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Caption Competition – 24 September 2014

Can you put the boot in to your nearest and dearest to win a delicious box of Hotel Chocolat milk chocolates? Submit a witty caption for the photo above and you will be automatically entered into our prize draw. Remember, the funnier it is, the more likely you are to win.

What are you waiting for? Email only printable captions to mortgage.strategy@centaur.co.uk

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Sinclair predicts proc fees war

Association of Mortgage Intermediaries chief executive Robert Sinclair expects a spate of lenders to increase their procuration fees before the end of the year in order to meet their lending targets. Speaking last week at the Association of Short Term Lenders’ annual conference in London, Sinclair said he predicts the average procuration fee paid for […]

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CAB urges tighter FCA controls on payday loan advertising

Citizens Advice Bureau has urged the FCA to implement a “health warning” on payday loan adverts and to stop lenders targeting children through advertising. CAB chief executive Gillian Guy called the practice of making payday loan adverts appealing to children “utterly unacceptable” and said lenders should be forced to display a warning about the consequences […]

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Blackwell says affordability tests will be relaxed

FCA mortgage and mutual sector manager Lynda Blackwell believes the tough affordability measures used by some lenders post-MMR will be relaxed as the new rules bed in. The regulator has previously said it had “wondered why” some lenders had included bizarre questions in their affordability assessments post-MMR. In the weeks following the implementation of the […]

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Jobless total falls again to 6.2%

Unemployment fell again to 6.2 per cent in the three months to July with nearly 500,000 more people finding work in the last 12 months. Office for National Statistics’ data, published last week, shows there were 2.02 million unemployed people during the period, down from 2.08 million in the three months to June 2014. The […]

Guide

Guide: 10 required letters — what to send, to whom and when?

This guide from Johnson Fleming will take you through the required communication and also give ideas for additional actions that will ensure your auto-enrolment project is a success. The topics in this guide include: the letters you need to send out; what to send and when; the importance of employee engagement; and what to consider as additional communication.

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