With this, he will find plenty of lenders willing to lend him up to 3.5 times his salary, which he will need to buy a property at his higher target of 60,000. The Norwich Union Ethical Isa Declan owns is a relatively new fund but it has low charges. Ethical investing may be considered higher risk due to the volatile nature of these types of funds. This is not a bad rate of return, particularly as it is not a tax-free fund. Ray Boulger works for independent financial adviser Charcol.
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