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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


FSA costs us all half a billion quid – plus the red tape

The Financial Services Authority last week revealed that it is increasing its proposed Annual Funding Requirement for 2011/12 to £500.5m, up from £454.7m in 2010/11, a gross increase of 10.1% Half-a-billion quid. Say it quick and it doesn’t sound that much. The trouble is, it’s half-a-billion quid too much and, in any case, it’s only […]

MSTV: Michael Coogan on why the MMR should not be rushed

In this edition of Mortgage Strategy TV, we speak to Michael Coogan, director general of the Council of Mortgage Lenders, about why he thinks the Mortgage Market Review should not be an urgent priority for the regulator.

Embrace simplicity!

By Fiona Holmes, proposition communications manager When I first took out critical illness cover, I was overwhelmed. It wasn’t just the form filling, it was finding out about the sheer number of illnesses I was covered for. Did it give me peace of mind that I was covered for neuromyelitis optica or systematic lupus erythematosus? […]


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