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

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Santander’s PRA Buy-to-let webinar


11 January at 11:00am

Their wide range of Buy to Let mortgages gives your clients a choice of different products, LTVs and product fees as well as:

  • Free standard valuation up to a property value of £2.5m – available on all products.
  • Plus either standard legal fees paid (and free checking of the Assured Shorthold Tenancy) or £250 cashback for Buy to Let re-mortgages. Early repayment charges apply.

They will explain how recent service improvements will make it easier for you to do business with them as well as some important lending criteria changes


Finance News 

Pensions: Automatic saving to start at 18 under new plans

Every worker aged 18 or over will begin saving into a workplace pension unless they opt out, under government plans to extend its automatic enrolment scheme.

At present, the scheme means employers must enrol staff aged 22 and over and earning above £10,000 into a pension.

Ministers hope to reduce the minimum age to 18 in the mid 2020s, and say it will affect about 900,000 young people.

The system has been credited with ensuring more prepare for older age, but it means extra costs for employers.

It has been introduced gradually since October 2012.

Read the full article here

Source: BBC News 17th December 2017

The article is now available to share on social media:

Pensions: Automatic saving to start at 18 under new plans

Mortgage News 

Right to Buy Mortgage

3.49% Variable Discount rate for 5 Years

  • 100% LTV of the purchase price
  • £250 Application Fee
  • Minimum loan size £30,000
  • No Credit Scoring
  • 12 months proof of rental payments required
  • Satisfied Defaults and CCJ’s allowed up to £500 (none within last 12 months)
  • Online application system


For further criteria or general information please click on to or contact your BDM, Sue Pedley on 07983 221869 or our broker helpline on 01782 255159

They’re here to help you every step of the way


Source: The Hanley Economic Building Society 13th December 2017

Protection News 

Helping you sell in an instant

AIG have a range of tools available to help make selling their Instant Life Insurance simple, quick and easy. Simply click on the tabs below for the tool you want.

Sales Aid


Introduction video


Simon Spencer’s story


Dedicated webpages


Lifestyle blog

If you have any questions at all, just give AIG a call on 0345 600 6829.

Keep up to date with the latest at AIG Life

To find out more, visit

Source: AIG Newsletter 15th December 2017

What’s for dinner tonight?

Imagine looking at your bank balance and realising that the money left wasn’t enough to buy food for dinner tonight.

I’m not talking about not having enough to get a takeaway on the way home, or enough to buy some garlic bread to complement the spaghetti bolognese you made last night. I mean so little that you can’t afford to buy a box of value-range cornflakes, let alone the milk to make them palatable.

Read more.

Royal London

Source: Royal London Newsletter December 2017


Personal Touch LIVE 2018: Last chance to register before the New Year!

Date: Thursday 18 January 2018

Venue: VOX Centre, Birmingham


If you haven’t registerd yet click here 

We’re delighted to bring you a preview of the day’s agenda and the opportunity to secure one of the remaining places available at 2018’s unmissable flagship event.

Exclusive Agenda Preview

With just under three weeks until voting closes, don’t forget to cast your votes for our financial excellence awards!

Cast your vote here!


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And Finally… 

The last minute ways to save on Christmas

The best way to be #XmasReady is to plan as far in advance as you can, but there are a few ways you can grab a last minute bargain just days before Christmas.

Click here to read the full article

Source: The Money Advice Service 19th December 2017

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The last minute ways to save on Christmas