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Editor’s note: The true spirit of the season

Have we really reached the end of another year already? It seems like no time since we were ringing in 2018, anticipating a challenging 12 months ahead but expecting to be much more in the know about the trajectory the country would be taking, both politically and economically by year-end.

Yet, three months before the deadline for leaving the European Union, uncertainty prevails as to whether we will face a ‘no deal’ Brexit or even leave at all.

The lack of clarity does no favours for the housing market as many would-be buyers continue to pause transactions, awaiting answers on what the lay of the land will be in 2019. But while it may have taken more effort to keep heads above water this year, the mortgage market remains resilient as ever thanks to the hard work and innovation of those brokers and providers working in it.

And while working days may have felt longer this year, the industry also took the time to come together and raise an unbelievable sum for the very worthy charity End Youth Homelessness by enduring a night sleeping rough as part of the Mortgage Sleep Out.

On top of this, talented folk in the industry collaborated on the single ‘Take Me Home’, scheduled for release on 12 December, which will raise even more awareness and funds to tackle homelessness. As we went to press, more than £100,000 had been raised, a testament to the fantastic industry we all work in and the true spirit of this season.

Speaking of the talent of the industry, the shortlist for the Mortgage Strategy Awards 2019 has been revealed.

The print edition of Mortgage Strategy will take a break in January and our offices are closed now, until 31 December when we will be back to update you with all industry news, features and commentary.

Now it is time to sit back and reflect on the achievements of the year just gone and take a much-deserved break. However you celebrate, I wish you all a happy and healthy festive season and a great year in 2019.

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