Any loan that meets the product feature requirements with a debt-to-income ratio of 43% or less is a QM. 2. âGSE-eligibleâ category of QMs. Any loan that meets the product feature requirements and is eligible for purchase, guarantee, or. insurance by a GSE, FHA, VA, or USDA is QM regardless of the debt-to-income ratio (this QM category. applies for GSE loans as long as the GSEs are in FHFA conservatorship and for federal agency loans until. an agency issues its own QM rules, or January 10, 2021, whichever occurs first).
They are called Individual Savings Accounts or ISAs. ISAs are a place where you can put a range of savings and investments. However, you don't pay any tax on the interest or income you earn. There are two types of ISA: 1  a cash ISA. 2  an investment ISA.3  Investment ISAs are also known as stocks and shares ISAs.SAs are a place where you can put a range of savings and investments. However, you don't pay any tax on the interest or income you earn. There are two types of ISA: 1  a cash ISA. 2  an investment ISA.
Stocks & Shares ISAs. A Halifax stocks and shares ISA gives you a great way to invest up to Â£15,240 tax efficiently in the 2015/16 tax year. If you don't make full use of your allowance, you won't be able to carry anything over into the next tax year.Account name. Maximum contribution.ou can save up to Â£15,240 in an ISA in the 2015/16 tax year. You can choose to save your ISA allowance of Â£15,240 in cash, stocks and shares, or any combination of the two provided that you don't exceed more than Â£15,240 in total for the 2015/16 tax year.