PAST PERFORMANCE IS A GUARANTEE OF FUTURE RETURNS

PAST PERFORMANCE
IS A GUARANTEE OF
FUTURE RETURNS
Imagine working with an agency that
truly gets financial services
Advertising
Branding
Design
Digital
1
Advertising
Branding
Design
Digital
In financial services marketing, we are that rare animal – an agency that
feels as comfortable with APRs, defaqto and compliance as we do with brand
propositions, responsive web design and print ready-artwork.
And, as our work with Lloyds TSB, Cheltenham & Gloucester, Investec,
Kensington, Atradius and many others demonstrates, we don’t believe any
of these things should dilute creativity.
For a combination of reasons outside our control, including mergers, the FCA
and the European Commission’s competition policy, we currently have one or
two fewer active financial clients in our stable than usual – hence this little book.
2
3
OYE
DB
U
F-E NSID
help
MP
ing
LOY ERED
han
d fo
ED?
r an
TOP
OF
eas
AB
ier m
T
I
PS
USI
o
N
AP
SUC
E
Len
S
A
S
CES
sha ders loIN A B RTN
S
re o ok USI ER
MA
NE
f n at
Y
25%
Bed
roo
m
Bat
hro
om
Liv
Rooing
m
RET
AIN
ING
The small print
There probably is a small corner of financial services somewhere that we haven’t worked in, but
we can’t think of it. General insurance yes, specialist insurance also yes, savings tick, mortgages
(appropriately for a 25-year term), wealth management, intermediaries, retail banking, credit
unions, credit insurance, private health, property search and back office systems.
We’ve been part of a roster, we’ve been a delivery agency, we’ve been brand guardians,
we’ve been lead agency and artwork studio.
We’ve worked on projects, on retainers, on menu pricing and we’ve worked happily alongside
major London agencies with head offices in Europe and with local outposts.
And, in so doing, we’ve created everything from policy booklets and rate announcements to
Prezi presentations, websites, brand guidelines, videos and a mortgage toolkit app for brokers.
Kitc
hen
PLA
N
FOR
IF Y
OW OU
LEA N AT
ST
TOO
MU
et p
SS:
C
CH
BU
O
N
PRO
TW
r
o
T
A
FIT
R
fi
I
O
LL R
IN
t
D
s
L
Y
I
INC OUR BHE
REC
Len
EST
U
A
RIC
O
T B ME T SINESS, D
SAL ders usLTD COTOR O
OR
ROW AX
MO
ARY ually MPA F A
ST
ING
L
+D
y
N
c
E
Y
£
N
E
IVI onsid Y:
D
ARS
ERS
BU
DEN er
KEE
TI
O
CO
FY
F A LIKE T
D
P
O
CCO
S
U’R
OS
ING
LEN
E
U
T
A
HE
NT EE
DER
CLE
is a NEW
Exp
S…
ble
B
ACC S PRE AR
U
ours erie
YEA to lend SINE
SS
bas
R’S
OU FER Y A O
on a can
e
TRA d on
con
NTA OUR
UN
fi
DIN
W
T
N
G
E
ST
OR
BOO
KKE T
S
EK
X
EPE Return on investment
46 =
YOU SE
L
S
R
BEF R S
1
F
O
A
A
C
IPF
SA3 ORE
302
S
M
AO
S
0
Y
2
but
E
W
O
S
c
R
a
ICB
E
per is usu n take U ST HOU SSM
E
.
son ally
A
T
LD
A
al & ac a cou RT
E
T
H
N
I
L
A
c
B
ER
bus epte ple o
N
L
E
M
T
I
ines d b f w
A
G
:
R
L
H
P
E
N
EA
ND
TA
s ba y le eeks PL
E
E
DV
E
nk s nder to a ICA DY
S
R
E
H
I
M
TIO
S
tate s al rriv
OU
D
LDN EAN ER &
me ongs e,
N
nts
HO ’T PREV S BEIN A GOOD A
. ide
to b
a p e regi
ACCrofessi stered
A, A onal with
CA bod
CIpudding,
The proof of course is in ,the
MA y and what follows is just a taster of our many years of expertise.
,
Suffice to say that from advertising, POS and literature to internal comms, brand guidelines and in
every digital channel, we’ve succeeded in making our services an investment for clients, not a cost.
4
Ken
s
2 G ington
YOU
resh
am and Ke
RH
nsin
Stre
OM
et, L
gto
EM
n
o
So, whatever the financial climate, such a guaranteed return with such a low risk profile isn’t
something to ignore. We even strive to make the whole thing enjoyable through the promise we
make to all of our clients to deliver ‘winning made more fun’ – explained in a little more depth on
the back cover.
M
E
G
5
LLOYDS TSB
Pet Insurance
Home Insurance
Pet insurance from
just 15p a day...
Cover for your home, inside and out.
...giving them the cover they deserve.
...from doorstep to chimney pot, we’ll cover it.
Please contact us if you’d like this in Braille, large print or on audio tape.
Your call may be recorded for accuracy of information and training purposes.
Lloyds TSB Home Insurance is underwritten by Lloyds TSB General Insurance Limited (Company No. 204373). Registered in England:
25 Gresham Street, London EC2V 7HN.
Premiums payable on Lloyds TSB Home Insurance include an amount equal to Insurance Premium Tax at the current rate.
Legal expenses is underwritten by DAS Legal Expenses Insurance Company Limited. Registered in England and Wales (Company No. 103274).
Our Head and Registered Office is DAS House, Quayside, Temple Back, Bristol BS1 6NH.
24-hour Emergency Homeline is provided by Royal and Sun Alliance Insurance plc. Registered in England and Wales No. 93792.
Registered Office: St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL.
All companies are authorised and regulated by the Financial Services Authority.
Company no. 204373), registered in England, 25 Gresham
ty. Your calls may be recorded for accuracy of information.
h.
e
Comprehensive cover for
your home and belongings...
Join Britain’s most popular
home insurance provider *
native formats such as Braille, audio
0 if you wish to receive it in one of these
y
Home Insurance
Home Insurance
Your Home Solutions
policy booklet.
M50098/0707
Mortgage
s
Sit back an
your mortg d switch
no up-fron age with
t costs.
ce.
r own spa
to build you
Please note:
Lloyds TSB General Insurance Limited,
registered in England: 25 Gresham Street,
London EC2V 7HN. Scottish Widows plc
registered in Scotland, registered office in
the United Kingdom at 69 Morrison Street,
Edinburgh EH3 8YF.
• We will provide cover during the period
of your Loan Protection Insurance Policy
according to the terms set out in your
policy document in return for payment
of the premium.
• Your policy cannot be transferred or the
benefits assigned to anyone else.
• We recommend that you review your
cover at least once a year to ensure it is
adequate.
Policy Summary
ssessed if
s from Cheltenha
you do not
m & Glouceste
r plc. Lloyds
TSB Bank
keep up repa
plc Registere
d Office: 25
yments on
Gresham
Street, London
your mortgage
EC2V 7HN.
Registered
in England
and Wales
No. 2065.
Who are the insurers?
LCGP 10174/0507
The providers of the insurance cover, who are:
• Lloyds TSB General Insurance Limited for
Accident or Sickness and Hospitalisation
cover for loan terms of less than five years
and Unemployment cover for all loan terms.
• Scottish Widows plc for Accident or
Sickness and Hospitalisation cover for
loan terms of five years and over and Life
and Critical Illness cover for all terms.
do not keep
s on your
up repayment
mortgage
2
Home Insurance
Lloyds TSB Home Solutions is underwritten
by Lloyds TSB General Insurance Limited.
Registered in England no. 204373,
25 Gresham Street, London EC2V 7HN.
FSA No.202091.
Legal expenses cover is underwritten by DAS
Legal Expenses Insurance Company Limited.
Registered in England no. 103274,
DAS House, Quay Side, Temple Back,
Bristol BS1 6NH. FSA No. 202106.
Home
Insurance
Insurers
Your Loan Protection Insurance Policy is
underwritten by Lloyds TSB General Insurance
Limited (Company No. 204373) and Scottish
Widows plc (Company No. 199549).
Details of the insurers underwriting your
home insurance are shown below. All of the
insurers are authorised and regulated by the
Financial Services Authority (FSA) and their
main business is insurance.
Your Home Solutions
policy summary.
24 hour Emergency Homeline is provided
by Royal & Sun Alliance Insurance plc.
Registered in England no. 93792,
St Mark’s Court, Chart Way, Horsham,
West Sussex RH12 1XL. FSA No. 202323.
Lloyds TSB General Insurance Limited,
registered in England: 25 Gresham Street,
London EC2V 7HN. Scottish Widows plc
registered in Scotland, registered office in
the United Kingdom at 69 Morrison Street,
Edinburgh EH3 8YF.
You are not eligible if on the date that you
sign your loan agreement you are:
• unemployed, or
• in receipt of Incapacity Benefit from the
relevant government authority, or
• acting as a guarantor, or
• solely a student and not working.
How do I pay the premium for this
Loan Protection Insurance policy?
Please note that the Loan Protection
Insurance policy is only available for a loan
of £25,000 or less (not including the premium
for the Loan Protection Insurance policy).
Your insurance policy is paid for in one lump
sum, either by:
• paying the full cost of the premium in cash or
• adding the full cost of the premium to the
amount you have borrowed and repaying
this amount over the term of the loan.
This means that interest will be applied to
the premium where applicable. Please
refer to your Consumer Credit Act form for
full details of the interest payable.
If you are sick, or injured through an
accident when you sign your loan agreement:
• if you are employed, your cover will not
begin until you have returned to work for
at least 14 consecutive days.
• if you are retired or a non-employed
person (choosing not to work), your cover
will not begin until you have recovered
from your accident or sickness for at least
14 consecutive days.
Language
The language used in your policy document
and any communications relating to it will
be English.
Please note:
• We will provide cover during the period
of your Loan Protection Insurance Policy
according to the terms set out in your
policy document in return for payment
of the premium.
• Your policy cannot be transferred or the
benefits assigned to anyone else.
• We recommend that you review your
cover at least once a year to ensure it is
adequate.
What if I wish to request this booklet in an alternative format?
Lloyds TSB Home Solutions is underwritten by Lloyds TSB General Insurance Limited (Company no. 204373), registered in England, 25 Gresham
Street, London EC2V 7HN. Authorised and regulated by the Financial Services Authority. Your calls may be recorded for accuracy of information.
✓
✓
✗
✓
✗
✓
✗
✓
✓
✓
✓
✓
✓
✗
✓
✗
✗
✓
✓
✓
Please refer to your policy document
for full details
Unemployment cover
page 16
Accident or sickness cover
page 22
If, whilst claiming, your circumstances
change so that a different benefit may be
more appropriate, we may re-assess the
basis on which we pay your claim.
3
Contents insurance statement
Loan Protection Insurance
Lloyds TSB Insurance
PO Box 1504
80 Holdenhurst Road
Bournemouth BH8 8YG
Enquiries
Mr A Sample
Your Loan Protection
Insurance policy
summary.
Date
123 Sample Street
Our ref.
Sampleton
Sampleshire
AB1 2CB
0800 751 751
The information within this booklet is available in alternative formats such as Braille, cassette
tape or large print. Please call 0800 731 9046 if you wish to receive it in one of these formats
and we will be happy to help.
Quote ref:
Quote date:
If you have answered them fully and honestly you will be considered to have fulfilled your duty to disclose
material facts.
Comm code:
User name:
Sortcode:
Seller code:
Batch no:
Keep copies of all information, including letters, supplied to us in connection with this insurance.
XXXXXX/XXXX
Batch no.
XXXXXX super
First applicant
Date of birth
Please state full nature of business
e.g. Company Director is not sufficient
(incl STD code)
Thank you for asking us to quote for your buildings and contents insurance. You’re not alone – we are chosen and trusted
for over 2 million home insurance policies, making us Britain’s most popular home insurance provider*.
evening
Postcode
Length of time at this address
Property type:
House
Total annual cost
Buildings total annual cost
Contents total annual
Includes Insurance Premium Tax at 5%
£XX.XX
Limit
Excess
Annual cost
Buildings
£XXXX
£50
£1000
£50
£XX
£XXX.XX
Legal liabilities
Buildings
Contents
£XXXXXXX
Accidental damage cover
Accidental damage cover
Personal belongings, money or credit cards
Pedal cycles
Freezer contents
Clerical business use
Legal expenses
Maisonette
It is:
Number of bedrooms
(A bedroom is any room used as or
designed to be a bedroom even if now
used for other purposes)
Owner occupier
Tenant
Rented furnished
Is your home protected by a NACOSS, NSI
or SSAIB approved and installed security
alarm system with an annual maintenance
agreement?
Rented unfurnished
Do you accept the security alarm discount?
If rented it is:
Terraced
Are you an active member
of a police approved
Neighbourhood Watch Scheme?
Year property built
Yes
Start date (which cannot be before the
application is accepted by the Insurer)
Sum insured up to a maximum of:
(you can increase this to £50,000 max)
£50
Nil
You are the:
Detached
Semi detached
Flat
Bungalow
Town House
No
3. Cover required: The ticked boxes indicate the cover you have selected. A summary of cover can be found in the enclosed leaflet.
£XX.XX
At no extra cost
Personal belongings cover
Total high risk items limit
Optional cover that can be added to your standard cover:
Some calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our
quality of service. We accept calls made through RNID Typetalk.
Correspondence address expiry date
2. Details of insured property:
12 Sample Street, Sampleton, Sampleshire, SS12 3AB
Description of the type of cover
£XXXXX
£XXXXX
£XXXX
Correspondence address if different
Address of property
to be insured
Please see enclosed policy summary for more details of your cover.
£XX.XX
£XX.XX
Relationship of second applicant to first
daytime
After reviewing our panel of leading insurers, we’ve arrived at our most competitive quote for your needs. Below is a
breakdown of your cover and the discounts you’re entitled to. Your buildings insurance will be underwritten by
XXXXXXXXXXXX and your contents insurance will be underwritten by XXXXXXXXXXXX. Your legal expenses cover will be
underwritten by XXXXXXXXXXXX.
NOT including accidental damage
Subsidence excess
Voluntary excess
NOT including accidental damage
High risk items
– total
– per single item
Voluntary excess
Second applicant
Title and forename(s)
Occupation (including part-time)
Telephone number(s)
Monthly cost (with 0% interest on Direct Debit)
Sequence no:
Gift code:
Premium:
Agency code:
Surname
XX
Dear Mr Sample
Your quote for
Bar code
FOR OFFICIAL USE ONLY
The questions below relate to facts considered material to the underwriting of this insurance.
A summary of cover is enclosed. The policy booklet and schedule tell you exactly what is covered. You may
request a specimen policy booklet now or wait to receive yours once your application has been processed.
1. Personal details: Full details of any spouse or partner must be given as the second applicant if they are, or will be, living at the insured home.
Your quote ref.
Sequence no.
Instructions : please read carefully and keep for your records
This form shows the questions you were asked and the answers you gave. Please check it carefully and let
us know on 0800 056 0179 within 3 days if any changes are needed. If changes are needed, the quotation
given to you may change.
If you are in any doubt about something being material, you should disclose it or your policy may be invalid.
XX/XX/XXXX
DC360
RTD
MSS
Home Options for flexibility
Buildings monthly cost
Contents monthly cost
Please contact us if you’d like this in Braille, large print or on audio tape.
65 or over.
✓
Home Options
Unless we agree otherwise, English law will
apply to your Loan Protection Insurance
policy.
Contents
Cover includes:
f information.
Under 65 and:
• employed (including
self-employed) for fewer
than 16 hours a week, or
• a non-employed person
(choosing not to work), or
• retired.
For example, if, while claiming, you reach
the age of 65, any unemployment or accident
or sickness benefit payments will stop.
What’s included in your quote:
ailable in alternative formats such as Braille, audio
0845 3000 110 if you wish to receive it in one of these
Under 65 and have been
employed (including self-employed)
for 16 hours or more a week.
If your circumstances change during the
term of your loan agreement, it may affect
the benefits that you are eligible for under
your Loan Protection Insurance policy.
Choice of law
Important changes
to your policy.
Both of these insurers are authorised and
regulated by the Financial Services Authority
(FSA). The main business of Lloyds TSB
General Insurance Limited is insurance and
the main business of Scottish Widows plc is
life assurance, pensions and investments.
If at the point of claim you are:
Life Cover
sale of mortgage
Hospitalisation
Cover
may be repo
ary for the
Critical Illness
Cover
an intermedi
This table briefly outlines the cover you may be eligible for under your Loan Protection Insurance
policy and how any change in your circumstances or age may affect it.
Plus bonus 10%
cash payment
Your home
Bank plc is
What are the significant features and benefits of the Loan Protection Insurance?
You are eligible if on the date that you sign
your loan agreement you are:
• 18 or over and under 75 throughout the
term of your loan agreement, and
• either employed (including self-employed),
retired or a non-employed person
(choosing not to work), and
• resident in the UK, Channel Islands or
the Isle of Man, and
• signing your loan agreement as a private
individual and not as a business, and
• the first named person on the loan
agreement if your loan is in joint names, and
• none of the points below apply to you.
Accident or
Sickness Cover
Lloyds TSB
Are you eligible for
Loan Protection Insurance?
Positive Job
Solutions
What is Loan Protection Insurance?
The information within this booklet is available in alternative formats such as Braille, cassette
Loanwish
Protection
Insurance,
is optional
tape or large print. Please call 0800 731 9046 if you
to receive
it in onewhich
of these
formats
and not a condition of taking out the loan,
and we will be happy to help.
may enable you to meet your monthly
Some calls may be monitored or recorded in case we need to check we loan
have carried
out your instructions
help improve our
repayments
in thecorrectly
eventand
oftoyour
quality of service. We accept calls made through RNID Typetalk.
unemployment, accident or sickness. It may
also provide you with critical illness cover,
life cover and hospitalisation cover. This is
M56039/1107
a summary of the cover that your Loan
Protection Insurance policy provides. It does
not contain the full terms and conditions of
your Loan Protection Insurance policy, which
can be found in your policy document.
payments
to afford the
your ability
on your service
g assessing vary depending
d No. 95237.
Your
tion includin
may
in Scotlan
d. Call costs
of your applica
Registe red
suitabil ity
red or recorde
gh EH2 4LH.
about the
may be monito
ourselves
Street, Edinbur
to satisfy
or over. Calls
120 George
will want
14:21
be 18 years
Duncan House,
g a loan we
nts must
26/09/2013
y. Applica
Office: Henry
Before agreein
the propert
Registe red 7.
and valuing
Scotland plc:
Lloyds TSB of going to press 20.04.0
provide r.
at time
Details correct
d 1
Lady AW.ind
Self Build
00259 LTSB
Insurers
Policy benefits at a glance
What if I wish to request this booklet in an alternative format?
Visit us
0 00s 0
00
45stsb.3com/
08lloyd
mortgage
sessed if you
Your Loan Protection
Insurance policy
summary.
The language used in your policy document
and any communications relating to it will
be English.
on
ch, or call
be repos
home may
Loan Protection Insurance
Language
Speak to
Mor tgage one of our
Managers
today
one
eys than the
exciting journ house to
few more
There are
ing your own
ing of build
s TSB we can
from dream to life. And at Lloyd
our Self-build
seeing it come step of the way. With to 95% of
up
help you every can apply to borrow
the
of
you
the total costs
mortgage
or 95% of
lower.
the final value
ever is the
ing
project, which
outline plann
on land with
the money
cash flow,
We can lend
ct
and, to help
on your proje ard
permission
s as work
stand
is paid in stage mortgage is at our
The
.
completing
progresses
60 days of
but within
of our
variable rate can convert to any
you
the project
.
age deals
mortg
nt
curre
arison is
ll cost for comp size £1,000.
The overa
loan
Minimum
7.6% APR.
now
Specialists
Mortgage
s and
Talk to our
self build dream
and see your e.
shap
plans take
in bran
Unless we agree otherwise, English law will
apply to your Loan Protection Insurance
policy.
Unemployment
Cover
ney in place
Get the mo
Choice of law
Your Loan Protection Insurance Policy is
underwritten by Lloyds TSB General Insurance
Limited (Company No. 204373) and Scottish
Widows plc (Company No. 199549).
Both of these insurers are authorised and
regulated by the Financial Services Authority
(FSA). The main business of Lloyds TSB
General Insurance Limited is insurance and
the main business of Scottish Widows plc is
life assurance, pensions and investments.
When you
switch your
on many of
mor
our deals theretgage without mov
ing home,
’s:
• No product
fee
• No valua
tion fee if your
home is wort
• No higher
h less than
lending char
£2 million
ge
Plus, for mos
the legal workt standard remortgag
es of
will also be
taken care £50,000 or more,
of for free.
use
get your ho
We’ll help to g board.
in
aw
dr
e
off th
Insurers
Contact us for a quote
Contact us for a quote
Contact us for a quote
Contact us for a quote
Contact us for a quote
Contact us for a quote
Contact us for a quote
Standard cover: Includes limited accidental
damage (i.e audio & visual equipment, mirrors
& glass in furniture) and replacement-as-new on
contents in your home
Additional options
Accidental damage cover: Includes accidental damage (all contents including
carpets & furniture) and replacement-as-new on contents in your home
Single article limit (high risk items only)
Personal belongings
limit
Up to £500
Up to £1000
Up to £1500
Up to £2000
Up to £2500
Up to £3000
Pedal cycles
Clerical business use
Freezer foods
Legal expenses
Standard excess
Voluntary excess
I have held home contents insurance for the past 5 years and apply for a no claim discount.
I confirm that I have not held home contents insurance for the past year and during that time have suffered no loss that would have been covered by a home contents policy.
If legal expenses are required and you are aware of any existing circumstances that would give rise to payment under this insurance, you are obliged to disclose this information to us.
M57613/061007
M56039/1107
Lloyds TSB General Insurance Services Limited. Registered in England No. 968406. 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial
Services Authority. Your calls may be recorded for accuracy of information.
Lloyds TSB Insurance Services Limited. Registered in England No 968406. 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Services
Authority. Your calls may be recorded for accuracy of information.
Quote reference XXXXXX/XXXX
6
7
CHELTENHAM & GLOUCESTER
Black belts in first contact resolution
Since intermediaries told us that getting through to
us and getting answers was an issue, we’ve worked
hard to turn things on their head.
Why not put us to the test? Combined with our
flexibility as a lender and a personal approach
to complex cases it’s a winning combination.
Through intensive training, re-organisation and greater
consistency in decision making we now have one of
the best first contact resolution rates in the industry.
www.cheltglos-intermediaries.co.uk
In plain English that means we provide the answers
you need, first time, more of the time.
Our responses
are sharper
To be blunt we’d be the first to recognise that, in the response
arena, we needed sharper reactions.
And after vigorous training and re-organisation our team is now on
the front foot. We’ve put our underwriters at the sharp end, right
alongside our processing team – so you can talk to the people who
count and be on the receiving end of consistent decision making,
swift responses and a professional follow through.
If you haven’t used us recently you’ll have missed out on all the
improvements we’ve made. Put us to the test now and score a hit
with your next application.
www.cheltglos-intermediaries.co.uk/sharperresponses
The information in this advertisement is intended for professional intermediaries only.
C&G mortgages are provided by Lloyds TSB Bank plc and administered by Cheltenham & Gloucester plc.
Details correct at time of going to press on 9 March 2010.
The simple choice for
instant
access branch based
savings
Our C&G Cheltenham
Gold savings account
is a winning
combination, providing
a rewarding home for
your everyday
savings and keeping
your money within easy
reach.
n
Instant access and free
withdrawals.
n
Manage your account
with a passbook
through a branch or
by post.
To open your C&G
Cheltenham Gold savings
account pop into your
local branch today.
cheltglos.co.uk
The information in this advertisement is intended for professional intermediaries only.
C&G mortgages are provided by Lloyds TSB Bank plc and administered by Cheltenham & Gloucester plc.
Details correct at time of going to press on 17 May 2010.
2.00%
1.95%
1.90%
p.a.
AER i
Grossii
on £25,000 or more
p.a.
AER i
Grossii
on £10,000 to £24,999
on £1 to £9,999
p.a.
AER i
Grossii
Rates include a 1.50%
bonus
payable for first 12
months.
Grow your
savings
with
instant
access
Rates effective from
9
interest payable beforeNovember 2009. iAER stands for Annual
Equivalent Rate and
rates are variable and the deduction of income tax at the rate
illustrates what the
interest rate would
specified by law. Interest
we may change them
be if interest was paid
with the account’s
conditions. Only availableat any time. (This excludes the fixed bonus at the rates shown is paid annually
but interest may also and compounded once each year. iiThe
& Gloucester Savings
be
Gross interest rate
is a division of Lloyds to persons who have their permanent rate of interest payable for the first 12
is the
months on all accounts paid monthly. Please ask for details. The
home in the UK. Telephone
TSB Bank plc. Registered
C&G Cheltenham Gold rate of
opened
Office: 25 Gresham
Account
Street, London EC2V calls may be monitored or recorded. Rates from 9 November 2009.) If we do,
we will tell you in accordance
7HN. Registered in
correct at time of
England and Wales
No. 2065. Authorised going to press on 3 February 2010. Cheltenham
and regulated by the
Financial Services Authority.
8
9
ATRADIUS
Opportunity and risk
in perfect harmony
Call 0800 0856 973
Email [email protected]
Visit www.atradius.co.uk
In tough times, bad debts are
a fact of business life.
credit insurance | debt collection | business information
Plus, monies owed are often
up to 40% of your ledger.
Vertrouwen verzekerd.
As risks multiply, wouldn’t it
add up to ensure you get paid?
Waar gehandeld wordt is Atradius.
Wij helpen voorkomen dat bedrijven ten
onder gaan aan vorderingen die te laat
of niet worden betaald, wereldwijd.
Door onze jarenlange ervaring en kennis
van de markt kunnen onze klanten
met vertrouwen de toekomst tegemoet
zien – zelfbewust, veerkrachtig
en vooruitstrevend.
Het is de perfecte balans tussen
risicobeheersing en het bevorderen
van handeldrijven, tussen zekerheid
en vrijheid, tussen veiligheid
en vertrouwen.
At Atradius, our cover means
payment is as good as guaranteed.
Grijp uw kans en ontdek meer.
Bel: 020 553 3131
Mail: [email protected]
Bezoek: www.atradius.nl
Reduce the risk of bad debt
It is a business norm that the smaller the company the more critical
cashflow is to success and survival.
Our credit insurance is a straightforward, cost effective and flexible
way to ensure you will be paid for the goods or services you supply.
There are other significant benefits too which can save you time,
help you grow and help you sleep easier.
Free risk report
www.atradiuscreditinsurance.co.uk
Visit us online and join the protected.
credit insurance | debt collection | business information
Kredietverzekering | Incasso | Bedrijfsinformatie
10
11
Fo
ith
to be w h
afford
it
to be w
it pays
h.
ig
le
Ends
24
n
ted whe
connec ds but
to stay
and frien
nt it is
importa just to family
w how
We kno university, not
get
at
too.
ent gad
you’re
our stud
r studies
r
to you
l part of
24 hou
essentia promise of
.*
the
why an
phones
That’s e bundles is
and
laptops
insuranc
ment for
replace
HOUR
bile
and mo ly
laptop
t on
24 hour replacemen
.*
phone
dsleigh
from En
672 108
sleigh
01282
Visit end
1920 or
00 389
Call 08
day
t us to
Contac
/2012
.co.uk
ENDSLEIGH
cover
exclude
mes
will also
h beco
panies
nes, whic pus
e com
ile pho
nd cam
y insuranc and mob
e arou
And man of laptops
ents mov
S
e
r the
y as stud
for LOS
to cove rance
both thes s
possibilit
cover
insu
a real n.
’t stretch
bundles rance No Claim
ies don ialist student
and tow
e polic
t value
and stay
insu
insuranc life, so our spec protected
our grea your home
home
sleigh,
res
ersity
they are
Many
With End ties and ensu
of univ
ensure studies.
d.
realities ect way to
their
eventualit is protecte
perf
theft and
you and
is the
decline of forcible
Discoun
d with
often
ally.
connecte
ies will no evidence
commun
e polic
e is
ents live
insuranc where ther
re stud
Home
rd whe
claims
damage common haza
a
entry –
A note
nts.
for pare
mended
d and
otecte when
Get pr
nnected
stay co to university
er
you go t gadget insurance provid
PRINT
Get protected
Stay connected…
…with our student gadget insurance bundle.
One of the most common causes of laptop
claims is having drink spilt on them. While
for mobile phones 63% of claims result
from them being dropped and over
31% from phones being lost or stolen
in pubs and clubs.
At Endsleigh our specialist student gadget
insurance bundles keep you connected
with 24hr* laptop and mobile phone
replacement, plus cover for loss, theft
and accidental damage.
Scan for an instant quote
or visit
endsleigh.co.uk/fresher
Collect your
free flier
/endsleigh
from our freshers
stand today.
us on Facebook
@endsleigh
O:
ER INF AS
PRINT
SET UP
FOLDS
INTING
NON PR LOURS
CO
SPOT
ERATE
ON A SEPDO NOT
–
LAYER
Swap this
freshers
flyer for
a free
flier.
No
With the
1 studen
Share
rch
Sea
+
Phone
Chat
Laptop
es
Gam
Cloud
s
App
ily
Fam
Friends
Shop
Laptop
by
recom
Insurance
Tex
t
Work
H
Phone
=
from
£8.99
per month**
Follow us on
*24 hours represents 1 working day from us approving your claim.
**£8.99 a month is based on a student living in halls of residence already covered
by Endsleigh, covering a mobile phone and a laptop up to the value of £750.
Endsleigh Insurance Services Limited is authorised and regulated by the Financial
Services Authority. This can be checked on the FSA Register by visiting its website at
www.fsa.gov.uk/register/. Endsleigh Insurance Services Limited. Company No: 856706
registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.
Insurance recommended by
04321 ENDS Freshers - A5 Flyer 1
12
03/08/2012 11:44
04321 ENDS Freshers - A5 Flyer 2
03/08/2012 11:44
13
KENSINGTON
14
15
INVESTEC
Professional Mortgage
Conditions 2013 (v1)
(England & Wales)
Includes Buy to Let Conditions
The Professional
Mortgage Choice
Application for consent
to let mortgaged property
At Investec, we understand the value of your professional
clients. We also recognise that meeting the demands
of these clients requires a mortgage lender with a
competitive suite of products and distinctive approach
to service delivery.
Name
Which is why we have launched our new range of
Professional Mortgages for business professionals
and qualified professionals with sophisticated
financial circumstances.
Account Number
Property Address
(during tenancy)
Whether it’s a purchase, remortgage or an investment
property, we have a range of Professional Mortgages
designed to meet the demands of your professional
clients.
All of our mortgages are available for larger loans, allow
overpayments and we can consider all of an applicant’s
income sources when we assess affordability.
Buy to Let
Product Guide
March 2013
£
Investec mortgages are for Qualified Professionals and Business Professionals.
This is how we define these categories:
/
Name of Tenant(s)
(If known)
Solicitors acting
on your behalf
/
To
/
/
QUALIFIED PROFESSIONALS
BUSINESS PROFESSIONALS
Minimum income: £75,000
Minimum income: £75,000
Accountant, Actuary, Architect, Barrister, Dentist, Medical
Practitioner, Optometrist, Pharmacist, Pilot, Solicitor,
Surveyor, Veterinarian and other professions that have an
externally recognised qualification requiring a similar level
Postcode
of expertise and study as the examples shown.
Directors, Partners, Senior Executives/Managers or
Business Heads that have significant influence over
corporate governance or strategic business direction.
Managing agents
acting on your
behalf
Postcode
I/We hereby
Please tick the appropriate box below for each of the questions asked:
Please keep these mortgage conditions
and any other documents relating to
your mortgage in a safe place in case
you need to refer to them in the future.
1. Agree to the letting conditions
Yes
No
2. Confirm that we currently occupy the security property
Yes
No
Do you have a case to discuss?
Call us now on
0800 977 6000
Client Signature 1
IM/LE/3000/001
Client Signature 2
Professional Mortgages
Investec Bank plc is a company limited by shares and registered in England and Wales at Companies House. Our registered office is 2 Gresham Street, London EC2V 7QP and our registered number is 00489604.
The VAT number for Investec Bank plc is 480912639. Investec Bank plc is authorised and regulated by Financial Services Authority.
/
/
Investec Bank plc is a company limited by shares and registered in England and Wales at Companies House. Our registered office is 2 Gresham Street, London EC2V 7QP and our registered number is 00489604.
The VAT number for Investec Bank plc is 480912639. Investec Bank plc is authorised and regulated by Financial Services Authority.
IM/CS/1002/001
Investec Bank plc is a company limited by shares and registered in England and Wales at Companies House. Our registered office is 2 Gresham Street, London EC2V 7QP and our registered number is 00489604.
Date
The VAT number for Investec Bank plc is 480912639. Investec Bank plc is authorised and regulated by Financial Services Authority.
Residential mortgages
Loans of up
from 2.89% and
to £2m
to 85% LTV
Residential mortgages
from 2.89% and
to 85% LTV
into account
BTL rates from
3.99% and toincome taken
into account
80% LTV
3.99% and to
80% LTV
For Intermediary
For Intermediary
Use Only Use Only
For Intermediary
For Intermediary
Use Only Use Only
Loans
Loans of
of up
up
to
to £2m
£2m
100%
100% additional
additional
income
income taken
taken
into
into account
account
BTL
BTL rates
rates from
from
3.99%
3.99% and
and to
to
80%
80% LTV
LTV
For
For Intermediary
Intermediary Use
Use Only
Only
The
The Professional
Professional
Mortgage
Mortgage choice
choice
is
is here
here
For
For Intermediary
Intermediary Use
Use Only
Only
Interest Only Exclusive
only available
Investec Interest
Investec
a
up to 75% LTV Take
Professional
Professional
closer
Mortgages
Mortgages
look
For
Intermediary
Use Only
For
For Intermediary
Intermediary Use
Use Only
Only
Residential
Residential mortgages
mortgages
from
from 2.89%
2.89% and
and
to
to 85%
85% LTV
LTV
Term
Rate
2 year until 30/06/15
3.29%
3 year until 30/06/16
3.49%
Reversion Rate
LIBOR +3.84% (currently 4.84%). Current LIBOR is 0.55% with effect from 13th
February 2013. For the purposes of these products, LIBOR is subject to a 1% floor.
Application Fee
£250, payable on application and non-refundable.
Minimum Income
£120,000 basic salary.
Employment Status
PAYE only, no self-employed.
Completion Fee
Up to £500,000: £999 or £500,001 to £1m: £1495.
up
Take a Loanstoof£2m
closer100% additional
look income taken
100% additional
The Professional
Mortgage choice
BTL rates
isfrom
here
The Professional
Mortgage choice
is here
Must have a realistic and plausible repayment strategy and complete a Supplementary
Form for Interest Only Residential Mortgages. No debt consolidation.
For
Intermediary
For
Use Only
UseIntermediary
Only
Please call to discuss each case on an individual basis.
See our Residential product guide for more product information.
For Intermediary
Use Only
For Intermediary
Use Only
For Intermediary Use Only
Do you have a case to discuss?
IM/PR/5003/001
From
Rent Per Month
For
For Intermediary
Intermediary Use
Use Only
Only
Investec Professional Mortgages
75%
Length of Lease
For
For
Intermediary
Intermediary
Use
Use Only
Only
For Intermediary Use Only
LTV
Reason for letting
Terms for letting
Take a
closer
look
For Intermediary Use Only
We only lend to clients in this market,
which means we
Postcode
have built our entire proposition to meet the requirements
of professionals. Not only are we unfazed by sophisticated
circumstances, we thrive on them.
Postcode
Correspondence
Address
Investec
Professional
Mortgages
Call us now on
0800 977 6000
Investec Bank plc is a company limited by shares and registered in England and Wales at Companies House. Our registered office is 2 Gresham Street, London EC2V 7QP and our registered number is 00489604.
The VAT number for Investec Bank plc is 480912639. Investec Bank plc is authorised and regulated by Financial Services Authority.
Residential Exclusives
Investec Bank plc is a company limited by shares and registered in England and Wales at Companies House. Our registered office is 2 Gresham Street, London EC2V 7QP and our registered number is 00489604.
The VAT number for Investec Bank plc is 480912639. Investec Bank plc is authorised and regulated by Financial Services Authority.
Investec Professional Mortgages
For Intermediary Use Only
Exceptional cases as standard
Multiple income sources and bonus income
Interest Only with a credible repayment strategy
Large Loans up to £2m
Experienced contractors, affordability on pro rata day rate
Residential
16
Second Homes
Buy to Let
FIND OUT MORE
17
Other clients we have worked with include:
That, in a nutshell, is our financial services story and this, in a
Regency building in Cheltenham, is Factor 3.
If you’ve got as far as reading this perhaps we’ve interested
you enough to find out how we might be able to help you and
your brand. Do get in touch and we can have a chat about
that or any aspect of our experience.
T 01242 254242 E [email protected] W factor3.co.uk
Wedding
Insurance
from just £30
Double the savings
you leave your
loved ones
Free death benefit for savers*
How we ensured the
bride’s big day didn’t end
in floods of tears...
The recent catastrophic flooding in Gloucestershire
cut off entire communities and left thousands of
people knee deep in trouble. It also left one bride
separated from her reception. What had been a
river as the ceremony began became a sea of
floodwater as the happy couple stepped arm in
arm from the church.
Wearing a beautifully fitted wedding dress, set off by
fetching green Wellingtons, the bride called us from a
care home opposite the church.
With people’s safety paramount we advised
Sarah and Andrew to cancel the reception and
enjoy their honeymoon in sunny (and dry) Egypt,
safe in the knowledge that their insurance
covered their losses.
On their return we visited the couple and their
parents and gave them an up front payment so
they could start re-booking cars, photographers
and the venue. We even stepped in on the couple’s
behalf to negotiate terms with the hotel and sent a
complimentary bottle of champagne for the morning
of the new reception.
From rings to receptions, your big day is too precious
to leave uninsured.
At Ecclesiastical we can’t hold back floods but
we can, as the UK’s leading provider of wedding
insurance, ensure any little problems don’t become
big financial ones.
Cover starts from just £30 and we can help you to
tailor your policy to match your wedding plans.
Contact us now and ensure that the only tears
on your wedding day are tears of joy.
0845 777 3322
Call us on
Quote ref: YW
or apply online www.ecclesiastical.com/weddings
18
Making insurance mutually beneficial
19
The promise we
make to every client
We spend a lot of our waking hours preaching to clients
about the value of figuring out just what it is that makes
their brand different and better.
So it is beholden on us to have practised what we preach.
‘Winning made more fun’ is the promise we strive to
deliver every day. It is all about enjoyable success.
Enjoyable because it’s a success, obviously, but hopefully
enjoyable in every other way, too.
Enjoyable because we deliver on time. Enjoyable because
we took time to understand your business, your market,
your brief and your foibles.
Enjoyable because we’re open and honest, because we
don’t lose enthusiasm as the years tick by, and enjoyable
because we are as committed to your business as you are.
Enjoyable because we demystify the digital world,
because Hotel du Vin is opposite us, and because cake
fuels a lot of our meetings.
Together perhaps we, too, could do some winning work and
have fun along the way.
Royal House, Parabola Road
Cheltenham, Gloucestershire GL50 3AH
T 01242 254242
E [email protected]
W factor3.co.uk
20