Sarah Ardley

When the mortgage market is going through uncertain times with even the UK’s number one lender HBOS supposedly at risk from rogue stock market traders…

Reading the warning signs

Securing a mortgage, especially for the first-time buyer, is the fulfilment of an aspiration to live in your own home. It is something that requires…

Standing on a wet and windy railway platform is one of the joys that commuting over the winter months holds for UK passengers. Indeed, given…

A pricing revolution

Capital is a costly and limited resource for all institutions – the more capital a lender has, the more mortgage business it can write. The…

Focus on Wales

The housing market in Wales has changed quite dramatically over the last 10 years, with many factors contributing to its shifting shape. Wales has seen…

The right market choice

Equity release is one of the few financial services products which can deliver life changing benefits to customers. Just take a look at the case…

Sailing choppy waters

Stalling access to credit against a backdrop of rising interest rates has sucked a lot of air out of the mortgage market and business models…

The principle of the matter

The Financial Services Authority (FSA) is making solid progress in delivering the principles-based regime it is seeking for the mortgage and insurance markets and has…

Scottish market overview

There are few dedicated reports that show the key trends and performance of the Scottish housing market apart from the rest of the UK. Quite…

A stark warning

Over the next month we will learn what the Competition Commission’s ‘emerging thinking’ into the payment protection insurance (PPI) sector is. This follows a series…