brokerages. The barrage of investment opportunities on the internet can drive off as many investors as it should attract. There is simply too much noise; that's why even small regional banks have asset management services available in their storefronts. Today's potential investor is most likely looking for help in vetting the amount of information being thrown at him, rather than seeking more. Probably the best approach…

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Invitation Homes refinancing another 2 single-family rental securitizations

Invitation Homes is refinancing another two single-family rental securitizations originally issued in 2015, and it’s cashing out equity in the process, according to rating agency presale reports. The properties securing these two transactions, Invitation Homes 2015-SFR1 and Invitation Homes 2015-SFR2, will be bundled into collateral for a new transaction called Invitation Homes 2018-SFR1. The new deal will be backed by a $1.06 billion loan that is secured by first-priority mortgages on 5,614 income-producing single-family homes. The collateral includes roughly 45.3%…

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7 tips to prevent horses in transit from dehydrating

You might own the snazziest motorised horsebox or horsebox trailer on the market but no matter how stylishly they travel, horses in transit can easily dehydrate in hot weather. But, with horses in transit it’s not always easy to spot signs of dehydration. If they do dehydrate, however, the consequences can be heartbreaking. They will not perform at their best, but that will be the least of your worries, because they will also be as risk serious of long-term health…

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FCA data reveals huge surge in PPI complaints

Increase in second half of 2017 coincides with launch of advertising campaign, starring Arnold Schwarzenegger, to publicise claims deadline. Complaints about payment protection insurance (PPI) in the second half of 2017 soared to the highest level seen for more than four years, according to figures from the Financial Conduct Authority (FCA). Complaints about PPI hit 1.55 million in the six months, up 40% on the first half of the year. The FCA’s analysis is based on the data supplied to…

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Commonwealth Bank says it charged dead clients for advice

Australia’s top bank has admitted to charging fees to clients it knew had died years previously. Commonwealth Bank of Australia (CBAUF) told a government inquiry Thursday that the practice of billing deceased customers for financial advice stretched back years. In one instance, an adviser at the bank’s financial planning business was collecting fees from a client more than a decade after they had died. The revelations emerged as part of a so-called royal commission hearing, which is probing malpractice in…

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Hammerson PLC’s U-turn welcomed by brokers but “orphaned” Intu Properties PLC is left in the cold

The PLC () directors are facing a “Martin Sorrell day of reckoning” after jilting Properties PLC () at the altar this week. That’s the view of US broker Jefferies, which reckons the Hammerson board’s position is now untenable after it rebuffed a bid approach from French real estate company Klepierre to pursue its takeover of Intu only to get cold feet over the latter after some shareholders expressed displeasure. READ French real estate group Klepierre gives up…

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Hampshire Trust Bank increases buy-to-let and HMO LTV and max loan value

Hampshire Trust Bank has increased the loan-to-value ratio on its buy-to-let and house in multiple occupation (HMO) 5-year fixed rate to 75% and increased the maximum loan size to £5m. The rate is 4.39% and a valuation refund of up to £1,000 has been introduced for loans over £1m. Full arrangement fees can be added to the loan, there is no administration fee and the interest cover Ratio (ICR) is stressed at fixed rate. David Whittaker, managing director at Mortgages…

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Create A Custom Digital 1003 Mortgage Application

Create A Custom Digital 1003 Mortgage Application | BNTouch Mortgage CRM Customize Your Digital 1003 Mortgage Application Streamline your application process with our improved and completely customizable digital 1003 mortgage application. Create a 1003 that works for your borrowers, just send them a link to their custom online portal and they’ll be able to fill out their 1003 application online with ease. We’ve created a completely unique 1003 experience here that you’ll be able to…

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$300m Caelus Re V 2018 cat bond launched for Nationwide Mutual

Nationwide Mutual is back looking for another slice of multi-peril reinsurance protection with a new catastrophe bond issuance, a $300 million Caelus Re V Ltd. (Series 2018-1) transaction that marks the insurers return at a time when its in-force cat bond coverage is still facing losses.Nationwide Mutual has been sponsoring catastrophe bonds for a decade now, with this new Caelus Re V 2018-1 transaction set to be the insurers seventh in the Caelus series of cat bonds. With its latest…

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How to Chose the Right Level of Voluntary Car Insurance Excess

Excessive Excess: What’s the right level of voluntary insurance excess? Most motorists assume that one of the easiest ways to drive down the cost of their car insurance is to bump-up their claims excess, but a recent report has revealed that opting for a higher excess might not make financial sense. Calculating insurance premiums is all about calculating risk and if the policyholder can shoulder some of the risk it stands to reason that they should be rewarded with lower…

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