While Abbey seems to be tightening its criteria, it’s good to see Kensington accepting mortgage applications for light adverse clients. There must be substantial pent-up demand for such deals


HEROES OF THE WEEK are Platform and the Association of Mortgage Intermediaries for their campaign to define advice. It’s never been more important for borrowers to know what they are being offered.


VILLAIN OF THE WEEK is the government. It seems to have plenty of wonderful ideas but it’s strange how it did not bother to put any into practice in the golden decade the UK enjoyed. Why leave it until a few weeks before an election?