The year ahead: How will the mortgage industry fare in 2019?

As 2018 draws to a close, the focus moves to predictions for next year’s mortgage market. The Brexit-related uncertainties the country is facing are reverberating into the mortgage industry, according to professionals, but, there is also an air of positivity for the year ahead. Ami chief executive Robert Sinclair predicts: “Employment levels will remain high, […]


Scotland houses UK’s highest-growth cities: Housesimple

Data from Housesimple shows that, from the start of 2018 to September, Glasgow and Edinburgh topped the house price growth chart, recording a 9.1 per cent and 9 per cent increase, respectively. This translates to house prices rises in Glasgow from £126,016 to £137,507, and in Edinburgh, £242,807 to £264,745. Across the UK, average house prices have […]

Moneyfacts reports 95% LTVs at record lows

Data collected by Moneyfacts shows that fixed rate mortgage deals at the highest tiers are at record lows, with competition in choice fierce. While the average two-year fixed rate at 95 per cent LTV has fallen, the number of fixed rate products at 90 per cent LTV is at the highest recorded. Moneyfacts reports that […]


PMS Mortgage Club launches new compliance service

PMS Mortgage Club has launched a new compliance service for directly authorised mortgage and protection advisers. This service offers personalised support through a one-to-one business consultancy.   This will involve a review of each firm’s strategy, risks and individual needs to deliver a tailored compliance solution.  PMS Mortgage Club, part of Sesame Bankhall Group, says […]

Blog: Diary of a mortgage adviser’s night sleeping rough

On Friday 30 November, like many other mortgage industry individuals across the country, Gavin Richardson, head of buy-to-let and residential mortgages at Mortgages for Business, slept rough to raise money and awareness in support of End Youth Homelessness. In this blog, he outlines what he learned from the experience. It was a pretty surreal experience venturing […]

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SJP chairman takes non-exec role at Leeds BS

St James’s Place chairman Iain Cornish has taken up a role as a non-executive director at Leeds Building Society. A stock exchange notice shows that Cornish was appointed to the position on Friday. Last month, SJP announced that current chair Sarah Bates would be stepping down with Cornish, who chaired the firm’s risk committee, taking […]

Careers Insight: Time to turn off your phone?

Technology has given us greater opportunities to work remotely, but research shows we are less productive and more at risk of mental health problems when tethered to a mobile. To maintain the work-life balance, we must develop a strategy for switching off. I have written a great deal about the importance of achieving a healthy […]

Careers insight: The lost art of keeping a secret

The phrase ‘it’s just business’ doesn’t cut it if your previous company has a restrictive covenant. Ignoring such a clause to help a rival or to even go into competition against your old employer could leave you with hefty legal costs, so find out where you stand. Restrictive covenants is a term we are all […]

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Former FCA advice director Linda Woodall passes away

FCA chief executive Andrew Bailey has offered his condolences on behalf of the regulator following the death of former advice and life insurance director, Linda Woodall. A point of contact is provided through the FCA website to remember Woodall (pictured), who passed away in September. She joined the FCA in 2001 and held various roles […]

Brokers’ top searches in September revealed

The Criteria Activity Tracker provided by Knowledge Bank has revealed the most searched criteria by brokers in September. The most common searched criteria in the residential sector was for lenders who would accept self-employed applicants with just one year’s accounts. Within buy-to-let the focus shifted to new borrowers, as brokers searched for lenders who will […]


AMI announces board election timetable

The Association of Mortgage Intermediaries has announced details of its board elections which will take place in November. The period for nominations for certain board positions has now been opened. These are part of the process where all board positions are re-elected on at least a three-year rolling cycle. Existing members of the board may […]