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The remortgage market is gathering pace and Barclays’ increased LTV to 75% on its Great Escape range should help the sector. In addition, the overall outlook for the buy-to-let sector appears to be rosy


Heroes & Villains


Hero of the week is Precise Mortgages, which has launched a range for home movers. It is great to see it expanding its product range. An affordability stress test to 2% above the reversionary rate applies, which helps to ensure borrowers have strong affordability even if rates rise. All products have a three-year cap at 3% above pay rate.


Villains of the week are the lenders using charging orders to turn unsecured debts into secured debts. A charging order is a court order that places a charge on a debtor’s property, turning unpaid, unsecured judgement debts into secured debts. Secured debt is cheaper for borrowers. Lenders can’t have it both ways.


Regulator was right to ban directors of short-term lender

On behalf of the Association of Short Term Lenders, the trade body which represents short-term lenders, I would like to say we feel the regulator acted appropriately in fining and banning directors of Bridging Loans (Mortgage Strategy November 4). The firm was not a member of the ASTL and as a trade body that promotes […]

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White paper — Nigeria International Insights

Jelf Employee Benefits closely examines healthcare provision and challenges within Nigeria. This will be of particular interest to HR decision makers with employees based in Nigeria, and assesses the environment, risks, facilities and safeguards that are relevant to organisations that are actively deploying expatriate staff in this location.


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