Mortgage Strategy

Mortgage Strategy

Most landlords now expect 2017 mortgage issues: Mortgages for Business

Most landlords expect to be hit by upcoming tax relief changes and stricter mortgage affordability checks, according to research by Mortgages for Business. The firm’s latest Property Investor Survey says 60 per cent of landlords predict they will be affected by the tax relief changes. However, 29 per cent of landlords felt they would be […]

1

Could ‘let to live’ help resolve the housing crisis?

When it comes to solving Britain’s housing crisis, we often hear of the need to build thousands of new homes to satisfy the growing demand for home-ownership. While we certainly do need to build in order to boost the supply of housing, it is also important that we look to the country’s existing housing stock […]

Michael-Aldridge-2014-700.jpg

Mike Aldridge: First-time buyers are the protection priority

It is regularly cited that around 50 per cent of all protection sales are linked in one way or another to a property transaction. With this in mind, you would be forgiven for expecting the recently announced stamp duty increases for buy-to-let properties, coupled with the cuts to landlords tax relief being phased in, to […]

HM-Treasury-700.png
2

Head-to-head: Is the Treasury right to extend the senior managers regime to brokers?

Is the Treasury right to extend the senior managers regime to brokers? Paul Broadhead, head of mortgage policy, BSA With everything that has happened in the banking industry in recent years, it would be odd not to agree with the intentions behind the moves by the FCA and PRA to strengthen accountability. But there is […]

Andrea Rozario: Regulatory review is a good thing for the ER industry

The growth of the equity release sector has been well documented by myself and others. Those within the market feel sure that the lifetime mortgage has a very successful future ahead of itself. And now the FCA is also taking more notice of our industry and the onset of hybrid products with a view to […]

Emma Thomson: Brokers vital to boosting protection awareness

I had a very humbling experience recently that has made me even more determined to help consumers understand the value of protection. I visited one of our clients, a lady who was diagnosed with breast cancer and who subsequently claimed on her critical illness policy. Spending a morning with Marie, hearing the emotional story of […]

Sign-Signing-Letter-Contract-Business-700.jpg

Letters: Ask what your network is doing for you

Many networks live off past glories – ask what yours is doing for you I do not know about the experiences other brokers have had with networks, but I ask the question: do they really care about their members? I think brokers get a rough deal in many cases. In which other industry would a […]

Ward_Tony_Clayton_2015

Tony Ward: ‘The MCD has the doom-mongers out in force’

Virtually every episode of TV’s Dads’ Army featured Private Frazer, the funeral director, intoning “We’re doomed!” as some apparent catastrophe loomed over the Walmington-on-Sea platoon. European mortgage regulation can have a similar effect. Wavers of shrouds emerge well in advance to lament the passing of the old era and the coming of a new much […]

Do networks really care about their members?

I do not know about the experiences other brokers have had with networks, but I ask the question: do they really care about their members? I think brokers get a rough deal in many cases. What other industry would accept another company taking 10 per cent of your gross earnings – commission and client fees […]

Neptune video: Indian valuations and Modi’s pro-investment agenda

Investment Risks This Fund may have a high volatility rating and forecasts/past performance are not a guide to future performance. The value of an investment and any income from it can fall as well as rise as a result of market and currency fluctuations and your clients may not get back the original amount invested. […]

MS 26Jun Spotlight

Media Spotlight: Banking 2020 – A Vision for the Future, edited by Steve Tolley

Compared with the publications usually reviewed in Mortgage Strategy, this one hugely differs in terms of content and style. Banking 2020: A vision for the Future is a book compiled of 12 essays written by various contributing figures from the financial services industry and parliament. The book is essentially the contributors’ views on how the […]