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Cover Story
The human league
Some specialist lenders are using the human touch when deciding cases, adding what they call intelligent underwriting to the process, but here our experts debate how effective this approach really is
News
All talk and no action - Labour peer on Shapps
A Labour peer has hit out at housing minister Grant Shapps, accusing him of using housing policies to grab headlines.
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Version 9 on track as TrigoldCrystal sees profits double
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Government won't turn its back on failing banks
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Victims of alleged fraud lose repossession appeal
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Sesame Bankhall gave lenders 8% more mortgage business last year
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OFT to scrutinise Mortgage Brain's attempt to acquire MortgageStream
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Paragon Group has good Q4 2011 with £38.6m of loans
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Virgin looks to double Northern Rock lending to £9bn a year
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Woolwich reopens 75% door to intermediaries
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Fears of double-dip recession rise after 0.2% contraction in GDP
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EU directive plan to halve arrears period may see repossessions jump
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Year-on-year lending rises 12% despite December fall
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MPC keeps base rate and quantitative easing on hold again
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Y3S subsidiary is forced to go into administration
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N&P offers 10-year fix at 3.99%, citing favourable swaps
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Drawdown benefits are not promoted enough
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Less well-off take 22 years to save first home deposit
Analysis
Uncertainty leaves economy in jeopardy
The outlook for the mortgage market has deteriorated in recent months as the impact of the slower economic recovery and upheavals in Europe are taken fully into account. But this revision in expectations has been pretty modest so far compared to previous shifts in the market.
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Transfer of second charges to FSA is a long time coming
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A walk through the pros and cons of quantitative easing
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Soft skills necessary for successful selling
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We need to talk about lenders deleveraging
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Taking responsibility to prevent a disaster
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Helping clients earn extra the right way
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Amendment vital to welfare reform bill
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Marketwatch
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Clients should insure family before phones
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Broker roadshows on MMR will be handy
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Restricting panels may be good thing
Features
MS Leader: Useless records on housing
The Department for Communities and Local Government made an apt retort to Lord Beecham’s criticism of housing minister Grant Shapps in the House of Lords.
Top of the League
Top Of The League - the competition that seeks to reward the best talent in the broker market - has returned for another season. Launched by Woolwich mortgages from Barclays in 2010, the aim is to offer intermediaries an opportunity to scoop fantastic prizes, such as the Barclays Premier League Player Of The Month trophy. But this season has an exciting twist. Working with Barclays and last season’s judges, who have signed on for another year, the competition will concentrate on networks ...
Dates for your DIARY...
February 9CML data on arrears and repossessions for Q4 2011 publishedThe Council of Mortgage Lenders reveals its latest quarterly figures on arrears and repossessions. It will be interesting to see whether recent negative economic data has had an impact.
Last week's winner
Richard Jenkinson, DPR“Is that a bottle of Chardonnay in your pocket George or do you have a Semillon?”
