Mortgage Strategy
19 October 2009
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274 ARs left networks in last three months
19 October 2009
More than 270 appointed representatives have left networks in the past three months, figures from the Financial Services Authority’s register reveal.
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60 Seconds With... Nick Pearson
19 October 2009
Nick PearsonDirector of external affairsPaymex Group
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A guide through the equity release maze
19 October 2009
Jon King managing director Hodge lifetime
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AMI says it will respond strongly to FSA proposals
19 October 2009
The Association of Mortgage Intermediaries says it will embark on a “major motivation” of its members if it feels the need to contest what is suggested in the Mortgage Market Review.
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B2L is still viable in the short term, say lenders
19 October 2009
Buy-to-let will be the main pillar of the specialist lending sector in the short term, according to lenders.
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Broker firms can get a makeover for £995
19 October 2009
Ian Giles Marketing has launched an IGM Broker Makeover package offering companies a marketing audit, a tailored marketing plan and implementation advice for £995.
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Brokers sold three-quarters of all equity release plans in Q3
19 October 2009
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BSA to put its case for local councils’ billions
19 October 2009
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Cable guy
19 October 2009
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Can you have a pop to win this posh Montblanc pen?
19 October 2009
Broker Glen Stevens and Strategy hackette Natalie Holt in good spirits at Mortgage Intelligence’s annual conference gala dinner.
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Cheap legal advice could cost you a lot
19 October 2009
Tim Jordan Head of residential property Forshaws Davies Ridgway
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Clawbacks are a fact of life and brokers should be prepared
19 October 2009
I was interested to read your recent article about the broker who was told to pay £46,000 to leave his network (Mortgage Strategy September 28).
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Commercial brokers are warned on commission
19 October 2009
The National Association of Commercial Finance Brokers has warned brokers not to put commission before the needs of clients. The trade body says it recognises how tough the commercial finance sector has been for members in the past 18 months but cautions brokers to guard against being swayed.
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Direct deals hand market control to high street lenders
19 October 2009
In the past few months I have read many brokers’ letters complaining about lenders that offer cheaper deals direct to clients.
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Do not confuse lending criteria with valuations
19 October 2009
Simon WhiteDirectorLondon’s Chartered Surveyors
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Don't listen to base rate Mystic Megs
19 October 2009
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Easy does it with regulation
19 October 2009
As we head into winter it is ironic that an increasing number of industry experts agree that those elusive green shoots the market has been longing for are putting in an appearance.
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Familiar faces will supply fresh ideas
19 October 2009
Guy Garrard head of business development TIUTA
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Fitch lowers Kensington’s rating
19 October 2009
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FSA should sort itself out before bossing us around
19 October 2009
Are we still in a capitalist society or have communists taken over?
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FSA tells CEOs it will interview candidates for top jobs at firms
19 October 2009
The Financial Services Authority has written to the chief executives of 5,000 regulated firms telling them it will closely vet appointments and will expect to interview candidates applying for roles of significant influence.
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Guidance on explaining unemployment benefits
19 October 2009
Scottish Provident has launched an IFA guide on how to explain the need for unemployment benefits to clients.
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Hard hitting
19 October 2009
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Heroes and Villains 19.10.09
19 October 2009
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HSBC offered the best deals in Q3
19 October 2009
HSBC was the most consistently competitive lender in Q3 2009 with only NatWest and the Royal Bank of Scotland coming close, analysis from Evaluate Technologies shows.
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Industry must find a HIP replacement
19 October 2009
James Sherwood-Rogers managing director Quest
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Kicks
19 October 2009
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Landlords positive for first time since 2007
19 October 2009
Research from Paragon Mortgages shows landlords are predicting that their portfolios will rise in value by an average of 0.8% in the next 12 months. Paragon says this is the first time landlords have made a positive prediction since Q1 2007.
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Last week's winner
19 October 2009
Richard Fitzpatrick IMA Associates
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Link Lending goes under despite capital injection byits directors
19 October 2009
Link Lending has gone into administration despite a capital injection of more than £1m from the bridging lender’s chairman David Johnson.
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Lloyds group to sell Halifax Estate Agency for £1
19 October 2009
Lloyds Banking Group has reached an agreement in principle to sell Hali fax Estate Agency for £1 to LSL Property Services, the parent company of E.surv, Your Move, Reeds Rains and Intercounty.
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Low base rate could make lifetime trackers better value than fixes
19 October 2009
Borrowers looking to take a gamble on Bank of England base rate remaining low for the next five years could be better off opting for life - time tracker deals.
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Make clients aware of cover differences
19 October 2009
Ed Stuart-BrownHead of protection salesFriends Provident
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Mark Jones takes job at LV= protection arm
19 October 2009
Mark Jones last week quit his position as head of protection at Friends Provident. He will take up a new role as head the protection division ofrival insurer LV= in the new year.
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Marketwatch 19.10.09
19 October 2009
With the Mortgage Market Review due I hope we don’t see products regulated. Forcing lenders to set aside capital for risky products such as self-cert would achieve the same objective
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Marking five wasted years of FSA rule
19 October 2009
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Media Spotlight: This Time is Different by Carmen Reinhart and Kenneth Rogoff
19 October 2009
With the dust starting to settle on the financial crisis regulators and governments across the world are looking to tighten up the markets that caused the mess in the first place.
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More recruitment adds to good news
19 October 2009
Robert Winfield managing director Chartwell Funding
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MPC voted unanimously to keep rates on hold
19 October 2009
Minutes from the October meeting of the Monetary Policy Committee showed members voted unanimoulsy to keep the Bank of England base rate on hold at 0.5%.
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Mystery lender signs up Target
19 October 2009
Target Software has signed a contract to deliver a commercial lending system to an unnamed firm looking to launch when market conditions improve.
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Mystery shop finds claims firms are preying on vulnerable consumers
19 October 2009
An independent study conducted on behalf of the British Bankers’ Association has found that consumers could be putting their money at riskby paying claims handlers that mismanage their complaints.
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Network review: A quarterly round-up of appointed representative networks
19 October 2009
Paul dayDirectorWhich Network
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Oakwood picks Phoebus for technology platform
19 October 2009
•Phoebus Software is to supply Oakwood Global Finance with the IT platform for its new servicing system.
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Orbiter boosts team and outsources marketing
19 October 2009
Orbiter has appointed Jeff Sutherland-Kay as a non-executive director and outsourced its marketing and promotions to the Marketing Innovation Forum. These moves follow the appointment of Wayne Smethurst as managing director.
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Pratt's comment showswhyself-cert should face the axe
19 October 2009
In the lead news story in last week’s Mortgage Strategy I was interested in to read a comment from Andy Pratt, chief operating officer at Alexander Hall.
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Predictionson the base rate just add to brokers'stress
19 October 2009
Sue ReadAssociateMoneywatch Finance
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Property alliance slams Stamp Duty as a relic
19 October 2009
A property coalition formed by the Association of Estate Agents and Association of Residential Letting Agents has called for Stamp Duty to beabolished, branding it as a relic that fails to reflect the modern housing market.
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Protect consumers without resorting to level proc fees
19 October 2009
There was an interesting story in the October 12 issue of Mortgage Strategy about level proc fees, in particular with regard to sub-prime mortgages.
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Purchase loans take lion’s share
19 October 2009
House purchases in August accounted for the largest share of total mortgage lending for seven years.
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Questionable predictions of price falls
19 October 2009
Peter StimsonCommercial DirectorCheckmate Mortgages
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RBS may shed branches to statisfy authorities
19 October 2009
The Royal Bank of Scotland may have to offload more than 300 of its branches to satisfy European authorities, according to reports.
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Sesame deal creates a distribution giant
19 October 2009
Sesame has completed the acquisition of Bankhall and PMS, with Sesame chairman Ivan Martin heading the newly created Sesame Bankhall Group.
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Streamlining the housingchain is a task for us all
19 October 2009
Mark RiddickChairmanThe e-homrbuying forum
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Supply shortfall is maintaining prices
19 October 2009
Paul Hunt managing director Phoebus Software
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The regulation of commercial loans would be nonsense
19 October 2009
I agree with recent comments made by Adam Tyler, chief executive of the National Association of Commercial Finance Brokers, on how regulating buy-to-let will not solve anything (Mortgage Strategy Online).
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There's the rub
19 October 2009
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Tipping point
19 October 2009
If, as widely expected, the Mortgage Market Review proposes regulating buy-to-let the FSA must ensure it does not push the sector too far and endanger its survival
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Tiuta ups maximum loan to £10m
19 October 2009
Tiuta has raised the maximum loan size on its first charge residential bridging product to £10m in response to broker demand.
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Unemployment growth eases as inflation falls
19 October 2009
Latest figures from the Office of National Statistics show that despite unemployment rising to 2.47 million, the rate at which it is in - creasing is easing.
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VoxPOP
19 October 2009
What do you think of the proposals rumoured to be in the FSA’s review?
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Wave goodbye to a generation of property buyers
19 October 2009
Gerry O’BrienManaging DirectorHome of Choice
