Latest financial services news, mortgage news, investments news, insurance news and more from Personal Touch Financial Services.

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Personal Touch News

Your feedback matters

Thank you for attending an Advice Quality Workshop last month.

These events were a fantastic opportunity for your member competence consultant to provide you with tools and insight to help you package cases right first time.

To help us continue to provide a valuable training programme, we’d like to find out what you thought of your workshop.

We’d be grateful if all attendees could complete our short survey here.

Source: Personal Touch Update

Webinar: new PRA buy to let portfolio regulations by Santander

Don’t forget to register!

You are invited to Santander’s webinar on the 30 November at 11:00
Find out more about the new PRA buy-to-let portfolio regulations and Santander’s requirements for portfolio landlords.
Email to book your place.


Source: Personal Touch Update

Finance News

UK pay squeeze tightens but unemployment dips

Wages continue to lag behind the cost of living in the UK, while unemployment remains at a 42-year low.

Workers’ earnings, excluding bonuses, rose 2.2% in the three months to September compared with a year ago, the Office for National Statistics said.

But they fell 0.5% in real terms when accounting for inflation, marking seven months of negative pay growth.

The number of jobless – people not in work but seeking a job – fell 59,000 to 1.42 million during the period.

With inflation at a five-and-a-half-year high of 3% in October, pay is failing to keep up with higher prices.

Read the full article here

Source: BBC Finance News 2nd November 2017

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UK pay squeeze tightens but unemployment dips


Protection News 

Tools to help your protection conversations*

At Aviva, They are dedicated to helping you provide your clients with cover that protects them when they need it most. Sometimes that means highlighting the protection needs they might not have thought about themselves.

Their research has found that parents are more likely to insure their physical possessions than their health or income, with perceived affordability found to be the most common barrier.

Almost 1 in 4 families have nothing saved

Income Protection

Their protecting our families report (March 2017) reveals that 19% of families, who lost income due to ill health had to downsize, move in with family or rent-some even became homeless. Income protection may have helped them to stay in their homes.

Critical Illness

This report shows that 76% of parents have no plan for dealing with reduced income for health reasons, which means they may struggle with the additional expenses a serious illness can bring.

Life Insurance

68% of parents have no plan in place for dealing with the impact of their death or the death of their partner – another key insight revealed by our report. Now could be the time to help them protect their family.

Source:  Protecting our Families Report, March 2017.  Based on families with dependent children

Find out how our tools and resources can help here


*For adviser use only. Not approved for use with customers


Source: Aviva Newsletter 15th November 2017

Making the protection conversation easier

Royal London Good Parent Portfolio recommends a holistic approach to protection that demonstrates the value of your advice and opens up new protection opportunities.  We’ve created four short videos to show you how the Good Parent Portfolio could help you and your clients.

Click on the image below to watch the video.

Royal London

SourceRoyal London e-newsletter (received 13 November 2017)

Leave a small financial gift

AIG have created an Over Fifties Life Plan to meet the growing needs of your customers.

A simple online application with guaranteed acceptance, our Over Fifties Life Plan offers an easy and streamlined process.

Read AIG latest Spencer story to understand how their Over Fifties Life Plan was the solution Alison Spencer had been looking for.

To find out more, visit

Source: AIG Newsletter 10th November 2017

Mortgage News 

Struggling to place high value proprierties with lower rental yields?

Precise Mortgages limited edition 5 year Fixed Buy to Let Mortgage product could help your customers achieve the loan size they’re looking for. With a rental cover ratio calculated using a 3.09% assessment rate the product:

• Has a maximum loan size of £3m (minimum loan size of £300,000)
• Is available to individuals and limited companies
• Has a 3% product fee
• Is available up to 75% LTV

Don’t forget, the product has a pay rate and assessment rate of 3.09%. Click here to see further product information.
To discuss the product and associated criteria please contact a member of Precise Mortgages recently extended Sales Team. You can find their details here.

Source: AIG Newsletter 10th November 2017


Don’t forget to register to Personal Touch LIVE 2018

Our flagship event is returning for 2018… 

Date: Thursday 18 January 2018

Venue: VOX Centre, Birmingham


Countdown to the Event


Get a sneak preview and register here!


And Finally… 

Five ways to make sure you don’t waste your cash on presents people don’t want

Whether buying for your work Secret Santa or a searching for something for your close family, it’s not always easy to buy the perfect gift. And even if you think you’ve found one, it doesn’t mean the person you give it to will feel the same.

Click here to read the full article

Source: The Money Advice Service 15th November 2017

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Five ways to make sure you don’t waste your cash on presents people don’t want