RMG ROUNDUP. Residential Management Industry News and Updates RMG RETAINS INVESTORS IN PEOPLE NEW RMG WEBSITE LAUNCHED
|
|
- Russell Payne
- 5 years ago
- Views:
Transcription
1 RMG ROUNDUP rmgltd.co.uk Residential Management Industry News and Updates SUMMER 2016 Welcome to the summer issue of the Residential Management Group newsletter. In this issue RMG is pleased to announce the launch of our new corporate website and update you on the work we do to support a range of charities. We also provide details of the latest important regulatory and legislative changes which impact the industry. Remember, our new Paperless system means that you can opt to receive all your correspondence from us by including this newsletter. So if you haven t already, sign up today by visiting: RMG RETAINS INVESTORS IN PEOPLE Since 1991 Investors in People has set the standard for better people management. The Investors in People Standard defines what it takes to lead, support and manage people well for sustainable results. RMG recognise the importance of investing in the training and career development of its staff and we are proud to announce that we have successfully retained the accreditation following a recent reassessment. Hugh McGeever Managing Director, RMG NEW RMG WEBSITE LAUNCHED RMG are delighted to announce that our new corporate website is now live. I hope you agree that the layout is much clearer and easier to navigate. The new design allows you to easily interact with us via live chat, Twitter and access your RMG Living account. You can also read previous versions of our newsletter, catch up on our latest news and read important industry updates. You can check out the new site by visiting: rmgltd.co.uk 01
2 THE IMMIGRATION ACT 2016 The Immigration Act 2016 (IA 2016) is to introduce further new sanctions to enforce immigration laws and has particular relevance to those of you who sublet a property. The provisions in the IA 2016 develop the right to rent measures that were introduced by the Immigration Act 2014, prohibiting private landlords of residential properties from allowing certain people to occupy those properties, based on their immigration status. It is intended to make it easier for landlords to evict illegal immigrant tenants. In some circumstances, landlords will be able to evict without a court order. Landlords will obtain a notice issued by the Home Office confirming that the tenant is disqualified from renting in the UK as a result of the tenant s immigration status. On receipt of the notice, the landlord will be expected to ensure that the illegal immigrant leaves the property. The IA 2016 will also introduce four new criminal offences targeted at landlords who repeatedly fail to carry out right to rent checks and fail to take steps to remove illegal immigrants from their properties. Landlords and agents could face fines, imprisonment and additional sanctions under the Proceeds of Crime Act FOREIGN COMPANIES THAT OWN PROPERTY IN THE UK HOUSING AND PLANNING ACT 2016 On 19 th May 2016 it was announced that any foreign company that wants to buy UK property or bid for central government contracts will have to join a new public register of beneficial ownership information before they can do so. This will be the first register of its kind anywhere in the world. For the first time, foreign companies that already hold or want to buy property in the UK will be forced to reveal who really owns them. 40 jurisdictions, including a number of Overseas Territories and Crown Dependencies with major financial centres will automatically share beneficial ownership information. The register will also include companies who already own property in the UK. It is estimated overseas companies own 100,000 properties in England and Wales, with more than 44,000 of them in London. On 12 th May 2016 the Housing and Planning Act 2016 was passed. The Act has the strategic objectives of increasing the output of new build homes, and improving the affordability of home ownership for first time buyers. However, it also has some implications for existing landlords and tenants: Starter Homes are to be introduced as an affordable housing category on new build developments. Banning orders are being introduced for rogue landlords and agents, together with a database of landlords and letting agents subject to banning order convictions. The Secretary of State now has the power to impose duties on private landlords of residential premises in England to ensure that properties that they let comply with electrical safety standards (no date has been set for implementation). rmgltd.co.uk 02
3 PERSONS OF SIGNIFICANT CONTROL (PSC) REGISTER From 6 th April 2016, the Register of People with Significant Control Regulations 2016 brought into force aspects of the Small Business Enterprise and Employment Act This legislation introduced a new statutory register for companies to maintain. The Persons with Significant Control Register must contain details of all persons who satisfy one of five tests for significant control. The tests for significant control are if a person (or company): 1. Owns more than 25% of the company s shares (directly or indirectly); 2. Owns more than 25% of the company s voting rights (directly or indirectly); 3. Has the right to appoint or remove a majority of the board of directors of the company; 4. Has significant influence or control over the company; and/or 5. Has significant influence or control over a trust or firm which has significant control over the company. All affected companies must: 1. Identify any Persons with Significant Control; and 2. Obtain the information to be entered into its PSC Register and confirm its accuracy. If the company does not have the information it must take certain steps to try and obtain it. If you are a client or customer and have any questions on these new requirements then please contact Hertford Company Secretaries via hcs@rmg.gb.com. If you do not currently make use of our company secretarial services and would like some further information then please contact Hertford Company Secretaries via hcs@rmg.gb.com. NEW CUSTOMER SERVICE MANAGER APPOINTED Earlier this year, RMG appointed a new Head of Customer Service, Darren Alexander. Darren has an extensive background in customer service businesses and has managed many customer service centres in his career, both large and small. Darren firmly believes in empowering staff to deliver a great customer experience. Darren comments: Excellent customer service is about listening to our customers and ensuring that they all get that personal touch. As has been said on many occasions Customers may forget what you said but they ll never forget how you made them feel. That s the ethos I want to instil in my team. By working with our customers and resolving their concerns at the earliest opportunity, we can all benefit. rmgltd.co.uk 03
4 REDUCING ENERGY CONSUMPTION In late 2015, RMG managed Capital Square in Chelmsford underwent the first phase of a series of extensive lighting upgrades. The site has historically had very high energy bills as many lights worked 24/7. Property Manager Annie Gleeson worked together with the resident directors to deliver a solution to the issue. After a survey by contractors Lakeview and a vote at the AGM, it was decided to carry out a phased LED lighting upgrade. The first phase of the works is now complete and has resulted in a substantial reduction in the total energy costs for the site. Lighting now operates on a sensor system with contractors Lakeview commenting together with them being naturally more energy efficient, [these works] will result in energy costs reducing significantly. Residents agree that the upgrade has totally transformed the development. We are very pleased with the LED upgrade to our lighting system...the new light units use one tenth of the electricity and actually provide more light. Every resident has expressed approval. Terry Dackombe, Director. Phase 2 of the works are scheduled for later this year. F&S PROPERTY MANAGEMENT Following acquisition in June 2015, F&S Property Management in Southampton is now firmly established as part of the RMG stable. The company has retained its local and independent approach to property management and lettings and will continue to serve its existing customers from our Southampton office. Richard Wilkinson heads the F&S team and believes the company is in better shape than ever and ready for growth; Since joining RMG we have been able to continue to provide the bespoke and local service our customers expect but we now have access to the additional services and support provided by the wider RMG group. A new F&S website with access to on line services and web chat will be launched later this year. To contact F&S Property Management you can call , , customerservice@fspropertymanagement.co.uk or visit the office at 9 Carlton Crescent, Southampton, Hampshire. SO15 2EZ rmgltd.co.uk 04
5 CONTACT US If you have a query, why not give us a call? Call: (24 hours a day, 7 days a week) customerservice@rmg.gb.com Visit: and speak to one of our advisors via our chat service. RMG EMPLOYEES RAISE MONEY FOR CHARITY RMG staff across the country have been raising money for some incredible causes. Marie Vernon from the Northwich office ran the Heart FM Race for Life earlier this year and raised over 200 for cancer research. The 5K race was in Delamere Forest in Cheshire and was at times tough going but a great achievement. Well done Marie! Property Manager Denise Westbrook from our Hoddesdon office took part in the Grim Challenge in February and the Pretty Muddy race in June. The muddy obstacle courses were full of climbing, crawling and running but couldn t stop Denise who raised 195 for Cancer Research and 150 for Macmillan. Fantastic work Denise! Property Manager Alex Saddington and Regional Manager Paul Russell also ran for charity earlier this year. They took part in the Two Castles 10K and raised a fantastic 190 for Lyme Disease treatment. Great work guys! The RMG Customer Service Centre also engaged in some charity fundraising by biking 101 miles for Sport Relief earlier this year. You can read more about their efforts by visiting the Latest News page of our website, RESIDENT INVOLVEMENT Many of the developments we manage have long established resident organisations including many with resident directors. Resident representation plays an important role in the developments we manage and we are always keen to promote new resident bodies on sites without such groups. They help to promote neighbourliness and community cohesion as well as providing a channel for structured discussion between the resident population and RMG. Run by the residents, resident committees are a fantastic asset to a scheme. Information can be disseminated and feedback gathered from residents in an open and transparent manner. Resident committees, working with RMG help to: Establish agreed priorities Agree the service charge budget Give direct feedback on services Develop new and clear communication lines Property Manager Hannah Walsh has recently helped launch new resident committees on a number of the sites she manages with great success. After being approached by residents of Saxton Management Company, RMG worked with interested residents to establish a resident committee that has had a hugely positive impact on the site. The committee now have monthly meetings where residents can raise concerns confident that they are communicated to Hannah to action. Successful activities on the site including gardening events, summer parties, charity fundraisers and community regeneration days have all helped to build the sense of community. If you live on a development with an established residents group why not consider joining. If your development does not currently have a resident group and you re interested in starting one, get in touch with your property manager who will be happy to assist. rmgltd.co.uk 05
CAF CHARITABLE TRUST. Guide to your CAF Charitable Trust. Registered charity number
CAF CHARITABLE TRUST Guide to your CAF Charitable Trust Registered charity number 268369 Contents This guide, along with the Terms and conditions, contains all the information you will need to open and
More informationExpert support for your business
Expert support for your business A. LET TINGS As an award winning business ourselves, partnering with another award winner seemed a natural fit! We ve worked with for ten years now and, in that time, have
More informationWinter 2018 Credit Wise. In this issue
Winter 2018 Credit Wise In this issue Section 216 of the Insolvency Act 1986 Re-use of a company name The new Insolvency Rules key changes for creditors The Company Directors Disqualification Act National
More informationPensions Newsline INSIDE THIS ISSUE. Summer. The newsletter for members of the Mineworkers Pension Scheme
Pensions Newsline The newsletter for members of the Mineworkers Pension Scheme INSIDE THIS ISSUE MPS HITS RETIREMENT AGE 2017 BONUS AND PENSION INCREASE GOVERNMENT GUARANTEE PENSIONER REPRESENTATIVE TRUSTEE
More informationHousing Systems. Training Programme Excellent training that delivered real value for money
Housing Systems Training Programme 2016 Excellent training that delivered real value for money Introduction 3 Universal Credit courses 4 Housing Benefit courses 6 Other benefit related courses 9 Our trainers
More informationPensions News WIN. A newsletter for members of the Royal Mail Pension Plan. Your pension, in a nutshell
Pensions News Your pension, in a nutshell November 2014 royalmailpensionplan.co.uk A newsletter for members of the Royal Mail Pension Plan WIN 500 High Street shopping vouchers or an M&S Christmas hamper!
More informationDavid Cox, Chief Executive of ARLA Propertymark joined the Board in September 2017.
The Dispute Service launched in 2003 as a voluntary tenancy deposit scheme working with letting agents. TDS now operates statutory deposit schemes across the United Kingdom. TDS is owned by the key industry
More informationBackground. Questions. Principle
Response to Department for Business Innovations & Skills Beneficial Ownership Transparency discussion paper from National Association of Estate Agents (NAEA) April 2016 Background 1. National Association
More informationThe regulator s perspective on the regulation of SMSFs
The regulator s perspective on the regulation of SMSFs A speech by Greg Tanzer, Commissioner, Australian Securities and Investments Commission CPA Australia SMSF Conference 2014 16 July 2014 CHECK AGAINST
More informationTop 3 phenomenal ways to deliver impeccable Customer Service
Top 3 phenomenal ways to deliver impeccable Customer Service Excellent support service always helps to get loyal customers for life. This is so because high-quality support service shows how much you care
More informationTRIO OF ACCOUNTANTS CELEBRATE PROMOTION
N E W S L E T T E R APRIL 2018 TRIO OF ACCOUNTANTS CELEBRATE PROMOTION Trio of accountants promoted to become managers within the Audit and Accounts department PLUS: NEW HELPLINE FOR CHARITIES PREPARING
More informationFinancial implications of the Renting Homes (Fees etc.) (Wales) Bill
National Assembly for Wales Finance Committee Financial implications of the Renting Homes (Fees etc.) (Wales) Bill October 2018 www.assembly.wales The National Assembly for Wales is the democratically
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 ONLINE MEMBER SERVICES
More informationNAVWEALTH NEWS. Contact us
NAVWEALTH NEWS After 27 years of working in the financial services industry I have learnt that it is never dull, and 2017 certainly didn t disappoint in that regard. In 2017 we saw the most comprehensive
More informationmember update summer 2017 WELCOME POLICY AND ADVOCACY
member update summer 217 WELCOME What a year! Our final Member Update for 217 brings you highlights from the year (see the Year in Review infographic on pages 6 7), an update on our exciting KiwiSaver
More informationReporting Notifiable Events to OSCR
Reporting Notifiable Events to OSCR We aim to support public confidence in charities and their work. Part of our role is to try and prevent problems from happening, by providing guidance and advice to
More informationAT OUR PROPOSAL A CLOSER LOOK. Your guide to what we want to offer
A CLOSER LOOK AT OUR PROPOSAL Your guide to what we want to offer All literature about products that carry the Royal London brand is available in large print format on request to the Marketing Department
More informationALL THAT S LEFT TO DO NOW IS TAKE THE LEAP!
A tandem skydive is the most popular and frequently chosen type of jump by novice and first time thrill-seekers you don t need any previous experience at all to do this jump! For this particular skydive
More informationINFORMATION FOR MORTGAGE CUSTOMERS.
INFORMATION FOR MORTGAGE CUSTOMERS. WELCOME TO YOUR GUIDE TO HALIFAX MORTGAGES. Fold back this page for a brief summary of key mortgage features. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
More informationEmployer Maritime Super is 50! EmPower program: enabling you to excel. February 2017 THE NEWSLETTER FOR MARITIME SUPER EMPLOYERS
Employer THE NEWSLETTER FOR MARITIME SUPER EMPLOYERS February 2017 IN THIS EDITION: 2 3 6 Maritime Super is 50! EmPower program: enabling you to excel An update from Mick What s new for members Employer
More informationA word from our Chief Executive, Alan Rubenstein
Member Focus Our annual look at the performance of the Pension Protection Fund December 2014 A word from our Chief Executive, Alan Rubenstein It s been another year of growth for the PPF. We grew not only
More informationAny questions, call
Any questions, call 020 7424 5522 Ok, I m interested in being a Santa skydiver but what exactly is a tandem skydive? A tandem skydive is the most popular and frequently chosen type of jump by novice and
More informationHousing Rights Service and Law Centre (NI) Joint Response to a Consultation Paper on a Rate Rebate Replacement Scheme
Housing Rights Service and Law Centre (NI) Joint Response to a Consultation Paper on a Rate Rebate Replacement Scheme February 2015 1 1.0 Introduction This is a joint response between Housing Rights Service
More informationContents. Old Mutual Wealth Old Mutual House Portland Terrace Southampton SO14 7AY T
Mr 1 le Dorset AB12 3CD Old Mutual Wealth Old Mutual House Portland Terrace Southampton SO14 7AY T 0808 141 5070 www.oldmutualwealth.co.uk WELCOME TO YOUR HALF-YEARLY STATEMENT FROM OLD MUTUAL WEALTH Inside
More informationGetting started. Introducing your account
Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,
More informationNFA response to government consultation on social housing fraud
NFA response to government consultation on social housing fraud March 2012 Introduction The National Federation of ALMOs (NFA) represents 55 ALMOs which manage over 800,000 council homes across 54 local
More informationGetting started. Introducing your account
Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,
More informationCase Study Hafod Housing
Insight allowed us to quickly access the correct information Smooth implementation of Insight supports sustainable tenancies at Hafod Hafod is a not-for-profit social landlord established in 1968 and is
More informationYour Offset savings with us
Your Offset savings with us Your statement explained 12345678901 3 Account Balance ( ) 123456789 - Offset Savings 15 88,182.65 Account Holders: A N EXAMPLE J J EXAMPLE Total Balance of the Accounts 88,182.65
More informationMORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio
MORE CHOICE MORE FREEDOM A guide to Income Release Pension Portfolio 2 INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works 12 Clear charges Product
More informationYour savings with us
Your savings with us What s inside Hello 3 Your statement explained 4 Our General Terms are clear and simple 8 Changes to our General Terms 9 Changes to our Specific Terms 10 ISA information and updates
More informationNewsletter Summer 2017
Newsletter Summer 2017 Welcome to our first employers newsletter of 2017. I don t know about you but it really lifts my spirits to see the summer flowers in my garden and enjoy the longer days. It was
More informationyour IWDC pension Understanding: Don t forget issue 02
2015 issue 02 Understanding: your IWDC pension Welcome to Insight the annual newsletter for members of the IWDC Section of the Railways Pension Scheme. Remember: it s never too early or late to start planning
More informationProgramme Development and Funding Officer
Programme Development and Funding Officer Candidate Pack Thank you for showing an interest in working for Age International. Age International is a subsidiary charity of Age UK. As such, it is supported
More informationWorkplace pensions AUTO ENROLMENT HAS TAKEN OFF
Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a
More informationYour Pension Helping you plan ahead, whatever the future holds
Your Pension 2009 2010 Helping you plan ahead, whatever the future holds Inside this issue: Pension changes in 2010 that may affect you Preparing for retirement Accounts and investments Events Scheme overview
More informationTenancy Policy. The Tenancy Standard sets out the following required outcome for all Registered providers:
Appendix A 1. Introduction and Aims Tenancy Policy The Trust is required by The Homes and Communities Agency, under the Tenancy Standard,to publish a Tenancy policy which sets out clearly to our customers
More informationLOOK FORWARD TO MORE CHOICE MORE FREEDOM. A guide to Income Release. Pension Portfolio
LOOK FORWARD TO MORE CHOICE MORE FREEDOM Pension Portfolio A guide to Income Release 2 A GUIDE TO INCOME RELEASE CONTENTS 03 Welcome A few words from our CEO 06 Share our success How your ProfitShare works
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationHello. Classic Classic Plus
Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.
More informationAll you need to know Optional Payment Lifetime Mortgage
All you need to know Optional Payment Lifetime Mortgage Contents Section 1 All about our Lifetime Mortgages 3 Section 2 Applying for a lifetime mortgage 11 Section 3 What happens if your circumstances
More informationJoin us online! Get started. inside this issue: reasons to register. More than 34,000 RPS members have registered online for myrps have you?
February 2017 issue 68 Join us online! More than 4,000 RPS members have registered online for myrps have you? MyRPS is a secure area of your railways pensions website, where you can find your own personal
More informationSAMPLE ESSENTIALLY MORTGAGES HOUSE PRICE HISTORY HOW THE MARKET HAS CHANGED WILL YOU BE PAYING YOUR MORTGAGE AT 70? BUY-TO-LET DO YOUR HOMEWORK
FINANCIAL LEGAL ACCOUNTANCY This is a sample please contact us on 01279 657555 for more information. ESSENTIALLY MORTGAGES Q4 2018 ISSUE 10 The Outsourced Marketing Department Ltd. Studio F20, Allen House,
More informationwhen sports betting and casino gaming: a guide
Justice for Punters Know your rights when sports betting and casino gaming: a guide It s often a muddy and slippery world dealing with gambling companies! Contents (section number) 1. Introduction 2. Take
More informationAutumn Budget 2017: The Budget, in full
www.ukbudget.com 22 November 2017 Autumn Budget 2017: The Budget, in full Contents Introduction 1 Tackling tax avoidance, evasion and non-compliance 2 Real estate 2.1 UK real estate 2.2 CGT payment deadline
More informationCorporate Plan
Corporate Plan 2016-2019 Contents Introduction 3 Our services 4 Looking back 5 Vision for the future 6 Priorities 7 Raising customer awareness Developing services Sharing customer insight Resources 8 Finance
More informationinside University of Newcastle upon Tyne Retirement Benefits Plan welcome help with retirement planning pension reforms pension people plan news
inside welcome help with retirement planning pension reforms pension people plan news updates and reminders PENSION MATTERS University of Newcastle upon Tyne Retirement Benefits Plan December 2015 Caroline
More informationSOCIAL INVESTMENT TAX RELIEF
SOCIAL INVESTMENT TAX RELIEF PROPOSED CHANGES TO THE RULES IN 2017 June 2017 For more information and resources on SITR, please visit www.bigsocietycapital.com/sitr. This note has been prepared to help
More informationSME. Trading SME Business Electronically with Zurich
SME Trading SME Business Electronically with Zurich Trading SME Business Electronically with Zurich Print It s never been easier to place SME business with Zurich Helping SMEs and brokers grow together
More informationDEVELOPING THE HOMES AND CREATING THE PLACES THAT LONDON NEEDS INTERIM REPORT AND ACCOUNTS 2017
DEVELOPING THE HOMES AND CREATING THE PLACES THAT LONDON NEEDS INTERIM REPORT AND ACCOUNTS 2017 HIGHLIGHTS 01 WE ARE CONFIDENT THAT WE CAN DELIVER ON OUR ASPIRATIONS AND CONTINUE TO GROW TELFORD HOMES
More informationPerformance Measurement in the UK Justice Sector
Performance Measurement in the UK Justice Sector We have a long and proud legal history in England and Wales (Scotland and Northern Ireland have a similar history but separate courts systems). Our common
More information[ more ] insight. think workplace pension
[ more ] insight think workplace pension reform contents Part one employer duties 4 7 Part two implementing the reforms 8 13 Part three administering the reforms 14 17 glossary 18 19 useful resources 20
More informationRIGHT UP YOUR STREET.
BUY TO LET LANDLORDS GUIDE RIGHT UP YOUR STREET. More and more people are renting. As a landlord you ve got enough to think about, without worrying if you ve made the right financial choices. Our advisers
More informationFollowing the above changes, the full Trustee board looking after members interests is: Member Nominated. Paul Jackson Rachel Potarzycka
Chairman s Letter PENSIONS news Electrocomponents Pension Scheme Newsletter JANUARY 2016 Member Nominated Directors (Trustees) (MNTD) The Triennial MNTD election took place during the summer of 2015. Five
More informationCharity. How transparent is your senior executive pay? Use your Trustees report to promote your charity. Gift Aid and subsidiaries
Charity How transparent is your senior executive pay? Use your Trustees report to promote your charity Gift Aid and subsidiaries Changes to the annual return for charities 2015 Filing accounts with the
More informationBusiness Application Form
Insurance Protection Business Application Form! If you take a deposit from your tenant on an Assured Shorthold Tenancy agreement in England and Wales, you must protect it with a government-authorised tenancy
More information[ Private Investors ] Achieve Your investment goals
[ Private Investors ] Achieve Your investment goals About Us Cornhill Capital is a leading independent investment company based in the heart of the city of London. As a client of Cornhill you will gain
More informationMORTGAGE CENTRE CANADA HOMEBUYERS GUIDE. Your Complete Manual to Home Financing. Copyright, MCC Mortgage Centre Canada Inc.
MORTGAGE CENTRE CANADA HOMEBUYERS GUIDE Your Complete Manual to Home Financing Table of Contents My Service Pledge to You 3 Your Professional Team 4-5 Types of Mortgages 6 The Process 7 What is Considered
More informationAnnual Meetings Remarks May 3, Paul Mahon. President and CEO Great-West Lifeco Inc.
Annual Meetings Remarks May 3, 2018 Paul Mahon President and CEO Great-West Lifeco Inc. Paul Mahon President and CEO Great-West Lifeco Inc. Contents Overview 1 Financial performance highlights 1 Creating
More informationFirst Home Buyer Guide.
First Home Buyer Guide. CONTENTS 3. Where to Start 4. What to expect from you LoanSeeker broker 5. Government Help 6. Credit History Check 7. Deposit Talk 8. Finding the right loan 9. Home loan types 10.
More informationBUDGET 2018 PETER HUGHES CHARTERED ACCOUNTANT
This summary outlines the principal tax measures announced in the Budget on 29 October 2018. Except where stated, the changes take effect for the 2019/20 tax year. The Saturday money sections of the newspapers
More informationAn update from Pace. What s inside this issue? Autumn 2014
An update from Pace Autumn 2014 Welcome to our annual update. The big news this year is that the Government wants to change the pensions rules to give you even more flexibility and freedom to use your
More informationDraft Registration of Overseas Entities Bill
17 September 2018 To: transparencyandtrust@beis.gov.uk Introduction 1. The British Property Federation (BPF) represents the commercial real estate sector. We promote the interests of those with a stake
More informationWhy new thinking on capturing land value uplift is needed The public sector needs to be smarter in capturing the increased land value generated by reg
Whitehill & Bordon Regeneration Land value: creating it, capturing it and keeping it in the community Why new thinking on capturing land value uplift is needed The public sector needs to be smarter in
More information1) Agent goes out of business, funds are not protected
Briefing from the Federation of Private Residents Association The Communities and Local Government Committee will take evidence from the new ministers at Department for Communities and Local Government
More informationGetting started as an investor. A guide for investors
Getting started as an investor A guide for investors MAKE A RETURN AND A DIFFERENCE You can earn attractive, stable returns by lending to businesses through Funding Circle. Set up your account in minutes,
More informationBLICK ROTHENBERG UK reporting obligations and UK Taxation of offshore structures
BLICK ROTHENBERG UK reporting obligations and UK Taxation of offshore structures 1. Introduction 2. Headline changes to UK tax 3. IHT Trip Wires for Trustees 4. Touch points for UK reporting 5. UK register
More informationSchemes spotlight 2016 First Edition
SCHEMES SPOTLIGHT 2016 Schemes spotlight 2016 First Edition The UK schemes market insight: An in-depth review of the schemes market Published by The number 1 UK brand for schemes 1 A foreword from UK General
More informationSELF-INVESTED PERSONAL PENSION (SIPP)
SELF-INVESTED PERSONAL PENSION (SIPP) About Us Logic Investments is an independent advisor providing stockbroking and investment management services to private investors, pension trusts and corporations.
More informationYoung People and Money Report
Young People and Money Report 2018 marks the Year of Young People, a Scottish Government initiative giving young people a platform to voice issues that affect their lives and allowing us to celebrate their
More informationfirst direct Single Trip and Annual Multi-trip Travel Insurance Important Information
first direct Single Trip and Annual Multi-trip Travel Insurance Important Information Travel Insurance Important Information Please read this information carefully and keep it for your future reference.
More informationTHREADNEEDLE LOW-CARBON WORKPLACE TRUST COMPLETES FIRST PRE-LET AND SIGNS FOURTH ACQUISITION
THREADNEEDLE LOW-CARBON WORKPLACE TRUST COMPLETES FIRST PRE-LET AND SIGNS FOURTH ACQUISITION (London, 18 January 2011) The Threadneedle Low-Carbon Workplace Trust (LCW) has successfully completed four
More informationBig Society Capital Our strategy for the next three years. May 2014
Big Society Capital Our strategy for the next three years May 2014 Introducing our strategy Big Society Capital is an independent financial institution with a social mission, set up to help grow the social
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 4 REASONS TO MAKE THE MOST OF SCOTTISH WIDOWS MEMBER SERVICES
More informationMortgage advice you can depend on
Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging it s a big commitment. This guide aims to help you understand what you need to think about making you feel
More informationA Brief Guide to Your Pension. A guide to the benefits available to you as a member of the Local Government Pension Scheme (LGPS)
A Brief Guide to Your Pension A guide to the benefits available to you as a member of the Local Government Pension Scheme (LGPS) APRIL 2015 Introduction Your Local Government Pension Scheme (LGPS) pension
More informationThe future of the UK REIT regime - who will benefit? kpmg.co.uk/realestate
The future of the UK REIT regime - who will benefit? kpmg.co.uk/realestate 1 The Future of the REIT Regime Earlier this year, the UK Government announced a significant consultation on changes to the UK
More informationGroup Pension Policy 75POINT3
Group Pension Policy 75POINT3 Contents 03 RSK s commitment 04 Aegon Scottish Equitable 06 75point3 07 Should you be in? 08 Additional advice services 09 Aegon, by us 09 Customer care 10 Information 02/10
More informationGUIDE TO OUR MORTGAGE & PROTECTION SERVICES. Affordable and sustainable solutions designed for you
GUIDE TO OUR MORTGAGE & PROTECTION SERVICES Affordable and sustainable solutions designed for you 2 GUIDE TO OUR MORTGAGE & PROTECTION SERVICES Contents Intrinsic shares our values and beliefs about being
More informationMeeting Minutes. Board Meeting. Present (Board) In attendance (Staff) Apologies
Meeting Minutes Board Meeting When: 10:30-12:45 15 September 2016 Where: Meeting Room 1, 1 st floor, Kinnaird House, London, SW1Y 5BP Present (Board) Michael Bichard, Chair Alex Fox Sally Warren Terry
More informationProspective LGPS Employer
Prospective LGPS Employer Local Government Pension Scheme A Guide for Prospective Scheme Employers Issue 3 : December 2017 Copyright Norfolk Pension Fund 2017 http://portal.norfolkpensionfund.org Contents
More informationClick here to read the NHS Pensions Employers Charter detailing the high level roles and responsibilities of Scheme Employers
Gateway No. 07/NHSBSA/03/13 March 2013 n e w s l e t t e r Contact : Tel : 0845 610 1119 Fax : 01253 774412 www.nhsbsa.nhs.uk/pensions www.nhsbsa.nhs.uk/injury Click here to read the NHS Pensions Employers
More informationPension. Your. Welcome to the latest edition of the Local
Your Pension Welcome to the latest edition of the Local Government Pension Scheme (LGPS) Councillors Newsletter from the Cheshire Pension Fund. This edition of Your Pension is specifically for current
More informationCOMMUNICATIONS & ENGAGEMENT STRATEGY
COMMUNICATIONS & ENGAGEMENT STRATEGY 2018 Communications & engagement strategy Contents 1 Introduction to GMPF Who we are What we do What our core values are 2 The purpose of our strategy Why we have developed
More informationFailure to prevent the facilitation of tax evasion
Failure to prevent the facilitation of tax evasion Corporate Criminal Offences: Overview The corporate criminal offence of failure to prevent the facilitation of tax evasion became law in April 2017 as
More informationLandlord Direct Payments Application Form for Local Housing Allowance - Guidance notes
Introduction Landlord Direct Payments Application Form for Local Housing Allowance - Guidance notes Local Housing Allowance (LHA) payments will be made directly to tenants. However, you can have payments
More informationTHE CODE COMPLIANCE PANEL OF PHONEPAYPLUS TRIBUNAL DECISION. Housing support information telephone line
THE CODE COMPLIANCE PANEL OF PHONEPAYPLUS TRIBUNAL DECISION Thursday 10 May 2012 TRIBUNAL SITTING No. 99 / CASE 3 CASE REFERENCE: 04891 Level 2 provider: Type of service: Network operator: London & Southern
More informationAn employee s guide to auto enrolment
RETIREMENT An employee s guide to auto enrolment So, what is auto enrolment? Auto enrolment is the UK s workplace pensions initiative geared towards motivating the working population into saving towards
More informationWhy we re jumping for the dads.
hq 4 Yvery Court, Castle Road Cowes, Isle of Wight PO31 7QG t +44 (0)1983 292 405 e hq@brainstrust.org.uk www.brainstrust.org.uk www.braintumourhub.org.uk twitter.com/brainstrust facebook.com/brainstrust
More informationImproving the home buying and selling process: UK Finance response to the DCLG call for evidence
Improving the home buying and selling process: UK Finance response to the DCLG call for evidence 15 December 2017 Introduction UK Finance represents around 300 firms in the UK providing credit, banking,
More informationventure matters Summer The European Commission and UK Treasury create more certainty for VCT investors. In this issue VCT News Fundraising and Results
In this issue VCT News Fundraising and Results venture matters Summer Investment Portfolio News Cinema Offer Important Dates for the Diary 2012 The European Commission and UK Treasury create more certainty
More informationLeaving the. A guide to the options and benefits available to you on leaving the Local Government Pension Scheme (LGPS)
Leaving the LGPS A guide to the options and benefits available to you on leaving the Local Government Pension Scheme (LGPS) April 2014 Introduction Your Local Government Pension Scheme (LGPS) pension is
More informationHelping the unconventional with buy-to-let. Example scenarios
Helping the unconventional with buy-to-let Example scenarios Contents Buy-to-let range 4 Octopus Property, a property company with a difference 5 Client scenarios Helping foreign nationals obtain finance
More informationAn introduction to investing your retirement savings The Trust Investment Guide
An introduction to investing your retirement savings The Trust Investment Guide Investing in your future The aim of this guide is to help you understand a little more about investing your retirement savings,
More informationAUTUMN BUDGET 2017: FUTURE TAX CHANGES
AUTUMN BUDGET 2017: FUTURE TAX CHANGES The following briefing contains a summary of all tax policy measures which were announced yesterday at Autumn Budget 2017 for inclusion in a later Bill. Autumn Budget
More informationSubcontracting. Module 7
Subcontracting A guide to the legal implications of the Industry Standard Partnering Agreement for voluntary, community and social enterprise organisations Module 7 Dispute resolution, implications of
More informationprotecting yourself Money Management SESSION #6
Money Management SESSION #6 protecting yourself The Money Management sessions have been developed for the HSBC Opportunity Partnership in collaboration with Catch22, St Giles Trust, The Prince's Trust,
More informationPensionUpdate. A newsletter for members of the Local Government Pension Scheme participating in the Cheshire Pension Fund
Summer 2016 PensionUpdate A newsletter for members of the Local Government Pension Scheme participating in the Cheshire Pension Fund The New Single Tier State Pension and the removal of Contracting Out
More informationTHE METAL BOX PENSION SCHEME METAL BOX NEWSLETTER MEMBERS REPORT WINTER 2013/14. In this issue... AUTO-ENROLMENT SCHEME UPDATE
THE METAL BOX PENSION SCHEME METAL BOX NEWSLETTER MEMBERS REPORT WINTER 2013/14 DEFINED CONTRIBUTION SECTION In this issue... AUTO-ENROLMENT Investment update SCHEME UPDATE Pensions update Your contacts
More informationManaging your money and paying your rent
Managing your money and paying your rent How to make the most of your Universal Credit payments This guide can help you Get the right bank account Draw up a budget Pay your rent Deal with rent arrears
More information