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• Hong Leong Bank Aims For 10 Pct Growth In Housing Loans
• ANZ National Raises Home Loan Rate on Credit Costs, Herald Says
• January’s figures ended the seven month slump in home loan approvals, says the Bank of England…
• Mortgage loans for business and home purposes
• Got a home loan? Take care of property papers
• Loans become an issue as personal savings grows in importance
• Home loan holders express election jitters
• Home loans in Spain from Leeds & Holbeck
• Australia’s Nov. Personal Loan Commitments Down 0.3% On Month
• LOANS ARE AVAILABLE’: Avante offers incentives at Denali

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The International Monetary Fund (IMF) has approved an emergency loan of €351 million (£231 million) to Iraq, in the first time the IMF has given Iraq a loan of any sort.In return Iraq will have to show progress in stabilising its economy and pursue other structural reforms. The IMF said it hoped the loan would act as a spur for more international economic aid, including debt relief. Takatoshi Kato, deputy managing director at the IMF, said Iraq’s foreign debt ought to be reduced to a “sustainable level”. “The emergency post-conflict assistance to Iraq is a crucial step towards putting Iraq back on the path to economic stability and strong, sustainable growth,” he said. The announcement comes as the Paris Club of 19 rich industrial nations met to discuss debt relief for Iraq, but the group is at odds over how much to remove from the country’s debt.America and Canada want 90 per cent of Iraq’s $120 billion (£66 billion) overseas debt to be cancelled.

European nations Russia and France want to cut less than half. The US is to pressure the Group of Seven industrial nations at a meeting in Washington to agree a more generous package of debt relief.All nations were unanimous on deferring Iraq’s debt repayments until the end of 2005. Iraq’s interim prime minister, Iyad Allawi, said elections will go ahead in the fledgling democracy next January as planned, despite the intense violence the country.

Alliance & Leicester have slashed their personal loan rate by more than half a per cent - making it one of the lowest rates on the market.Consumers can now get a loan for 5.8 per cent throughout October - on loans of £5,000 to £15,000.Andy Bayes, head of personal loans at the bank, commented: “This rate reduction means our rate is among the most competitive deals available in the UK and makes our loans even more competitive compared to the big High Street banks. “However, these rates are available for a limited period only, so borrowers will have to be quick to benefit from our lowest ever rate,” he added.Alliance & Leicester offers customers two loan options - a loan for whatever purchase you have in mind and a Car Purchase Plan which is a deferred payment loan.

The banking industry has sent out a warning to users of its online facilities following a new wave of Internet fraud.Industry body Apacs has announced that £4.5 million has been stolen from online bankers in the past nine months alone.That figure represents a sharp increase in fraud over the course of this year and the number of victims has shot up from 100 in 2003 to 2,000 so far this year.Many of those victims were duped into giving their details by phoney e-mails, while others had their computers infected with programmes allowing fraudsters to record their log-in details.In an attempt to reduce the number of people affected by online fraud, Apacs is launching a new website, banksafeonline, giving customers information on how to protect against such deception.

The new website is intended to “encourage anyone who hasn’t thought about protecting themselves before to start doing so now,” explained Apacs spokeswoman Sandra Quinn.The decision to introduce the new site comes after an Apacs survey revealed four per cent of users of online banking would automatically give out their personal bank details in response to a legitimate-looking e-mail.

The Government’s Decent Homes programme has been strengthened by the announcement of more than £2.5 billion for Arms Length Management Organisations (ALMOs). There will also be further opportunities for councils to bid for places on the ALMO, PFI or transfer programme and ensure they meet the 2010 target to deliver warm, weatherproof and more modern homes.

The package was revealed by Housing Minister Keith Hill during a visit to Peterborough to mark the transfer of the City’s housing stock of nearly 10,000 homes to a new Registered Social Landlord (RSL), Cross Keys Homes.The funding for ALMOs over the next three years (2005-07) includes £453 million allocated for those councils previously awarded places on Round 4 of the ALMO programme, and £450 million given as the second allocation of funds for Round 2 ALMOs.Mr Hill said the ALMO announcement further underlined the Government’s continuing commitment to delivering decent homes.”Making sure tenants have a decent home is about more than just improving bricks and mortar,” he said.”Increasingly it is about improving the environment they live in, helping to breathe new life into our communities.

Insurer Standard Life has announced that it has been forced to abandon its promise to make up the shortfall in its customers’ endowment mortgages. The company has blamed poor investment performance for the move, which will affect an estimated 600,000 policyholders.

Many of those covered by the pledge will now receive top-up payments that are thousands of pounds less than they were expecting.In 2000, the mutual pledged that it would guarantee its endowment policies provided it met investment targets. However, policies maturing from 2006 will now not be entirely covered by the pledge.Standard Life claims to have put £393 million aside since 2000 to cover endowment policy shortfalls. The company was estimated to be facing a potential bill of as much as £4.8 billion to meet the promise it had made to policyholders.

Yesterday’s decision by the Bank of England (BoE) to leave interest rates on hold has been welcomed by commentators.Peter Bolton King, chief executive of the National Association of Estate Agents claimed the five increases in the last year have had the required effect and slowed a previously “racy” housing market.However, he expects a further quarter of a point rise before the end of the year which he believes are “not needed by the housing market, let alone the dismal manufacturing sector”, and will do it “no favours”.

Meanwhile, Jeremy Peat, chief economist at The Royal Bank of Scotland Group, also welcomed the decision.”This must have been another wholly non-controversial MPC meeting,” he said. “Indeed, I would be surprised if anyone even bothered seriously to argue the case for a rate rise.”The distinct majority of recent data, domestically and internationally, have been softer than expected. “In the UK industrial production has disappointed, while retail sales look to have sagged and the housing market appears headed for a soft landing.

Financial advisers are critical of the direct marketing material that financial providers send to their customers, a survey from National Savings and Investments (NS&I) has found.When asked if they thought direct marketing shows that financial providers don’t understand customers’ needs, nearly half of those surveyed (48 per cent) agreed.

Almost half again (47 per cent) agreed that it was inappropriate cross-selling and 43 per cent thought it was a waste of money.Just 4 per cent of the 218 advisers surveyed said they thought the direct marketing material financial providers sent to their customers showed good use of their marketing budget and 9 per cent said it was useful and informative.NS&I’s survey also found that financial providers don’t make enough use of television or radio to advertise and promote their products to customers. One in four (27 per cent) said radio was used sufficiently and one in three (37 per cent) thought financial providers made the most of TV.

But advisers were more positive about press advertising and coverage, with 86 per cent saying financial providers promote their products sufficiently through trade press advertising and half (51 per cent) saying national press advertising is used adequately.

The Council of Mortgage Lenders (CML) is advising consumers to check that any adviser they plan to use to arrange their mortgage will be appropriately registered to introduce mortgage business in the future.The move comes just over a month before Mortgage Day - the date on which the Financial Services Authority (FSA) takes over the statutory regulation of mortgages.

Intermediaries must either be directly authorised by the FSA, or must be an appointed representative of an authorised firm, if they wish to continue submitting mortgage business to lenders from November 1st. Applications through intermediaries registered with the Mortgage Code Compliance Board (MCCB) may continue to be made to lenders in October, even if the mortgage does not fully complete until after Mortgage Day. But any new applications received from November 1st onwards must be from FSA registered intermediaries only. Lenders are not allowed to accept business from unauthorised intermediaries under the FSA rules, and will not process these applications.

To avoid possible delays, consumers have been told to check that their intermediary is an MCCB subscriber now, and will be authorised to undertake mortgage business under the new rules, before making their application. The CML emphasised that information from the FSA suggests that the vast majority of intermediaries do seem to be on track to be authorised in time.

 New research by Halifax Unsecured Personal Loans shows that Britons are a nation of home improvement fanatics.When asked what they would spend a £25,000 windfall on, the top answer people gave was home improvements (25 per cent) closely followed by holiday and travel (23 per cent).The research also showed people are not particularly charitable, with only four per cent of those asked saying they would give the money to loved ones. Buying a car and paying for a child’s education came in third and fourth on the listThe head of Halifax unsecured personal loans, Gary Duggan, called some of the results “very surprising”, saying he “did not expect as many people to list paying for their own or their children’s education”.

He added: “With a new educational year just beginning, it shows just how many people may be struggling to afford to send children to university or equip them for school.”He concluded: “As a nation we’ve got a long established love affair with our homes and these results confirm it.”For those who said they would opt for a holiday, over a third (36 per cent) said they would want to head for sunnier climes and spend it relaxing on a beach.

However, as a nation we also showed an adventurous side, with nearly a third of us (28 per cent) saying we’d like to take a round-the-world trip.

The director of research at the Prudential has urged the public to make their money work harder.Speaking on yesterday’s BBC Radio Four’s ‘Today’ programme, Mr Leeson said that large numbers of people are ‘clingers’ who simply leave their money in cash accounts.As such they are not managing their money effectively, something he said was down to unfamiliarity with savings products.Mr Leeson said: “Basically people are keeping it on deposit as a comfort blanket and that is in excess of the money you need for day to day living expenses and that rainy day money.”He added: “This is money that could be working harder rather than just languishing on the high street.”Mr Leeson estimated that around £107 billion was left in bank accounts with a poor rate of interest.

He concluded: “These individuals are clingers, they are cash loving individuals not earning extra returns. “They are worried about risk and many times they are too busy to get their spare cash out of poor performing savings accounts and they tend to find managing their accounts all too confusing.”