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                                                                                           MPPI – THE WAY AHEAD                                                                                        “WELCOME TO THE WINTER EDITION OF INSIGHT, ONCE AGAIN
BUSY LIVES                                                                                 There is currently much media comment on
                                                                                           Mortgage Payment Protection Insurance and
                                                                                           as a result we have been carefully researching
                                                                                                                                                                                                        PUT TOGETHER WITH THE AIM OF KEEPING YOU INFORMED
                                                                                                                                                                                                        ON HOW TO MAKE THE MOST OF YOUR FINANCES. ”
Being busy professionals ourselves,                                                        the market in order to find a top quality
we understand that time is precious and                                                    provider to enable us to ensure that our clients
                                                                                           have the opportunity to benefit from what is
that working days may start early and                                                      all too often a necessary product in the current
finish late. But personal matters, such                                                    economic climate.
                                                                                             We have now selected MMS, a specialist

as arranging a mortgage, are equally                                                       Accident, Sickness and Involuntary
                                                                                                                                                                                                        WELCOME NOTE
important and shouldn’t be squeezed                                                        Unemployment provider of 27 years standing                                                                   LOCATION, LOCATION
                                                                                           to provide our market leading range of                                                                       INTERNATIONAL MORTGAGES
into a late-night stint at the computer.                                                   Mortgage Payment Protection Insurance                                                                        REMORTGAGING
                                                                                           products, backed by Lloyd’s.                                                                                 WIN A LUXURY TRIP
                                                                                                                                                                                                        STAFF MORTGAGE SCHEMES
                                                                                             Cover is available for accident, sickness and
                                                                                                                                                                                                        MORTGAGE PAYMENT PROTECTION INSURANCE
The success of our Staff Mortgage Schemes shows the very real                              involuntary unemployment or either element
demand amongst City workers for expert advice on mortgages and                             separately. Prices are extremely competitive
is a valuable addition to a staff benefits package.                                        in comparison to the rest of the marketplace
   We now have around 80 companies on board, with a steady stream                          starting at just £3.50 per £100 of cover and
of new clients signing up every month.                                                     we offer the widest cover available.
   As an employee benefit, Charles Cameron & Associates provides                           For example;
firms with seminars and surgeries for their staff at no cost to the                        • there is no requirement for 6 months
company. By travelling to the client’s premises, we can help companies                     employment prior to inception of cover,
make the most of their staff’s time and remove the need for late starts                    • there is no exclusion for backache,
or early doors.                                                                            • there is no exclusion for dismissal or
   As well as group sessions, we can provide one-to-one sessions which                     failing to hit targets,
allow individuals to discuss their mortgage requirements with their                          Cover is available for new or existing
own specialist adviser. Our consultants have extensive experience of                       mortgages on exactly the same terms.
all aspects of buying and selling property and can refer any related                       Please speak to your adviser for a full list
questions, such as writing a will or IHT, to our other departments.                        of product options or if you would be
   If you think your company might be interested in joining the scheme,                    interested in a quotation. Alternatively, email
please contact our Marketing Director, Kirsti Fenn for more details on                     info@ccameron.co.uk
020 7651 3842 or email kirsti.fenn@ccameron.co.uk

Thank you for taking the time to read our latest news – we do hope
you have discovered something you didn’t know before that will bring you
benefits for the future. As always, we welcome your feedback so please
contact us if you would like any more information or have any suggestions
for the next newsletter. And if you’re not thinking of remortgaging or
moving yourself right now you may know someone who is, so why not
suggest they give us a call?
                                                                                                                                                           Design: www.playnedesign.co.uk
                                                                                                                                                           Editorial: www.davidandrewsmedia.co.uk

T +44 (0)20 7651 3800         F +44 (0)20 7651 3801
info@ccameron.co.uk             www.ccameron.co.uk

Your home may be re-possessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, although this is
normally paid by way of an introduction fee from the lender we arrange your mortgage with. The precise amount of any fee will depend on your own
circumstance, but typically this could be 0.5% of the amount borrowed. Some types of mortgages are not regulated by the Financial Services Authority.                                               December 2007                                The quarterly newsletter of Charles Cameron & Associates
                                                                                                        OFFICE MOVE

                                                                                                        LOCATION, LOCATION,


                                                                                                        As the end of yet another busy year
                                                                                                        draws near, we at Charles Cameron
                                                                                                        & Associates can look back at
                                                                                                        12 months of continued growth.
December 2007                                The quarterly newsletter of Charles Cameron & Associates

WELCOME TO                                                                                              We have doubled our
                                                                                                        capacity in recent years and
THE WINTER                                                                                              as a result have relocated
                                                                                                        from Cannon Street to new
EDITION                                                                                                 offices at the magnificent
                                                                                                        riverside premises Vintners’
OF INSIGHT                                                                                              Place, next to Southwark
                                                                                                        Bridge. This historic City
                                                                                                        site has been a location
                                                                                                        for commerce and industry
Welcome to the winter edition of insight,                                                               since the time of the Roman
once again put together with the aim of keeping                                                         Empire and continues to
you informed on how to make the most of                                                                 be at the heart of modern
your finances.                                                                                          business. We considered it
   Firstly, I must apologise for the hiatus in                                                          a fitting location for                                          REMORTGAGING                                                                          offers on a regular basis, it’s nigh
production of our regular newsletters. Since                                                            Charles Cameron &                                                                                                                                     on impossible for borrowers to keep
I last wrote to you we have been incredibly
busy growing the company in response to client
demand and have also upped sticks and moved
                                                                                                        Associates’ head office.
                                                                                                           With growth predicted to be equally strong in the future
                                                                                                        we have also set our sights on securing office space at the
                                                                                                                                                                        TAKING STOCK                                                                          pace without specialist help. Charles
                                                                                                                                                                                                                                                              Cameron & Associates has a
                                                                                                                                                                                                                                                              substantial edge in the marketplace
to more spacious offices in the prestigious City                                                        illustrious Canary Wharf. With many of our clients based        In the next 12 months it has been estimated                                           which enables us to obtain the more
location of Vintners’ Place which, as with any                                                          in the heart of E14, and many more expected to move there,                                                                                            complex mortgage deals because our
house move, has had its challenging moments!                                                            we believe the best way to serve them is to be within walking   that 1.5 million people with a mortgage that                                          reputation and the business volumes
   We are now well settled in and see this move                                                         distance. Our clients have shown us exceptional allegiance      was taken out on a low fixed rate, will find                                          we provide to leading lenders.
as the start of a new chapter in the company’s                                                          and support and we are keen to do what we can to                                                                                                         Every homeowner can potentially
development, providing the opportunity to                                                               demonstrate how much we value their loyalty.                    this fixed period coming to an end.                                                   benefit from remortgaging, a large
redouble our growth and the services we can                                                                                                                                                                                                                   majority don’t take advantage of the
offer to our clients.                                                                                                                                                                                                                                         lower rates on offer because they think
   With the festive season upon us and a new                                                                                                                            After the recent turbulent times in the    mortgage taken out two years ago at        it will be the same gruelling process
year round the corner, now is a good time to
take stock of your financial situation and consider
                                                                                                        INTERNATIONAL                                                   economic world, interest rates now
                                                                                                                                                                        appear to have stabilised, making it an
                                                                                                                                                                                                                   a fixed rate of 4.29% would require
                                                                                                                                                                                                                   an eye-watering £816 per month extra
                                                                                                                                                                                                                                                              as applying for a new mortgage. This
                                                                                                                                                                                                                                                              doesn’t have to be the case; when you
whether you need to make a change, particularly
to the major commitment of your mortgage.
                                                                                                        MORTGAGES                                                       ideal time to take stock of your current
                                                                                                                                                                        financial situation and consider the
                                                                                                                                                                                                                   when reverting to the SVR, currently
                                                                                                                                                                                                                   around 7.75%.
                                                                                                                                                                                                                                                              remortgage through Charles Cameron
                                                                                                                                                                                                                                                              & Associates we make the whole
As we explain in this edition of insight,                                                               Our International Department has now been                       best option for finding yourself a new        But there is always another deal that   process as pain free as possible so
remortgaging is an excellent way of rearranging                                                         established for over a year and has seen remarkable             mortgage deal.                             may assist you in maintaining your         if the time is right for you then why
your finances to your advantage, especially                                                             success during that time. Led by founder member                    The recent credit crunch crisis is      current level of commitment; we at         not contact one of our mortgage
when the New Year could bring reduced bonuses,                                                          Caroline Cooke, the team has expanded to five                   still dominating the front pages and       Charles Cameron & Associates have          consultants. We offer a completely
so why not take the holiday time to make                                                                consultants and is fast becoming known as                       the effects are beginning to be felt.      access to the best remortgage rates        independent, obligation free chat
a change in your favour.                                                                                a leading broker in the booming overseas                        City bonuses are predicted to fall by      on the market, allowing us to find         to see how we can rearrange your
   As always, we are more than pleased to hear                                                          mortgage market.                                                about 16% and the financial services       the arrangement that best suits your       mortgage which could see you making
from you should you have any concerns or                                                                  Overseas property investment is both a lucrative              sector may lose many thousands of jobs     needs and guarantee savings that you       considerable savings. Give us a
questions so please get in touch whichever way                                                          and enjoyable activity and, with the right advice,              as a result. In this uncertain climate,    wouldn’t be able to find yourself.         call, you have nothing to lose and
suits you best – phone, email or even the dying                                                         can be a dependable long-term vehicle for capital               it’s advisable to make sure your money        Researching the mortgage market         everything to gain!
art of letter writing.                                                                                  growth. Caroline and her team are fluent in several             is working for you as best it can and      and working out all the sums involved         To speak to an adviser please
   From all of us here at Charles Cameron                                                               languages and make it a priority to keep abreast                not leave yourself open to the risk of     is very time consuming; most people        call 020 7651 3939 or email
& Associates, a very merry Christmas and                                                                of the changing laws and procedures affecting                   being a casualty of the fall-out.          have their own busy workloads and          info@ccameron.co.uk
a prosperous New Year.                                                                                  the process of buying property in many different                   Borrowers who have been enjoying        lack the specialist knowledge that’s
                                                                                                        countries. The entire project can prosper or fail               the shelter and certainty of short-term    needed to cut through the swathes
                                                                                                        by the strength of the foundation – the mortgage                fixed rate mortgages will be exposed       of information to find the most             WIN A LUXURY TRIP
                                                                                                        – so don’t cut corners, give the team a call if                 to the elements when they have to face     advantageous deal.                          See enclosed postcard
                                                                                                        you are thinking of finding yourself a place abroad.            the reality of reverting to a standard        With hundreds of different products      for further details
                                                                                                                                                                        variable rate. For example, a £350,000     out there and lenders changing their

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