Sarah Davidson's Blog

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Sarah Davidson

Interest-only is a personal investment

Why are interest-only mortgages so bad for someone living in a house when you could compare it to a buy-to-let loan with a long term tenant? [More]
Sarah Davidson Friday, 27 April 2012 2 Comments
 

Are brokers paying for lenders’ losses?

Lenders are planning for a fall

Protection doesn’t serve customer wants

Great white hope or rental bubble for 2012?

Market share fight is a broker boon

Keep calm and carry on

Charles Haresnape's Blog

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Charles Haresnape

Why lenders aren't supporting NewBuy

lenders are not falling over themselves to develop products for hard-pressed first-time buyers [More]
Charles Haresnape Friday, 30 March 2012 1 Comments
 

Buy-to-let in the year of the dragon

The real issue facing first-time buyers

Landlords Dilemma

Martin Reynolds's Blog

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Martin Reynolds

Sell yourself not products

A key litmus test in whether you are succeeding in putting service first on a consistent basis is by looking at your last two months’ appointments [More]
Martin Reynolds Friday, 02 March 2012 0 Comments
 

Lead generation begins at home

Niche to see you, to see you...

Reasons to be cheerful

Review or not to Review

Is the Housing Market Henman or Nadal?

Whether it is Chelsea away or MMR there can be a positive outcome

Tony Ward's Blog

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Tony Ward

The Chinese Way

The government, Bank of England and FSA are hugely worried that unless we take these measures we are vastly exposed to a potential second banking crisis [More]
Tony Ward Thursday, 03 May 2012 0 Comments
 

The Chinese Way

And the watchword for today is deleveraging

The price of AAA

It’s all about risk

The next big thing

An orderly withdrawal

Nigel Payne's Blog

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Nigel Payne

Banks and PPI – an opportunity for brokers?

So the banks lost their case on PPI mis-selling and are now setting aside billions of pounds for potential claims. [More]
Nigel Payne Thursday, 07 July 2011 0 Comments
 

Banks and PPI – an opportunity for brokers?

Payment protection demand rising

Do you know your suppliers?

How are your penetration rates?

Indemnity or non-indemnity?

Protect your rent

Phil Jeynes's Blog

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Phil Jeynes

Decreasing term plans not sound protection planning

Picture the scene: your partner comes home from the doctor and tells you that he/she has been diagnosed with cancer. [More]
Phil Jeynes Wednesday, 01 February 2012 0 Comments
 

RDR switch to charging fees is protection opportunity

Protection industry in need of some fluff

Whole of life cover a good alternative to term assurance

Protect your children's education

Protection need is there

Consolidation stunts innovation

Gemma Harle's Blog

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Gemma Harle

The tragedy and restoration of proctection

The fall out of payment protection insurance continues to give the business of protection a bad name. [More]
Gemma Harle Tuesday, 01 May 2012 0 Comments
 

Opportunities in Life

The problem with principals

The buy-to-let boom

We must sell ourselves better to the public

Bread and butter lending stuck

Never mind the royals, FTBs need matchmaking

Rob Lankey's Blog

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Rob Lankey

Trying to second guess the housing market and ultimately the economy is a mug's game. We can't all sit on our hands forever

Anybody who's bought a camera, TV or computer has inevitably asked themselves if they should buy now, or wait a few weeks until the latest model comes out and/or the price drops. [More]
Rob Lankey Thursday, 05 May 2011 0 Comments
 

Gavin Diamond's Blog

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Gavin Diamond

Bridging brokers and packagers

One interesting aspect of the current bridging market is that the arrangement all lenders had become accustomed to has been turned on its head. [More]
Gavin Diamond Thursday, 22 March 2012 0 Comments
 

Clearing the fog from bridging

Bridgers don't face tough times ahead

Brokers missing a bridging trick

More understanding about bridging is needed

Gavin Diamond Blog

Peter Welch's Blog

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Peter Welch

It’s about time Cinderella went to the ball

Essentially reversions are viewed as something of a Cinderella product (before she goes to the ball) and are taken to be not as important as the lifetime mortgage stepsister. [More]
Peter Welch Friday, 20 April 2012 0 Comments
 

The mood change amongst older homeowners

The Bank of Grandma and Granddad

Less haste more speed

House price optimism among ER brokers is worrying

Being a tough SOB

Trading down can be the answer for many retired homeowners

Bob Hunt's Blog

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Bob Hunt

The evolution of the adviser

The regulator is adamant that advisers have to continually improve themselves [More]
Bob Hunt Monday, 02 April 2012 0 Comments
 

The importance of clarity

Mortgage industry needs new blood

What is January good for?

Riding to Euro Armageddon

A closer look at the CML's MICE

Navigating the social media maelstrom

Frank Eve's Blog

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Frank Eve

Advisers need to step up to the plate

The Financial Services Authority is assisting in this change of behaviour by starting a new broker assessment program that will see every mortgage advisory firm assessed by the FSA. [More]
Frank Eve Tuesday, 13 March 2012 0 Comments
 

Will the MMR help or hinder brokers?

Could intermediaries end up only being able to give restricted advice?

Affordability and responsible lending

The regulatory environment

I told you this would happen!

Do you ever get a feeling of Deja Vue

Yuan Phoon's Blog

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Yuan Phoon

Industry figures debate housing market

Industry figures debated various issues in the UK property market in Central London at the Great housing market debate. [More]
Yuan Phoon Wednesday, 25 April 2012 0 Comments
 

Industry figures debate housing market

Industry figures debate housing market

Trading mortgage books mean clients need advice

A day at Coreco

A day at Coreco

Looking at brokers from both sides of the fence

Sean Oldfield's Blog

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Sean Oldfield

Do homeowners really see their homes as an investment?

Would homeowners sit tight as prices were falling and wait until they could recoup their outlay? [More]
Sean Oldfield Wednesday, 25 April 2012 0 Comments
 

How shared equity reduces the risk to lenders and borrowers

Shared equity can reduce the risks of having a mortgage

Shared equity could help stabilise the UK economy

Time to relax planning regulations

Rob Barnard 's Blog

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Rob Barnard

A higher purpose to mortgage broking

what business are you intermediaries in? Are you actually in the business of broking finance or does your profession have a higher purpose? [More]
Rob Barnard Friday, 13 January 2012 0 Comments
 

Lenders must walk the walk

Lenders must walk the walk

Richard Cleminson's Blog

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Richard Cleminson

The HMO renaissance

Landlords who have them are operating in a niche but lucrative market. [More]
Richard Cleminson Friday, 13 April 2012 0 Comments
 

Brian Murphy's Blog

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Brian Murphy

The first NewBuy mortgage

NewBuy needs more lenders to take advantage of the reduced risk to get involved [More]
Brian Murphy Tuesday, 24 April 2012 0 Comments
 

Navigating NewBuy

The future for first-time buyers

Opportunities for growth this year

David Gilman's Blog

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David Gilman

Tick box conveyancing

Should there be a problem with the conveyance there is a risk that the whole deal could fall through. [More]
David Gilman Tuesday, 10 April 2012 1 Comments
 

Frogmarch FTBs to completion by 24th March 2012

David Gilman Blog

Edmund Tirbutt's Blog

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Edmund Tirbutt

Protection providers must rethink consumer approach

It’s about time others started going back to the drawing board and putting themselves in the consumer’s shoes and asking what would really captivate them. [More]
Edmund Tirbutt Monday, 08 August 2011 0 Comments
 

Alison Beeston's Blog

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Alison Beeston

Subjecting the Fourth Estate to scrutiny

t’s fair to say that ‘the Fourth Estate’, otherwise known as the press, has been the subject of a fair amount of scrutiny recently. [More]
Alison Beeston Wednesday, 15 September 2010 0 Comments
 

Why it's important to define equity release properly

Psychic ability on this scale should be worth its weight in gold

Bob Young's Blog

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Bob Young

Business as usual for buy-to-let

The bridging market, if you believe the noise, has been a strong performer and the buy-to-let arena has certainly seen a great deal of activity in the past 12 months. [More]
Bob Young Friday, 11 May 2012 0 Comments
 

The human side of arrears collectors

The bridging, buy-to-let one-two punch

The art of deleveraging

Brokers are often able to prove their worth even more in a modest market

Julian Wells's Blog

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Julian Wells

Put yourself in your customers’ shoes

One of the advantages that you have, as a mortgage broker, over larger financial institutions, is that you’re close to your customers and are therefore able to see issues from their point of view. [More]
Julian Wells Tuesday, 15 February 2011 0 Comments
 

Kevin Paterson's Blog

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Kevin Paterson

Is this the Wild West?

Let me paint a picture. Payday lending is a £2bn industry in the UK today. These lenders make unsecured loans, typically in amounts less than £500 though some can go as high as £1500. There are virtually no credit or background checks involved, so loans are made to just about anyone who walks in the door. [More]
Kevin Paterson Monday, 30 April 2012 0 Comments
 

A Brave New World

Cutting corners – a false economy

Consumer Protection or Russian Roulette?

The worm is turning

Hugh Wade-Jones's Blog

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Hugh Wade-Jones

The defiance of HNW borrowers to recession

...high net-worth borrowers remain unbowed by the Office of National Statistics figures and I would expect this to remain the case due to a number of supporting factors. [More]
Hugh Wade-Jones Thursday, 26 April 2012 0 Comments
 

HNW individuals to fall foul in the Budget

Britain is playing catch up at home

HNW needs more work in MMR

Inblognito's Blog

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Inblognito

Ambulance chasers building book of clients without cover

All Payment Protection Insurance claims firms should be shut down [More]
Inblognito Wednesday, 02 May 2012 0 Comments
 

Time to stop bleating, time to be positive!

Lenders give and taketh away

Bring on the sex, drugs and rock ‘n’ roll to the mortgage world

James Sherwood-Rogers's Blog

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James Sherwood-Rogers

A Flood of Issues

As from 30 June 2013 the “Statement of Principles” agreement between government and the Association of British Insurers is set to expire leaving a rather undefined future for flood insurance for UK homeowners. [More]
James Sherwood-Rogers Thursday, 24 November 2011 0 Comments
 

Well timed launch of income verification scheme

Risks related to new builds

The Role of Condition Surveys