2011 was the year where the number of regulators looking over the mortgage market appeared to explode. The FSA continued its work on the MMR and looked to extend its scope to second charge lending as well as consider where we might be on the rental market. Then as Europe upped the game with their catchily titled "Credit agreements related to residential property" proposals, we appeared to be overtaken by the bureaucrats. For others, it possibly felt more like "groundhog day", or the "year of the pancake". Lending volumes have remained at broadly the same level for three years now and there is little prospect of this improving. You can pick your own theme, but for me it has been one of opportunity and perhaps a corner turned. Whilst this is not the market that any of us want, or indeed the market that most of us think consumers need, it is still our market. Brokers continue to dominate. The largest lenders still employ large numbers of people in the broker space to ensure they maintain their competitive edge. As lenders repair their broken balanced sheets, more return with intermediary only strategies... Read more on my blog Featured articles AMI yearbook | An interview with Platform and Coventry  Robert Sinclair, Director of AMI, posed questions to Associate members Diane Kennedy, Corporate Relationship Manager at Coventry, and Lee Gladwell, Director of Business Development at Platform. Read this article and the full AMI yearbook online. NMG's Mortgage Intermediary Census | Research 
Every month NMG conducts a minimum of 150 online surveys with protection focused advisers / mortgage brokers, using NMG's regularly refreshed panel of 1,500+ advisers. AMI uses the omnibus facility on Mortgage Intermediary Census every month to run their own bespoke questions; the results from which are shared with their members. Read the latest AMI research results. Featured events AMI Annual Dinner 2012 Annual Dinner 2011 rate frozen for 2012 bookings – for a limited time only. Gathering over 200 leading industry figures, senior politicians, regulators and journalists, the AMI Annual Dinner provides the perfect opportunity to make important contacts, meet with your peers and engage in serious discussion about the future of the profession with the industry elite. Following on from the success of the 2011 Annual Dinner, we would like to offer our members the chance to purchase a table at the 2012 event at the 2011 price! Contact Caroline Tory, AMI Marketing Manager, for more information and to reserve your place(s) today.  This information has been prepared for the members and contacts of the Association of Mortgage Intermediaries. The information and options expressed in this document are not necessarily comprehensive and do not purport to give professional advice. If you would like specific information or assistance please call your usual contact at AMI. The information contained in this email is intended only for the individual or entity to whom it is addressed. It may contain privileged and confidential information and if you are not an intended recipient you must not copy, distribute or take any action in reliance on it. If you have received this email in error, please notify us immediately by telephone on 020 7628 1287. www.a-m-i.org.uk is a site operated by the Association of Independent Financial Advisers("We", "us" or "our"). AIFA and the Association of Independent Financial Advisers, a company limited by guaranteed, registered in England and Wales under Companies Acts with number 3779289. Our registered office is 100 Fetter Lane, London, EC4N 1BN. Our main trading address is Austin Friars House, 2-6 Austin Friars, London EC2N 2HD. Also, www.aifa.net and www.theafb.net are site's operated by Association of Independent Financial Advisers (AIFA) and Association of Finance Brokers (AFB) and are trading names of the Association of Independent Financial Advisers. |
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