Santander is increasing its SVR mortgage rate tomorrow, Wednesday 3rd October, so if you're a customer you need to make sure you're prepared.
Here's what you need to know:
The SVR will rise from 4.24% to 4.74%, adding around £26 a month to repayments on a £100,000 mortgage.
If you're an SVR customer you need to make sure you can afford your new repayments and, if you're going to struggle, contact Santander right away.
You should also check that the deal you're on is still the best, and most affordable that you can get. You can use our action plan: How to get the best remortgage deal to work out whether you should switch.
Thousands of employees of the UK's biggest companies have already been auto-enrolled in the scheme, which will be rolled out for all workers over the age of 22 earning more than £8,105 over the next 5 years in an attempt to get the masses saving for retirement.
If you're paid minimum wage you'll need to make sure your earnings are adjusted accordingly. As of 1st October the minimum wage for workers aged 21 and above rose to £6.19p/hour, a below-inflation increase that adds just 11p an hour to the basic wage. Rates for those aged between 16 and 20 remain the same as last year while the hourly rate for apprentices increased to £2.65 an hour.
They'll need to produce an ATOL certificate for you whenever you book a package holiday, break that includes a flight plus hotel or car hire, or a flight with any company other than the airline. The ATOL certificate will set out clearly how you are protected in the event of travel company collapse, which company your cover is for and what you're entitled to should the worst happen.
That's thanks to a crackdown by the Information Commissioner's Office. They have already hit two marketing companies with fines of over a quarter of a million pounds and want the public to help them stop more text spammers by reporting unwanted texts to their network provider.
They are the first High Street bank to revamp their bonus system but it's hoped that an industry-wide change to this effect would reduce the number of mis-selling scandals that result because of pressure placed on branch staff to meet sales targets.
The BIS have proposed an amendment to the Estate Agents Act that would free property portals from legislation that currently forces them to carry out the same checks on independently listed properties that estate agents do.
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