Networks may have to come down hard on their appointed representatives and dictate codes of business to them for selling self-cert mortgages, says BM Solutions.Speaking at the Mortgage Business Expo, Martin Reynolds, head of sales at BM Solutions, said it will be business as usual for directly authorised brokers who sell self-cert but there is big change on the way for ARs. Reynolds warns: “Principals will dictate what codes their ARs follow. The AR is not just representing themselves but the whole network. It will be the network’s business model that will be affected if something goes wrong, not the ARs.” But Reynolds stresses that the main responsibility still rests with the broker and it is up to them to keep accurate records of the advice they give. He adds there are still a lot of intermediaries who do not feel comfortable advising sub-prime. When discussing packagers, Reynolds says that there is a need for some of them to change if they want to stay in the market. He adds: “A lot of packagers have evolved but the ones that haven’t are struggling. There is still room in the market for packagers that give good and correct advice.” He also warns that lenders will remove packagers from their panels if they do not meet certain standards.