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Menu products have come a long way since they first launched, and as Peter Elliott discovers, clients will soon be able to expect flexibility as standard

Flexibility seems to have pervaded much of our daily lives, from students with flexible learning, to employees with flexible working. But it has also had a big impact within financial services. We have flexible savings accounts, flexible credit, flexible pension arrangements and of course flexible mortgages which, according to the Council of Mortgage Lenders, now account for more than one in six new mortgages and which Datamonitor expects to reach two-thirds of new mortgages by 2004. Such phenomenal growth is not going to surprise many in the industry ' people simply want flexibili...

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