Product pull should be maintained after market recovery

With the onset of the credit crunch over the past three and a bit years the lenders have pretty much made happen what a large part of Mortgage Market Review is all about.

Self-cert has gone, 125% gone, self-cert sub-prime gone, sub-prime and a small pulse exists.

All the Financial Services Authority really need do is prudently manage the products available when liquidity returns. In other words, no self-cert, no 125% and no delay to the registration of every broker.

Colin Chapman