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Profile: Charcol’s fire

After a difficult period John Charcol is fighting its way back through the leadership of Mark Fleet. As a former pro footballer, Fleet knows about the ups and downs of a tricky season

Cover feature: Is the softening housing market just temporary?

With data and opinion both conflicted on the health of the mortgage market, is lending really heading downhill or on a longer-term path to growth? The mortgage market has had a turbulent 2017 so far and, at the half-way mark, many think it may have to withstand further storms. New-home transactions are down, appetite for […]

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Cover feature: How big is the mortgage diversity problem?

By failing to reflect the diversity of the market it serves, is the financial services sector letting down its customers and potential recruits? Had you walked into the office of any mortgage firm 30 years ago, the chances are you would have been greeted by a sea of smartly dressed, middle-aged white men. Fast-forward to […]

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Cover feature: Will equity release stay niche or boom?

Sales are increasing but equity release remains a small fragment of the overall mortgage market. Will the growth continue or is it destined to remain a niche product forever? Equity release is the Marmite of the financial services world. Brokers and customers either love it or loathe it. Devotees will point to growing interest in […]

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Cover feature: Will smaller brokers be overwhelmed by regulation?

Do small firms that feel swamped by regulation have good reason? Or should they accept that ‘regulators regulate’ and employ more resources? Scarcely a week passes in which yet another proposal for new regu­lation does not land in mortgage brokers’ inboxes – at least, that’s how it can feel. Ever since the announcement of the […]

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Cover feature: Why are so many borrowers on SVRs despite record low rates?

As millions of borrowers languish on an SVR despite rates being at all-time lows, what more can the industry do to persuade them to remortgage and avoid an unnecessary ‘inertia tax’? The prolonged recovery by the remortgage market must be one of the lengthiest in the history of financial services. Long after the purchase market […]

Cover feature: Are house prices heading for a fall?

Momentum is suddenly against the housing market but experts disagree on whether this is a natural adjustment or will lead to a bigger slump in property values The north-south divide in the housing market is well known but it has undergone a dramatic shift in recent months. No, London has not suddenly become cheaper than […]