Bob Hunt

Bob Hunt is chief executive of Paradigm Mortgage Services

When asked about these general threats, not once have I ever thought one of the major threats was to consumers from their advisers.

The start of a new decade

While there have certainly been challenges over the past few years, the intermediary community and market has appeared to grow stronger and stronger.

The importance of advice

A significant number of potential and existing borrowers still walk into their bank branch, or phone them up and don’t visit a mortgage adviser at all.

Helping mortgage prisoners

I can’t be the only one to think that there still exists the potential for a wider solution.

Combatting mortgage fraud

While we might like to have a sector, which was 100% fraud-combative, that is perhaps unlikely but we should aspire to get as near as possible to it.

Introducing a mandatory energy rating level for all dwellings across the country would go a long way.

So, while our political heads might well have been turned by all things Brexit or President Trump’s visit to the UK, the seeds have perhaps begun to be sown which might deliver a further revolution to our housing and mortgage market.

I recently listened to a very good podcast put out by Andrew Montlake of Coreco and featuring three mortgage journalists – one of whom is the Publishing Editor of this very publication.

To suggest advisers are too intent on picking the first product that shows its head in order to secure a quick proc fee is just nonsense.

The relationship between the various parties involved in the mortgage process is pretty complex – even if you might be able to boil it down to a simple lender-borrower relationship, that’s unlikely to be the whole truth, and nothing but the truth.