John Phillips

Opinion: Extension rule change could fuel more remortgage activity

Today it was announced that homeowners in England will be able to build larger extensions without planning permission. In 2013, temporary rules –  which have allowed bigger single-storey rear extensions without a full planning application – doubled the previous limits of extensions that did not require planning permission from the local authority. They have now […]


Housing Watch: Clearing the bottleneck

Stamp duty is the biggest barrier to a dynamic, liquid market. The housing market is in a bit of a state: young people desperately want in on it but most cannot even dream of it, with the sky-high rents they are being charged by the buy-to-let generation only adding to their affordability woes. One big […]

Housing Watch: Turn challenge to opportunity

This year has already proved to be another interesting one for the mortgage market. It seems that there are currently a lot of buyers and sellers in a Mexican standoff, as many are on the side-lines, waiting to see what happens next. In reality, the market is going to do one of two things. It […]

Housing Watch: Stay positive and build on last year

Although it can be argued the housing market is broken and only a radical solution can fix it, as a whole it looks lively It has been an interesting start to the year for the UK housing market, which is showing signs of life post EU referendum. An initial blip following the vote last June […]

My Opinion: More than just one-hit wonders

Building a loyal client base means developing relationships centred on customers’ long-term financial needs For too long, mortgage business has been merely transactional. A potential borrower sees a broker because they need to buy a house: the mortgage is set up, the details filed and that is the end of the relationship. Remortgaging has created […]