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The Equity Release Council is the UK's equity release industry body that sets standards to protect consumers. Its members commit to following a set of five product standards: fixed or capped interest rates (for lifetime mortgages), the right to remain in the property, the right to move to another property, the ‘no negative equity guarantee ...
In the UK, there are various approved tax and employee share schemes, [10] including Enterprise Management Incentives (EMIs). [11] (Employee share schemes that aren’t approved by the UK government don’t have the same tax advantages.)
During the four years after the 2007–2008 financial crisis, the UK mutual sector provided approximately 80% of net lending to the housing market. [2] There are currently over 200 significant separate financial organizations supplying mortgage loans to house buyers in Britain, with Lloyds Bank and the Nationwide Building Society having the ...
For instance, to offer public floats in the United Kingdom, a company must be incorporated, i.e. be a public limited company under UK law. Also, the company should have published or filed audit accounts for at least a three-year period, have trading and revenue earning records for at least three years, its higher management and directors must ...
In the UK, fixed-rate mortgage is the name given to an adjustable-rate mortgage with the interest rate locked in for the first two to five years. [5] At the end of that time, many borrowers refinance their mortgages to lock in another stable rate for the next few years. [ 5 ]
On 31 October 2014 the UK Government announced that it would redeem the 4% consols in full in early 2015. [2] It did so on 1 February 2015, and redeemed the 3 1 ⁄ 2 % and 3% bonds between March and May of that year. The final 2 3 ⁄ 4 % and 2 1 ⁄ 2 % bonds were redeemed on 5 July 2015. [3]
The "good bank" was Northern Rock plc, which was responsible for holding and servicing all pre-existing customer savings accounts and some pre-existing mortgage accounts. Northern Rock plc received additional capital of £1.4 billion of equity from the UK government. The strategy was to prepare the bank for sale into the private sector.
Free cash flow to equity (FCFE) is the cash flow available to the firm's common stockholders only. If the firm is all-equity financed, its FCFF is equal to FCFE. FCFF is the cash flow available to the suppliers of capital after all operating expenses (including taxes) are paid and working and fixed capital investments are made.