Stuart Miller is customer director at Newcastle Building Society
While there has been much tragedy and hardship in the wake of an ongoing health crisis, such disasters do often have the...
Jane Simpson is managing director of TBMC
The stamp duty holiday announced in July for properties up to £500,000 in England provided a welcome boost to the housing market, allowing it...
Shaun Almond is managing director of HL Partnership
At what point do you tell customers that they have little or no chance of getting their purchase completed before the end of...
Andrea Rozario is chief corporate officer of Bower Retirement Services
“Scammers and con artists.” “Barely qualified to O Level standard.” “Mugging old ladies and old men.”
These are just some of...
James Watson is sales director of Paymentshield
Halloween has been and gone and the clocks have turned back, bringing in the shorter days and with it, the colder weather. Given everything that has happened this year,...
Adrian Moloney is group sales director of OneSavings Bank
Getting a foot on the property ladder has never been easy. I don’t know about you, but I still remember those years...
Jane Simpson is managing director at TBMC
A month is a long time in the buy-to-let mortgage market, although COVID-19 has added a certain feeling of Groundhog Day to our lives,...
Bob Young is chief executive officer of Fleet Mortgages
There are many who might wish to deny it, but the housing market remains one of the key drivers of the UK...
Tony Marshall is managing director of Equifinance
To say that this has been a testing period for the second charge sector, as well as the whole lending market, would be an...
Pete Gwilliam is director of Virtus Search
It has been pleasing to see that in a number of instances within the mortgage sector, individuals have returned to full-time roles following periods...
Robert Sinclair is chief executive officer of AMI
In October I spent an hour creating a podcast with the UK Mortgage Prisoners Action Group.
What this brought home to me was...
Jeff Woods is campaigns and propositions director of Sesame Bankhall Group
The Financial Conduct Authority (FCA) recently published its final report following its study into the pricing of general insurance (GI),...
Ben Burgess is senior adviser and protection specialist of LifeSearch
Thinking about our own mortality coupled with how injury or illness could alter our quality of life is not particularly pleasant....
Jane Simpson is managing director of TBMC
Being able to accurately source buy-to-let (BTL) mortgages is one of the challenges of successfully placing cases for landlord clients.
The marketplace for buy-to-let...
Jeff Woods is campaigns and propositions director of Sesame Bankhall Group
The issue of choice in the protection market has never been more important than right now, but why
The impact...
Shaun Almond is managing director of HL Partnership
Logic tells us that if two loaves of bread of the same quality are priced so that loaf A is cheaper than loaf...
Rob Evans is CEO of Paymentshield
Recent developments in the Black Lives Matter movement have galvanized dialogue nationwide around institutionalised prejudice, unconscious bias, and black, Asian and minority ethnic (BAME) under-representation....
Jane Simpson is managing director of TBMC
A month is a long time in the buy-to-let mortgage market, which has always been a dynamic sector that continually changes in line with...
Paul Yates is product strategy director at iPipeline
As the UK slowly makes its way out of lockdown, the attention of many businesses has shifted from dealing with the immediate consequences...
Ben Burgess is senior protection adviser at LifeSearch
We are all becoming more aware of the economic, logistical, and administrative limitations the pandemic has wrought upon our industry. Simply put, it...
Steve Goodall is CEO of ULS Technology
Lockdown has taught us many lessons, but one that is particularly poignant for me has been the speed at which all of us have...
Tom Bessant is partner, commercial property department at Parker Bullen
In April, Zoopla estimated that around 373,000 property transactions, with a total value of £82bn, were on hold.
Since then, the...
Claire Barker is managing director of Equilaw
With social distancing measures looking likely to remain in force for the foreseeable future, it is essential for financial service providers to adapt and...
Alice Watson is head of marketing and communications at Canada Life
We’ve all had a lot more time on our hands, whether we’ve spent it thinking about seeing family or...
Hattie Tales is a BDM at Pure Retirement
We are living and working through unfamiliar times. As an industry, we have needed to react and adjust like never before to ensure...
Stuart Wilson is CEO of Air Group
Given the momentous nature of the COVID-19 pandemic and its ongoing impact on the entire property market, let alone the equity release sector, it...
Jeremy Wood is chief executive of Dudley Building Society
Creating a picture of the building society sector in the next one to two years could only be speculative at best, bearing...
Geoff Hall is chairman of Berkeley Alexander
The pandemic will probably ravage the economy and people’s finances for years to come.
The impact has been all encompassing and indiscriminate.
Beyond the...
Jeff Woods is campaigns and propositions director at Sesame Bankhall Group
As financial advisory firms continue to work through this challenging period, two key actions stand out: retaining and developing new...
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...
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...
Andy Philo is director of strategic partnerships at Vitality
The lockdown has changed life for us all. We’ve all found new ways of working, socialising and parenting.
The coronavirus pandemic –...
Mike Allison is head of protection at Paradigm Mortgage Services
Mental Health Week has come and gone; there was, quite rightly, a heightened level of awareness this year as it coincided...
Kevin Carr is chief executive of Protection Review and MD of Carr Consulting
It’s just insurance. Home insurance, car insurance, life insurance…
It’s all the same. No one likes it, no...
Jane Simpson is managing director of TBMC
Over the last couple of months there have been many conversations around the onus on students to pay rent for university accommodation during the...
Jeff Knight is director of marketing at Foundation Home Loans
In scanning the buy-to-let (BTL) news section on the Mortgage Introducer website, it’s uplifting to see such a slew of...
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...
Ying Tan is founder and chief executive of Dynamo
With many lenders returning to the market on the back of the resumption of physical valuations, the buy-to-let (BTL) marketplace has sprung...
Peter Izard is business development manager at Investec Private Bank
As businesses and society adapt to the new normal brought about by COVID-19, we’re seeing enormous levels of innovation and adaptation,...
Stuart Miller is customer director at Newcastle Building Society
Our lives have changed and are being reshaped in ways we couldn’t have imagined – the consequences of which will be with...
Joe Arnold is managing director of Arnold & Baldwin Chartered Surveyors
I’m slightly baffled by the raft of negative headlines we have seen about the housing market in recent weeks as...
John Somerville is head of regulatory relationships, corporate and professional learning at The London Institute of Banking & Finance
Over the past two years, most people have wanted mortgage advisers to...
Jean Errington is a BDM at Harpenden Building Society
The lockdown is affecting all areas of every business, especially the travel and tourism sectors.
The coronavirus outbreak is also causing a widespread...
Mark Snape is managing director of Broker Conveyancing
For the past four years or so, we’ve all been dealing with what would appear to be ‘the great unknown’ when it comes...
Rob Evans is CEO of Paymentshield
There are sparks of life in the mortgage market again. May saw the government ease restrictions on the property sector, with house moves resuming and...
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 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...
Mike Allison is head of protection at Paradigm Mortgage Services
Every day we receive news briefings from the government providing the latest information on coronavirus.
We are informed with plenty of...
David Lownds is head of marketing and business development at Hanley Economic Building Society
The lending community continues to strike a balance between reactivity and proactivity as we battle our way...
Kate Davies is executive director of the Intermediary Mortgage Lenders Association (IMLA)
The mortgage market has seen a monumental shake-up to normal activity in recent weeks as the impact of the...
Stuart Miller is customer director at Newcastle Building Society
Times are undoubtedly tough at the moment in so many ways. The current crisis has created new uncertainties about the health of...
Kevin Webb is managing director of Legal & General Surveying Services
When we emerge from the current crisis, some of the challenges we faced before will persist. Climate change is...
Alice Watson is head of marketing and communications at Canada Life
Over the last few weeks, coronavirus has significantly impacted our day-to-day lives, and this is no different when it comes...
Claire Barker is managing director of Equilaw
As the rising tide of coronavirus cases continues to impact on social and economic conditions around the world, a climate of uncertainty has taken...
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...
Rob Evans is CEO of Paymentshield
There isn’t an industry in the world that has been unaffected by the coronavirus pandemic. The impact on financial services in particular could be felt...
Jeff Woods is campaigns and propositions director at Sesame Bankhall Group
Although the phrase ‘living in unprecedented times’ has been overused, it is unfortunately true.
Another common phrase is that a...
Steve Ellis is head of risk and protection at Premier Choice Group
We are in strange times, and serious ones. Not only are jobs and finances under threat – even for...
Alisa Wallington is senior product manager at iPipeline
Decision-making has never Really been my strong point, but thanks to COVID-19, my life has become one guilt-ridden decision after the other.
Have I...
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...
David Bennett is commercial director at eKeeper
It would be safe to say that Zoom, Teams, WebEx, etc. are no longer the preserve of the techno-savvy nor the office linguist who...
Andy Philo is director of strategic partnerships at Vitality
The COVID-19 pandemic has put health, wellness and the value of protection under the spotlight like never before. While March saw a...
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...
Jeff Knight is director of marketing at Foundation Home Loans
Here at Foundation Home Loans, we recently teamed up with Mortgage Introducer on a webinar focused on working through the...
Bob Young is chief executive officer of Fleet Mortgages
There is clearly a great appetite for statistics and data analysis within, and around, the UK housing and mortgage market, simply because...
Ying Tan is founder and chief executive of Dynamo
Despite enduring some tough weeks, it was good to see the government acknowledge some of the issues surrounding the private rented sector...
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...
Stuart Wilson is CEO of Air Group
'Expect the unexpected’ is a mantra you tend to hear a lot in business, along with the phrase, ‘fail to prepare, prepare to fail’....
Steve Goodall is CEO of ULS Technology
That time is money is not a new concept. As I write this column in mid-April, however, it seems bleakly that time is now...
Mark Snape is managing director of Broker Conveyancing
By the time you read this, it’s likely that the three-week extension of the lockdown will be over and – judging by...
Craig Middleton is mortgage sales and distribution manager at Harpenden Building Society
If we think back to just a few months ago, things were looking up. The ‘will we, won’t we’...
Mark Snape is managing director of Broker Conveyancing
The nature of writing for this magazine is that, at times, what you write today might not necessarily be the case when...
Claire Barker is managing director of Equilaw
Figures published by the Equity Release Council have revealed that £3.92bn worth of housing equity was released by property owners in 2019, with almost...
Stuart Wilson is CEO of Air Group
It has, without doubt, been an extraordinary time recently.
I’m conscious that I’m writing this article a couple of weeks prior to you reading it,...
Alice Watson is head of marketing and communications at Canada Life
Retirement is evolving; not only are people living longer than they may have expected, but they may well be working...
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...
Rameez Zafar is CEO of eligible.ai
Most UK businesses have now asked employees to work from home, in quarantine, avoiding human contact to help contain the spread of coronavirus.
So, what do...
Geoff Hall is chairman of Berkeley Alexander
Last month, two winter storms brought major flooding and the UK insurance industry is set to pay out £363m on claims.
Although the news agenda...
Rob Evans is CEO of Paymentshield
Every area of the UK economy has been hit by the outbreak of the coronavirus, and the mortgage market is no exception.
For advisers, this...
Ben Burgess is senior protection adviser at LifeSearch
Taking out decreasing life and critical illness cover for the full amount and term of the mortgage is a tried and tested means...
Mike Allison is head of protection at Paradigm Mortgage Services
'Life assurance needs to be sold not bought’ – not at the moment it doesn’t.
I am sure that many involved in...
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...
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...
Jeff Knight is director of marketing at Foundation Home Loans
As we continue to operate in unprecedented times, the residential and private rented sectors will come under even more intense...
Peter Izard is business development manager at Investec Private Bank
Expanding a large property portfolio is never easy. Every investor has different goals, and securing the necessary finance to quickly take...
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...
Ying Tan is founder and chief executive of Dynamo
At the moment it’s tough to know what the next day will bring, or where to start when focusing on a particular...
Anita Arch is head of mortgage sales at Saffron Building Society
The fact that many first-time buyers are struggling to get a foothold on the property ladder is nothing new.
Raising...
Bob Young is chief executive officer of Fleet Mortgages
Writing this in advance of the April issue of Mortgage Introducer has understandably been somewhat difficult.
Indeed, by the time you read...
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...
Robert Sinclair is chief executive officer of AMI
It’s hard to believe that, at the time of writing, it’s been less than two weeks since the UK went into lockdown and...
Steve Goodall is CEO of ULS Technology
As I write this column, the UK is sliding into the grip of coronavirus-related lockdown.
Things change hourly, so trying to predict anything accurately or...
Jeff Woods is campaigns and propositions director at Sesame Bankhall Group
As I write this on 25 March, world events are changing by the hour as further announcements are made and...
Stuart Wilson is CEO of Air Group
When you consider the scope and the potential within the later life lending market, you have to get to grips with some sizeable figures....
Alice Watson is head of marketing and communications at Canada Life
Spring. The season of regeneration, revitalisation – and rain.
The Equity Release Council’s 2019 figures revealed that the market’s decade...
Hattie Tales is a BDM at Pure Retirement
The equity release market has been one of the success stories of the financial services sector in recent years.
In 2019 total lending...
Steve Goodall is CEO of ULS Technology
Last year was important for many reasons. However, one of these reasons will have lasting and serious implications for the housing sector - the...
David Lownds is head of marketing and business development at Hanley Economic Building Society
How often do you see the relatively simple question - quality or quantity
This relates to goods...
Charlotte Harrison is product manager at iPipeline
I have just bought my first pram. Sorry, not pram - ‘Travel System’. It turned out that this purchase was not the straightforward process I...
Mike Allison is head of protection at Paradigm Mortgage Services
It is undoubtable that mortgage advisers in our industry want to do the best for their clients.
This isn’t necessarily down to...
Ying Tan is founder and chief executive of Dynamo
Last month I stated that I hoped the government will not target landlords further – in terms of additional regulatory reforms or...
Bob Young is chief executive officer of Fleet Mortgages
In a housing market that is so regionalised, it’s very difficult to make generalist assumptions or predictions, or indeed to talk about...
Jeff Knight is director of marketing at Foundation Home Loans
The Boris Bounce or Brexit Bounce – whichever you prefer, if either - are cited as having a positive effect...
Jane Simpson is managing director of TBMC
There has been a swathe of tax and regulatory changes impacting on the buy-to-let sector in recent years which may have affected the perception...
Paul Adams is sales director at Pepper Money
Buy-to-let is a market upon which a lot is written, and the consumer and trade press is frequently filled with commentary, analysis and...
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...
Robin Johnson is managing director of Kinleigh, Folkard and Hayward Professional Services
The latest figures from the Office for National Statistics revealed that UK average house prices rose 2.2% over...
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 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...
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,...
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...
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...
Mark Snape is managing director of Broker Conveyancing
Over a month into the new year, how has it been for you While there is still plenty of water to flow...
David Gilman is partner in charge at Blacks Connect
Research conducted by the consultancy firm, IRN Research, has discovered that over 60% of consumers who purchased a property in the past...
Claire Barker is managing director of Equilaw
Research published by the equity release lender, More2Life, has established that levels of unsecured borrowing are continuing to rise sharply amongst the over 55s,...
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,...
Steve Goodall is CEO of ULS Technology
Success stories in tech are becoming something of a rarity as we move into a new era of scrutiny.
It’s a truth that has...
David Bennett is commercial director at eKeeper
The year is 2025, a time of advancement and technological marvel, where we go to work or the shops in our rocket ships, safe...
Neal Jannels is managing director of One Mortgage System (OMS)
Is 2020 finally the year that the mortgage market gets its act together and harnesses the power of fintech to improve...
Alain Desmier is co-founder and managing director of Contact State
On a weekly basis, the Advertising Standards Agency (ASA) hands out rulings and fines to marketers and brands that break its...
Bob Young is chief executive officer of Fleet Mortgages
It has certainly been an interesting start to the year, with a degree of positivity around the UK housing market that wasn’t...
Jane Simpson is managing director of TBMC
As the end of the financial year approaches, buy-to-let investors will be mindful that mortgage interest tax relief will be phased out completely in...
Alan Cleary is managing director of Precise Mortgages
The start of a new year – a new decade for that matter – usually brings a round of predictions from industry experts....
Jeff Knight is director of marketing at Foundation Home Loans
In most walks of life, a request to deliver ‘more of the same, please’ would be seen as a positive....
Paul Adams is sales director at Pepper Money
Few areas of the market attracts quite as much commentary as buy-to-let, possibly because of the sheer volume or regulatory and taxation changes...
Robin Johnson is managing director of Kinleigh, Folkard and Hayward Professional Services
London’s property market is often referred to as different from the rest of the UK, something which has...
Stuart Miller is customer director at Newcastle Building Society
The Budget is set for 11 March, and we are all waiting to see just how radical Sajid Javid is going to...
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...
Stuart Wilson is CEO of Air Group
It is incredibly early days in both this new year, and new decade, but I get the sense from many others working in the...
Rob Evans is CEO of Paymentshield
I usually use this column to talk about the market, the opportunities within general insurance (GI) and ideas that could help you to grow your...
Michael Nicholls is relationship manager at LIBF
The mortgage and financial advice industry face a growing problem – we, like the customers we serve, are an aging population.
Various figures...
Steve Goodall is CEO of ULS Technology
You might think that lawyers voting for less law would be akin to turkeys voting for Christmas.
In many cases, you could well be...
Alice Watson is head of marketing and communications at Canada Life
As we look back on the decade, I suspect that most of us are feeling older, but not all the...
Kevin Webb is managing director of Legal & General Surveying Services
In 2019, the number of households in the UK grew by 249,000 from the previous year to 27.8 million, a...
Geoff Hall is chairman of Berkeley Alexander
The start of a New Year always turns thoughts to resolutions and new beginnings.
It may feel counter intuitive to be planning exit strategies...
Paul Thompson is founder and CEO of Cavere Intermediary
Flooding in Fishlake, the most recent in a series of major floods to hit the UK in recent years, has once...
Claire Barker is managing director of Equilaw
Quarterly figures from the Equity Release Council have revealed that the equity release (ER) sector is continuing to grow at a staggering rate, with...
Anita Arch is head of mortgage sales at Saffron Building Society
For many, the opportunity to live and work abroad has great appeal.
However, becoming an ‘expat’ comes with a myriad...
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...
Jane Simpson is managing director of TBMC
It is expected that gross buy-to-let lending in 2019 will be recorded at around £37bn but what are the prospects for this sector in...
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...
Bob Young is chief executive officer of Fleet Mortgages
Elections by their very nature are divisive events and, given our political climate over the past few years, they tend to be...
Jeff Knight is director of marketing at Foundation Home Loans
I recently put together a presentation for one of our distribution partners and an adviser-based audience.
This provided a great...
Robin Johnson is managing director of Kinleigh, Folkard and Hayward Professional Services
It feels as though we have been writing the same column month in, month out for more than...
Alan Cleary is managing director of Precise Mortgages
I'm not typically one for Mystic Meg-style predictions, but this year I think there are a few trends that are likely to persist...
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...
Paul Adams is sales director at Pepper Money
The Office for National Statistics (ONS) has recently published the sixth round of its Wealth and Assets Survey, which includes detailed information on...
Stuart Wilson is CEO of Air Group
Welcome to a New Year and indeed a new decade.
As the ‘roaring twenties’ begin, I can’t help think of the George Michael song, ‘Waiting...
Rob Evans is CEO of Paymentshield
The propensity for borrowers to take 5-year fixed rates and the growing popularity of product transfers will put pressure on brokers future earnings.
As such the...
Mike Allison is head of protection at Paradigm Mortgage Services
As we start another year we might be already wondering if we’ve kept those New Year resolutions we set out on...
Mark Snape is managing director of Broker Conveyancing
Hindsight is a wonderful thing, and it’s been interesting to listen to all the political commentators who ‘knew full well’ that Boris...
Paul Adams is sales director at Pepper Money
Christmas can be the most wonderful, and expensive, time of the year.
So, it is fair to assume that over the coming weeks the...
Ken Hale is head of lending at Harpenden Building Society
As sterling continues to come under pressure, and speculation rises about the ease of travel to other parts of Europe, the...
Peter Izard is business development manager at Investec Private Bank
How are you planning to achieve your targets next year
Planning can be difficult in an uncertain political environment, but one thing...
Stuart Miller is customer director at Newcastle Building Society
As a smaller lender than some, we have both advantages and disadvantages.
We don’t have snazzy online algorithms that underwrite borrower applications...
Craig Calder is director of intermediaries at Barclays Mortgages
As 2019 comes to a close, it’s not unreasonable to say that it has proved to be a challenging yet eventful year...
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...
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...
Jeff Woods is campaigns and propositions director at Sesame Bankhall Group
Over recent months we’ve been undertaking a large-scale insight project to gauge our understanding of the protection market from different...
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...
Charlotte Harrison is product manager at iPipeline
Like most history graduates I knew straightaway that insurance was the only industry I wanted to work in. It was a no brainer to...
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...
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,...
Ying Tan is founder and chief executive at Dynamo
Last month I looked at how the value attached to the advice process should never be underestimated. This was alongside the importance...
Bob Young is chief executive officer at Fleet Mortgages
In our market there can be a tendency to put the cart before the horse, especially when it comes to analysing and...
Alan Cleary is group managing director at Precise Mortgages
I always tend to take stories which contain statistics with a big pinch of salt. I’ve been around long enough to know...
Jeff Knight is director of marketing at Foundation Home Loans
We’re all acutely aware of the uncertainty that exists within political circles and the UK economy.
This means that buy-to-let lenders are...
Chris Maggs is senior commercial manager at Accord Buy To Let
After what feels like many months of negative press on the buy-to-let market, the most recent lending figures from UK...
Michael Nicholls is relationship director at LIBF
The FCA Consultation on mortgage advice and selling standards (CP19/17) has just closed, after May’s report highlighting some key aspects of the current mortgage...
Robin Johnson is managing director of Kinleigh Folkard & Hayward Professional Services
In a property market that presents as many opportunities and challenges as the current one, I am constantly being...
Paul Adams is sales director at Pepper Money
The mortgage market is awash with high level data about the number of CCJs and defaults that are helping to drive the growth...
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...
Stuart Miller is customer director at Newcastle Building Society
I recently read a blog by Capital Economics’ group chief economist, Neil Shearing, arguing that globalisation has ‘peaked’.
He argued that ‘there is...
Craig Calder is director of intermediaries at Barclays Mortgages
In last month’s piece I focused on how important good quality professional advice is, in terms of offering access to the right...
Robert Sinclair is chief executive of the Association of Mortgage Intermediaries
After a process as long as Brexit, the FCA has finally coughed up its new affordability rules to deal with...
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...
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...
Ying Tan is chief executive of Dynamo
We’re all at the coalface of the advice process and used to seeking answers to some difficult questions – whether these are from clients,...
Mike Allison is head of protection at Paradigm Mortgage Services
There has been much discussion recently about access to insurance for people with mental health difficulties and there is still a...
Andy Philo is director strategic partnerships and employee distribution at Vitality
There’s a long-running debate about whether it should be compulsory for people to buy protection when taking out a mortgage....
Steve Ellis is head of risk and protection at Premier Choice Group
The difficulties young people are facing getting on the housing market ladder are well documented.
The disparity between earnings...
Claire Barker is managing director of Equilaw
At the National Later Life Adviser Conference in June, former FCA mortgage policy manager, Lynda Blackwell questioned the residential approach that the regulator had...
Alice Watson is head of marketing and communications at Canada Life Home Finance
Whether it’s relationships, a job offer or selecting the right home finance product, expert and trusted advice helps...
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...
Rob Evans is CEO of Paymentshield
How do you choose the right GI partner to work with Traditionally, the key considerations have been risk footprint, breadth of cover, the number and quality...
Paul Thompson founder and CEO of Cavere Intermediary
I’ll admit I was sceptical when the first subscription insurance product launched last year. If I’m honest I struggled to see how it...
Paul Adams is sales director at Pepper Money
How much do we know and understand about the changing trends and demographics of your potential clients and why is this important to...
Charlotte Harrison is product manager at iPipeline
I was recently shown an advert online for a homemade canoe. The description read: ‘I built this canoe in 2009 using marine ply, tape...
Bob Young is chief executive officer of Fleet Mortgages
The political situation is moving so quickly that it seems slightly pointless to speculate on the policies and measures that have been...
Jane Simpson is managing director at TBMC
At TBMC, we have seen a significant rise in the number of limited company buy-to-let applications being submitted.
Since the beginning of 2019, over 25%...
Kevin Webb is managing director of Legal & General Surveying Services
It is more than two years since the tragedy at Grenfell, and still there is a huge amount of confusion...
Stuart Miller is customer director at Newcastle Building Society
Earlier this month we welcomed John Truswell as our new head of intermediary mortgages.
John has more than 30 years’ experience in...
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...
David Gilman is partner in charge, Blacks Connect
It is customary when judging the relative merits or deficiencies of modern conveyancing practices, or of evaluating standards of service within the industry,...
Mark Snape is managing director of Broker Conveyancing
Over a decade on from the Credit Crunch, it’s clear to see that we are a long way down the road from that...
Steve Goodall is chief executive at ULS Technology
According to UK Finance, last year the advanced security systems and innovations in which the finance industry invests to protect customers stopped more...
Simon Taylor is chief commercial officer at Saffron Building Society
Saffron Building Society celebrates its 170th birthday this year.
At the start of the year, our chief executive Colin Field talked...
Michael Nicholls is relationship director at LIBF
The recent Financial Conduct Authority (FCA) Consultation on mortgage advice and selling standards appeared to roll back on its own 2014 regulations.
One of...
John Phillips is national operations director at Just Mortgages and Spicerhaart
The latest UK Finance Mortgage Trends Report revealed that, after propping up the market for some time, remortgaging fell for...
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...
Robin Johnson is managing director of Kinleigh Folkard & Hayward Professional Services
All businesses know that establishing strong, long relationships with their clients is good for the bottom line.
It doesn’t matter...
Craig Calder is director of intermediaries at Barclays Mortgages
We talk a lot in the industry about how the mortgage market has evolved though tech advances, product innovation and criteria enhancements...
Alan Cleary is managing director of Precise Mortgages
It doesn’t surprise me to read that, for the first time, more than half of lenders are now offering limited company buy-to-let...
Chris Maggs is senior commercial manager at Accord Buy To Let
After what feels like many months of negative press on the buy-to-let market, the most recent lending figures from UK...