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October 2020 Issue

Protection 24 Jun 2020

Steve Ellis: Compare the concerns

Steve Ellis is head of risk and protection at Premier Choice Group If there is one thing for which we are in this business – that of protecting people’s health and financial wellbeing – it is...
Protection 24 Jun 2020

Mark Graves: The outlook after COVID-19

Mark Graves is chief executive officer of Auxilium Partnership A couple of weeks ago we announced our collaboration with UnderwriteMe, where we’ll offer our member firms access to the Protection Platform. Why...
Buy-to-Let 24 Jun 2020

Bob Young: We must stay the course

Bob Young is chief executive officer of Fleet Mortgages Many have talked about the qualities required by mortgage market stakeholders throughout this period in order to successfully ‘exit’ themselves post-pandemic in...
AMI 24 Jun 2020

Stacy Reeve: Product value in insurance

Stacy Reeve is senior policy adviser at AMI On 3 June the FCA published guidance on the value of insurance products (GI and pure protection). The focus is on products which, due...
Robert Sinclair AMI
AMI 24 Jun 2020

Robert Sinclair: Showing true colours

Robert Sinclair is chief executive officer of AMI The first week of June saw the interim chief executive of the FCA make his boldest move since taking the reins. In announcing that...
General Insurance 24 May 2020

Geoff Hall: Life after COVID-19

Geoff Hall is chairman of Berkeley Alexander With everyone reeling from the impact of COVID-19, the ramifications for brokers’ businesses will be massive. Mortgage sales are likely to take the biggest...
Technology 24 May 2020

John Dobson: Discard manual AML checks

John Dobson is chief executive of SmartSearch The advent of social distancing has highlighted the shortcomings of many outdated business processes. With lockdown restrictions in place, it simply hasn’t been feasible...
Buy-to-Let 24 May 2020

Jane Simpson: Riding out the turbulence

Jane Simpson is managing director of TBMC The buy-to-let (BTL) mortgage market has, unsurprisingly, experienced significant turbulence since the beginning of the coronavirus lockdown, meaning the profile of lenders and products...
AMI 24 May 2020

Robert Sinclair: Business as usual at the FCA

Robert Sinclair is chief executive officer of AMI In its proposed fees budget for 2020/21, the Financial Conduct Authority (FCA) has considered the effect of any fee increases on small firms...
Technology 24 Apr 2020

John Dobson: AML tax should be risk-based

John Dobson is chief executive of SmartSearch Last month’s Budget was delivered in extraordinary circumstances. There’s no way of telling exactly when the coronavirus crisis will pass, or what damage it...
Protection 24 Apr 2020

Kevin Carr: Pandemic protection

Kevin Carr is chief executive of Protection Review and MD of Carr Consulting Like almost every other part of the economy, coronavirus (COVID-19) has had a huge impact on the protection...
Buy-to-Let 24 Apr 2020

Jane Simpson: Listening to landlords

Jane Simpson is managing director of TBMC As everyone in the UK is adjusting to the societal changes being imposed due to COVID-19, landlords will also be considering the financial impact...
Adverse 22 Apr 2020

Paul Adams: Painting a picture

Paul Adams is sales director at Pepper Money At Pepper Money, we have recently completed the second round of our ongoing research into the attitudes and characteristics of potential mortgage customers...
Photo: RickDeacon / Shutterstock.com
Buy-to-Let 15 Apr 2020

Alan Cleary: Keeping up to date

Alan Cleary is group managing director of One Savings Bank In these extraordinary times, landlords, like everyone else, can be forgiven if their minds are elsewhere. However, despite everything that’s going...
UK houses
IMLA 24 Mar 2020

Kate Davies: Fixing our broken housing market

Kate Davies is executive director of the Intermediary Mortgage Lenders Association (IMLA) Whilst Christopher Pincher’s appointment as the tenth housing minister in as many years has drawn some scepticism from market...
Equity Release 15 Mar 2020

Claire Barker: Keeping standards up

Claire Barker is managing director of Equilaw In December of last year, the Financial Conduct Authority (FCA) confirmed that it had begun an ‘exploratory’ (though as yet informal) review of the...
Robert Sinclair AMI
AMI 5 Mar 2020

Robert Sinclair: A little top heavy

Robert Sinclair is chief executive officer of AMI The long-awaited Policy Statement on Mortgage Advice and Selling Standards has now been published by the FCA. Whilst the policy changes came into...
Market 2 Mar 2020

Craig Calder: A pre-Budget review

Craig Calder is director of mortgages at Barclays   At the time of writing, we sit on the cusp of a delayed Budget and something of a cabinet reshuffle. With this in mind,...
Market 25 Feb 2020

Craig Calder: Looking at the opportunities

Craig Calder is director of mortgages at Barclays   In last month’s article I focused on a selection of points from UK Finance’s ‘The Changing Shape of the Mortgage Market’ report. This...
Education 25 Feb 2020

Michael Nicholls: What’s in a name?

Michael Nicholls is relationship manager at LIBF Titles and designations: for many of us they’re important signifiers of what we’ve achieved, the knowledge we’ve built and the level of professionalism...
Market 25 Feb 2020

Ken Hale: Blurring mortgage product boundaries

Ken Hale is head of lending at Harpenden Building Society Brexit, intercontinental trade wars, quantitative easing, house price escalation. Back in 2000, when people were getting anxious about the Millennium Bug,...
income protection
Protection 25 Jan 2020

Kevin Carr: Reflections on IP

Kevin Carr is chief executive of Protection Review and MD of Carr Consulting It’s been a great year for income protection (IP). Thanks to a combination of raised awareness, product innovation...
Buy-to-Let 25 Jan 2020

Ying Tan: Learn from the trends of 2019

Ying Tan is founder and chief executive of Dynamo The UK housing market is a multi-faceted beast containing hundreds of micro marketplaces. Each have their own collection of conditions and challenges which...
Market 15 Jan 2020

Peter Izard: The outlook for London property

Peter Izard is business development manager at Investec Private Bank There’s reason to believe that 2020 could prove a turning point for the prime London property market. Research from Savills suggests that...
AMI 13 Dec 2019

Robert Sinclair: Cultural awareness

Robert Sinclair is chief executive at the Association of Mortgage Intermediaries (AMI) As a responsible trade body, AMI has always wanted an effective and efficient regulator. In the FCA we have...
Protection 18 Nov 2019

Steve Ellis: All in our debt

Steve Ellis is head of risk and protection at Premier Choice Group We are all in the business of debt – mortgage brokers, healthcare intermediaries, IFAs. Hopefully by selling protection, household or...
Protection 18 Nov 2019

Andy Philo: Now’s the time to discuss IP

Andy Philo is director strategic partnerships and employee distribution at Vitality It’s still assumed that term life insurance comes top in the hierarchy of protection needs. While a homeowner’s life insurance pay...
Protection 18 Nov 2019

Kevin Carr: Getting in early

Kevin Carr is chief executive of Protection Review and managing director of Carr Consulting & Communications With mental health underwriting becoming ever more topical it’s great to see insurers announcing new...
Buy-to-Let 18 Nov 2019

Jane Simpson: Buy-to-let innovations

Jane Simpson is managing director at TBMC The buy-to-let mortgage market has come under pressure in recent years due to the multitude of tax and regulatory changes aimed at the sector. However,...
Expats 18 Nov 2019

Anita Arch: Expats on the move

Anita Arch is head of mortgage sales at Saffron Building Society Over the past five years, the UK news has focussed on the number of people coming here to live from...
AMI 18 Nov 2019

Robert Sinclair: SM&CR is now upon us

Robert Sinclair is chief executive of the Association of Mortgage Intermediaries Remember, remember the 9th of December. This is, or was depending on when you read this, the magic date when...
AMI 9 Oct 2019

Robert Sinclair: The bigger ticking bombs

Robert Sinclair is chief executive of the Association of Mortgage Intermediaries The market appears stable, with forecasts suggesting that transactions will reach 1.2 million in 2019, in line with the long-term...
General Insurance 9 Oct 2019

Geoff Hall: Objects of desire

Geoff Hall is chairman of Berkeley Alexander It is important to keep jewellery valuations on GI policies up to date. Diamond prices in particular saw spikes between 2005 and 2010 and...
Technology 9 Oct 2019

Kevin Paterson: Cause versus effect

Kevin Paterson As a British Gas customer and keen technology enthusiast, I have been an enthusiastic adopter of the Hive smart home platform created by Centrica, the parent company of British...
Buy-to-Let 9 Oct 2019

Jeff Knight: Learning from the changes

Jeff Knight is director of marketing of Foundation Home Loans In order to look forward, it’s also prudent to sometimes look back. Understanding how the buy-to-let sector has been reshaped and...