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A greater desire for longer-term fixes presents a threat to income that must be dealt with now, argue some brokers. At the end of March, Moneyfacts revealed that the average rate for a two-year fix across all LTVs came to 2.85%. For a three-year fix, the average rate was at 2.86% and, for a five-year fix, 3%.
In light of Aviva's mammoth £385m deal for advice firm Succession Wealth, Professional Adviser has gathered up all of the big provider-led advice acquisitions of the past 10 years since the Retail Distribution Review to highlight the return of the product creator in financial advice.