Mortgage Strategy
5 April 2010
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60 seconds with...Marcus Radcliffe
5 April 2010
Managing director, Gateway Surveyors
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A bridging finance story with a quick and happy ending
5 April 2010
As a regular reader I thought I would share a positive story which has thankfully concluded perfectly.
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Automated systems can be fair in the non-prime market
5 April 2010
I was interested to read last week on Mortgage Strategy Online that Kensington was looking to offer sub-prime deals to borrowers with a few County Court judgments.
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Broker channel is back on the air
5 April 2010
JON KING TALKS EQUITY RELEASE
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Business boomer
5 April 2010
Growing businesses is what motivates Tim Johnson and he has no intention of changing his ways at Paymentshield
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Campaigns fail to feed into CI cover
5 April 2010
IAIN MALLON, DIRECTOR OF PROTECTION MARKETING, AXA
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CAN YOU HAVE A POP TO WIN THIS POSH MONTBLANC ROLLERBALL PEN?
5 April 2010
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Dates for your DIARY...
5 April 2010
APRIL 8Monetary Policy Committee base rate decision After holding the base rate at 0.5% for a year, will the MPC decide that now is the time to ring the changes or does the impending election mean it will hang tight for another month?
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Deal with defunct Network Data costs Manchester dear
5 April 2010
Manchester Building Society has lost £2.5m due to the collapse of Network Data Holdings after it sold its broking arm to the network.
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Execution-only service is no excuse for bad advice
5 April 2010
I am sure many advisers would agree with Gavin Hilton last week (Mortgage Strategy, Letters March 29) when he stated that banks’ service is not one of advice, but execution only.
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Family houses next generation of clients
5 April 2010
ANDY LEES, KEY ACCOUNT MANAGER, UINSURE
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Fit notes will open up IP opportunities
5 April 2010
ED STUART-BROWN, HEAD OF PROTECTION SALES, FRIENDS PROVIDENT
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FSA has heard the rent-back message
5 April 2010
JON KING, MANAGING DIRECTOR, HODGE LIFETIME
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FSA sets record as it hands out £33m in penalties
5 April 2010
The Financial Services Authority smashed last year’s record fines by 21% as it handed out £33.1m in penalties in 2009/10, says City law firm Reynolds Porter Chamberlain.
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FSA's tough stance on imposing fines has market divided
5 April 2010
Some brokers believe the regulator has got it wrong with the imbalance of penalties for firms and individuals
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Get to grips with complex cashflow
5 April 2010
SOPHIE HALL, DIRECTOR OF DISTRIBUTION, INTELLIFLO
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Joined-up approach will help fight fraud
5 April 2010
CHRISTOPHER TAYLOR, CHIEF EXECUTIVE OFFICER, LONDON & EUROPEAN
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Jury is out on whether Post Office deal will be open to adverse clients
5 April 2010
PETER MANDELSON, EXPANDING POST OFFICE SERVICES
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LAST WEEK'S WINNER
5 April 2010
JONATHAN CORNELFIRST ACTION FINANCE“After five years without a trophy, former Arsenal fan Andy switches to a team with prospects.”
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Leader: Sub-prime remains on ice
5 April 2010
Brokers cheered the news last week that Kensington is to consider customers who have had County Court Judgments or defaults registered in their name in the past two years.
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Leave bigger picture to take care of itself
5 April 2010
HARPAL SINGH, MANAGING DIRECTOR, CONVEYANCING ALLIANCE
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Lenders plan to offer high LTV deals soon
5 April 2010
BANK OF ENGLAND: CREDIT SUPPLY TO REMAIN THE SAME
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Lloyds Action Now calls for £2bn compensation
5 April 2010
The government’s Budget pledge to sell off its shares in Lloyds Banking Group has led to campaigner Lloyds Action Now launching a £2bn claim for compensation. It has instructed lawyers to investigate a judicial review of the decision.
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Low mortgage rates are temporary blip
5 April 2010
ALAN CLEARY, MANAGING DIRECTOR, EXACT
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Lowry offers product for refurbishment projects
5 April 2010
Lowry Capital has launched an Express Refurb product to help fund properties that need a full internal refurbishment.
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Marketwatch
5 April 2010
While Abbey seems to be tightening its criteria, it’s good to see Kensington accepting mortgage applications for light adverse clients. There must be substantial pent-up demand for such deals
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MD marketing toolkit to boost pension clients
5 April 2010
MD Pensions Solutions has launched a marketing toolkit to help brokers identify clients seeking to improve their pension provisions.
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Media Spotlight: Ask The Chancellors
5 April 2010
Channel 4
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Mortgage approvals are likely to stay depressed until after general election
5 April 2010
Mortgage approvals in February dropped to the lowest level since May 2009, as industry experts warn the market could stay subdued until after the general election.
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Mutuals see approvals and gross lending rise
5 April 2010
Metro Bank has joined the Council of Mortgage Lenders. The bank plans to launch later this year and will offer mortgage products direct from its first two outlets in London, at Holborn and south Kensington. The CML now has 110 members and 76 associates.
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No sub-prime move in the pipeline, says Kensington
5 April 2010
Kensington has rejected suggestions that its decision to consider applicants with County Court Judgements is a move towards reopening the sub-prime market.
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Post Office deal is just Mandelson's vote-winning ploy
5 April 2010
The announcement last week about the Post Office offering 90% LTV deals is clearly a political move by business secretary Peter Mandelson.
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Professionals may escape the regulatory net
5 April 2010
Professional landlords could be exempt from buy-to-let regulation under government plans to review how the sector will be regulated.
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Regional lenders key to affordable housing progress
5 April 2010
Small regional mutuals can play an important role in supporting the government’s HomeBuy initiative
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Regulation could hamper recovery, says Hometrack
5 April 2010
High levels of mortgage debt and tighter regulation could constrain the mortgage market for up to five years, Hometrack has forecast.
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Rhetorical question of mystery losses
5 April 2010
What’s going on across the Pond
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Savvy lenders are still making use of income multiples
5 April 2010
We all know that in recent years, more lenders have moved from crude income multiples to more sophisticated affordability calculators in assessing what clients can borrow.
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Self-employed are left out in the cold for mortgage deals
5 April 2010
I have a client coming off an Abbey fixed rate and I am looking for the best options for them.
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Stalemate as type of property fails to match finance
5 April 2010
We need to find solutions to the mismatch of a glut of new-build flats with a dearth of first-time buyer finance
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Tackle funding gap or risk instability
5 April 2010
JOHN MURRAY, CONSULTING EDITOR, LENDING STRATEGY
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Tailor your advice to suit debt group
5 April 2010
BRIAN FERGUSON, DIRECTOR, INVOCAS FINANCIAL INTERMEDIARY SERVICES
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Take heed of the triggers that lead to client inquiries
5 April 2010
Press coverage of base rate changes or unemployment can lead to surges in consumers seeking financial advice
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The Mortgage Mole
5 April 2010
DIGGING THE DIRT IN THE MORTGAGE WORLD…
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The parts even the NHS cannot reach
5 April 2010
ROGER EDWARDS, PROPOSITION DIRECTOR, BRIGHT GREY
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THIS MONTH’S DECISION: HOLD
5 April 2010
With a mixed economic picture and uncertainty about the general election, it is too soon to raise the base rate, according to Mortgage Strategy’s Monetary Policy Committee
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Tiuta helps to fund children's hospital
5 April 2010
Tiuta has raised £3,050 for Great Ormond Street Hospital children’s charity.
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Tough conditions force HML to axe more than 100 jobs
5 April 2010
More than 100 jobs are to go at HML as part of a staff review in light of market conditions, the company has revealed.
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Wills will lead you to wealth of clients
5 April 2010
JEFF SMITH, COMMERCIAL DIRECTOR ,THE ASSET PROTECTION STRATEGY
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Woolwich rejigs broker sales team
5 April 2010
Woolwich is restructuring its intermediary sales team to provide different points of contact for brokers depending on how they want to deal with the lender.
