The Summer 2010 issue covers a number of mortgage and mortgage-related issues.

Click here to download/view the promotional PDF of this issue.

In this issue:
Many thanks to those who set out what they'd like to see in this issue, and we've tried to reflect most of the points raised.

Page 1
The Financial Rapids - we lead off with the general marketplace and whilst the broad view is that interest rates won't move up, we do mention that even the Governor of the Bank of England has now hinted that the Base Rate will be the initial route to tackle inflation, which currently stands at 3.4%, way above the 2% target. So it makes sense for your clients to start thinking about protecting themselves from any future jump in rates. Also, we don't know at this stage, how 'interest only' will play out and if there will be a tightening up on LTVs - which may also prompt some people to act now, rather than wait.

The page 1 copy will be updated over the course of the issue to reflect market developments.

Page 2
Use your broker - we set out the importance of using a 'professional' mortgage broker - and how it benefits the client - such as market knowledge, time-saving, wide-ranging advice, and helping to protect your credit rating.
Too young to die - with life cover rates still very low, we highlight that almost 50 adults, aged under 44, die every day - so it makes sense to get cover in place whatever your age, and the earlier the better to benefit from lower rates.

Page 3
Buy-to-Let - this is something that many wanted covered, as lenders were returning to this sector, with improved products - and rental income too is improving markedly with the demand for rental properties likely to continue to grow over the next few years. So, in spite of the rise to 28% CGT for higher tax payers, it's still an area well-worth covering.
Mortgage calculator - we also have a mortgage payments calculator in the issue, so that those on super-low rates can see how a rise of a few per cent would actually affect them.
Bridging Loans – we cover how bridging loans can play an important role in the property buying process.

Page 4
Option 1 story - Estate Planning - covering Wills, Trusts and IHT - as this seems to be a big growth area for brokers to leverage their client bank - with two-thirds of the adult population not having a Will. Hence you have a reason to meet up and additional  opportunities to discuss protection, trusts and funding needs, as a consequence of your will-writing discussions.
Option 2 story - Equity Release - another area where a good number of brokers are starting to prioritise their activities.
Option 3 story - Protection - a continuing key sales area for brokers, and this time we'll cover MPPI, PHI and CI.

Throughout the issue, the whole editorial thrust is to get them to either make contact with you to find out more, or to feel that you would be the best point of contact when they do need to review their finances.