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Halifax on top again in latest MS lender study

As the 25th Premier League gets under way, mortgage lenders face their own title race and relegation battle in this quarter’s lender league table. Halifax for Intermediaries Halifax Intermediaries – the Chelsea FC of the mortgage market – wins comfortably on points again. “Halifax has been dominant in the market for a long time, despite […]

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 […]

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Cover feature: Can the buy-to-let market recover?

  Buy-to-let landlords have been on the receiving end of several shake-ups in recent times, so can the market recover or is this the new normal? It was once the sweetheart of the mortgage industry. Yet, after a slew of tax and regulatory changes in the past year – and with more on the horizon […]

Cover feature: What is the future for lender BDMs?

BDMs are the vital link between brokers and lenders but, in an era of call centres and online communication, what place do they have in today’s mortgage industry? Technology has revolutionised everything, from the way we interact with our friends to how we consume music and television. Closer to home, technology has had an impact […]

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Who came top of the latest MS quarterly lender survey?

With Halifax yet again coming top in our quarterly lending survey at a time of record-low interest rates, is the best route to lender success a balance of rate and service? Lenders lowered their interest rates yet again last quarter, leaving bro­kers wondering how much further they could fall. But did those lend­ers with rock-bottom […]