Mortgage Strategy
10 May 2010
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Free unemployment insurance for new mortgage customers at HSBC
10 May 2010
HSBC is offering free unemploy-ment cover for new mortgage customers if life insurance is also taken out.
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25% of mortgages restricted to existing customers
10 May 2010
Research from Defaqto shows that while the number of mortgage products available has increased to 2,948 from only 1,686 in July 2009, over a quarter of the mortgages available are restricted to the lender’s existing customers.
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60 Seconds With... Bob Hunt
10 May 2010
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A hasty referral can cost a small fortune
10 May 2010
ADAM TYLER CHIEF EXECUTIVE NACFB
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Alexander Hall is optimistic despite losing £1m in 2009
10 May 2010
Alexander Hall Associates has filed its annual results for the year ending December 31 2009, showing the brokerage made a £1.1m loss, but it expects to break even in 2010.
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All change
10 May 2010
Graham Felstead, head of intermediary channel at the Royal Bank of Scotland, has hit the ground running by rebranding and reshaping the lender’s broker arm
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Allegation about Santander adviser being investigated
10 May 2010
In last week’s issue (Mortgage Strategy May 3), Neil Barnes’ letter ’Santander should scrutinise its own staff and practices’ describes how his client, who was looking for a buy-to-let deal, was advised by a Santander branch adviser to secure a better rate by applying for a retail mortgage and later confess they are not living at the property.
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An online presence is vital for advisers
10 May 2010
JON KING MANAGING DIRECTOR HODGE LIFETIME
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Another haart advertisement falls foul of the watchdog
10 May 2010
The Advertising Standards Auth-ority has upheld a complaint against one of SpicerHaart Group’s haart estate agents for making misleading claims in a regional advertisement.
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Boost for buy-to-let as TMW ups LTV to 80%
10 May 2010
MIKE FITZGERALD LENDER HAS A CAN-DO ATTITUDE
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Bottom marks for dumb FTB exam plan
10 May 2010
A consumer charity poking its nose into the housing sector that it clearly doesn’t understand and calling for inappropriate overseas solutions is the last thing aspiring first-time buyers need right now
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Brits get the repayment bug
10 May 2010
Repaying debt is in fashion, according to figures released by the Bank of England. The statistics show that Britons repaid more than £4bn in secured lending in Q4 2009.
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Brokers held lenders hostage in the good times, says Countrywide boss
10 May 2010
GRENVILLE TURNER BROKERS USED TO BE TOO POWERFUL
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Brokers predict more business in Q2
10 May 2010
Mortgage brokers expect to conduct 6.7% more business in Q2 2010 than they did in Q1 - a further sign of returning confidence in the sector, says Paragon Mortgages.
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CAN YOU HAVE A POP TO WIN THIS BOTTLE OF MIGHTY FINE CHAMPAGNE?
10 May 2010
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Chance to show the benefits of advice
10 May 2010
LEE GLADWELL HEAD OF SALES AND PROPOSITION PLATFORM
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Charity boss thinks my qualifications aren't up to the job
10 May 2010
Malcolm Hurlston, chairman of the Consumer Credit Counselling Service, says mortgages for first-time buyers should be issued like driving licences and they should have to sit exams before buying (Mortgage Strategy Online).
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Clients don't care about the labels we hang on mortgages
10 May 2010
In response to your recent story that those choosing to operate in the sub-prime market will continue to reject traditional terminology (Mortgage Strategy Online), surely the people looking for these sorts of mortgages don’t care what they are called - they are just happy there is a lender able to help them.
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Coaching Platform now called Focus Solutions
10 May 2010
The Coaching Platform, a financial services training consultancy and part of Focus Solutions Group, will trade under the brand name Focus Solutions from now on.
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David Webster to lead trade body for the next year
10 May 2010
DAVID WEBSTER BSA CHAIRMAN FOR A YEAR
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Deficit will push up mortgage costs
10 May 2010
The Association of Mortgage Inter-mediaries has warned that the budget deficit will continue to drive up the cost of mortgage lending.
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Details emerge about Mortgage Times' debt
10 May 2010
The extent of The Mortgage Times Group’s debts were revealed last week in documents filed at Com-panies House.
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Do not trap lenders' staff in the approved persons net, says CML
10 May 2010
LENDER TRADE BODY HITS OUT AT FSA PLAN
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FSA could survive Tory government
12 May 2010
Reports today suggest that George Osborne, the new Tory chancellor has had to scrap plans to hand over banking supervision to the Bank of England under a five-year coalition deal struck with the Liberal Democrats last night.
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FSCS branded a moral hazard that must be corrected
10 May 2010
The Building Societies Association is continuing to push for reform of the Financial Services Compensation Scheme despite the fact that its year-long campaign has made little progress.
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Funding should top the political agenda
10 May 2010
ALAN CLEARY MANAGING DIRECTOR EXACT
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HoC to trade as First Complete
10 May 2010
Appointed representatives of Home of Choice are now trading under the brand name First Complete, as a result of the takeover by LSL Property Services.
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HomeLoan Partnership partners with Conti
10 May 2010
HomeLoan Partnership, the South Coast based mortgage network, has appointed Conti, the overseas mortgage specialist, as its preferred partner for overseas finance.
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House prices will increase 5% this year as SVRs go down, says CEBR
10 May 2010
DOUGLAS MCWILLIAMS MORTGAGE RATE SPREADS TO FALL
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It doesn't pay to keep quiet about purchasing leads
10 May 2010
Some brokers are sheepish about buying leads but if they were more upfront they could get better results
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It's getting easier to sell GI products
10 May 2010
ANDY LEES KEY ACCOUNT MANAGER UINSURE
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I've had enough of everyone saying what is best for us
10 May 2010
In relation to Grenville Turner’s comments, did I miss something? Only last week there was talk of first-time buyers being so badly advised that they should be made to sit an exam.
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Keep adding value for your top clients
10 May 2010
JEFF KNIGHT MANAGING DIRECTOR TONIC MARKETING SOLUTIONS
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LAST WEEK’S WINNER
10 May 2010
ROB PENDRAGON“Virgin on the ridiculous.”
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Law-makers must get real about risk
10 May 2010
Paul Muolo is executive editor of National Mortgage News
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Leader: Parties must get it together
10 May 2010
If the first 24 hours of a hung parliament were anything to go by, with the endless prevaricating and lack of decision-making, we could be in for a bumpy ride.
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Leeds unveils shared ownership products
10 May 2010
Leeds Building Society has launched two shared ownership mortgages available up to 95% of the borrower’s share, with a maximum LTV of 75% overall.
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Lenders are held to ransom by brokers? You must be joking
10 May 2010
I can’t believe Grenville Turner’s comments about the intermediary market holding lenders hostage (Mortgage Strategy Online).
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Lenders must make up their minds on the broker market
10 May 2010
Countrywide boss Grenville Turner’s comments about the intermediary sector are strange considering his position, but I think I understand what he’s trying to say. There should be a market for direct and introduced business but lenders must drop dual pricing.
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Lloyds' RMBS deal does not prove the market is returning
10 May 2010
I have just read that Lloyds Banking Group has launched a securitisation deal backed by mortgages from Cheltenham & Gloucester and Lloyds TSB worth £3.4bn (Mortgage Strategy Online).
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Losing my cool with lenders that elbow me out of the way
10 May 2010
Lenders that approach my clients are starting to get my goat, with Abbey and Nationwide being the worst culprits.
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LSL shells out £1.5m to acquire Home of Choice
10 May 2010
Appointed representatives of Home of Choice breathed a collective sigh of relief on Friday evening after LSL Property Services confirmed it has bought the assets of the network for £1.5m.
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March house purchase approvals move up slightly from February
10 May 2010
The number of house purchase approvals crept up in March to reach 48,901.
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Marketwatch
10 May 2010
In another quiet week the good news was that Platform unveiled some new deals. And hopefully, Lloyds group’s recent securitisation will mean more funding eventually flows into the market
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Mawdsley back in industry with top job at Omnii
10 May 2010
Omnii Solutions has appointed John Mawdsley, former managing director of The Mortgage Partner-ship as chief executive officer.
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Media Spotlight: The Big Short By Michael Lewis
10 May 2010
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My little piece of heaven, courtesy of Manfred Mann
10 May 2010
I am the proud owner of a small country estate in Wales, and all because of my lifelong interest in prog rock
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Net booking system provides flexibility
10 May 2010
DAVID FINLAY INTERMEDIARY BUSINESS DIRECTOR BARCLAYS
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Number of deals available jumps by 1,000 in a year
10 May 2010
DAVID AYLMER BROKER DEALS RISING SLOWLY
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Offsets better than cash ISAs, says First Direct
10 May 2010
First Direct says that in the past 10 years cash ISA savers who also hold a mortgage would have been £3,306 better off by placing their savings in an offset account.
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OpenConvey adds to its mortgage panel
10 May 2010
Online conveyancing portal OpenConvey has strengthened its mortgage panel in the Midlands and the North with three solicitor firms - Manchester-based Pannone LLP, Newcastle upon Tyne-based Hay & Kilner and Mansfield’s Fidler & Pepper.
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Paradigm members can access Towergate deals
10 May 2010
The Paradigm Group has partnered with Towergate Home & Protect to provide members with access to its home and buy-to-let insurance proposition.
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Platform unveils range starting at 3.49% for brokers
10 May 2010
Platform has launched a range of two-year fixed rate deals for brokers, with rates from 3.49%.
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Poll verdict will leave the housing market in limbo
10 May 2010
Both housing and mortgages are likely to be in short supply whatever the make-up of the new parliament
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Protection sales are vital in the recovery
10 May 2010
IAIN MALLON DIRECTOR OF PROTECTION MARKETING AXA
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Self-employed does not always mean lower risk
10 May 2010
STAR LETTER
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Self-employment up 24% since 2008
10 May 2010
Nearly a quarter of self-employed workers have been their own boss for less than two years, according to research on behalf of Kensington.
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Selling clients short with free legal deals
10 May 2010
HARPAL SINGH MANAGING DIRECTOR CONVEYANCING ALLIANCE
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Sesame Bankhall reported to have made profit in Q1
10 May 2010
Friends Provident revealed in its Q1 2010 results last week that Sesame Bankhall traded profitably during the period.
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Society chief floats the idea of a common mortgage
10 May 2010
The idea of a universal mortgage product to be offered by all building societies has been mooted in a bid to boost the profile of the sector.Michael Heenan, chief executive of Stafford Railway Building Society, proposed the idea of a common mutual mortgage product at the BSA conference.
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Take care to avoid partnership pains
10 May 2010
GUY GARRARD HEAD OF BUSINESS DEVELOPMENT TIUTA
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The Mortgage Mole
10 May 2010
DIGGING THE DIRT IN THE MORTGAGE WORLD…
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The recession has weeded out weak business models
10 May 2010
Many firms have failed in the past couple of years but those that survive should be made of stronger stuff
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TMW increases LTV to 80%
10 May 2010
The Mortgage Works is giving the buy-to-let sector a boost by increasing its LTV from 70% to 80% on its core range.
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Two-stage house price rebound as London leads way
10 May 2010
A two-stage recovery is emerging in the housing market as a surge in house prices in London leaves the north of England trailing.
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Use your contacts to help you branch out
10 May 2010
SOPHIE HALL DIRECTOR OF DISTRIBUTION INTELLIFLO
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We should do more to promote surveys
10 May 2010
RICHARD SEXTON DIRECTOR OF BUSINESS RELATIONSHIP E.SURV
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Why brokers must adapt
10 May 2010
A recent article in Mortgage Strategy highlighted that the march of direct deals is continuing unabated and they now make up some 54% of the market compared with 2007 when they only accounted for just 22%.
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xit2 signs up with Movewithus
10 May 2010
xit2, the online property data network, has announced a new deal to supply valuation management services to property service group Movewithus.
