Dec 15 – Double Competition

BY IN Article On 18th December 2015

Having been involved with financial services regulation since the passing of the Financial Services Act in 1986, whilst not an expert, I consider that I hold a decent grasp of not just the details but also the underlying principles and [...]

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Dec 15 – Coming, ready or not

BY IN Article On 18th December 2015

I am continually being asked if the second charge industry is going to be MCD ready for March 2016. Currently most broker firms are gaining their FCA Consumer Credit authorisation with the final hurdle of a mortgage upgrade to clear. Lenders [...]

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Nov 15 – Tooled up

BY IN Article On 24th November 2015

Mortgage sourcing systems have become a vital piece of the adviser armoury. Advisers know that there are occasional issues with data accuracy although this is strongly managed by both lenders and the sourcing engines. As the systems have developed, the [...]

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Nov 15 – Stormy Waters

BY IN Article On 24th November 2015

One of the biggest issues facing advisors following MMR is managing their potential conflicts of interest. This issue is only going to be emphasised following the arrival next year of the Mortgage Credit Directive and then the dawning of the [...]

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Nov 15 – Senior Persons for Intermediaries

BY IN Article On 24th November 2015

The arrival of the Senior Persons regime for the wider mortgage market is a positive step forward. This delivers a level playing field with our lender partners, a principle that AMI has long argued should be a fundamental in the [...]

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Oct 15 – Early pantomime season

BY IN Article On 27th October 2015

As the summer tans fade, the party conference season has provided the kind of entertainment usually seen in holiday camps around the UK coast or served up at all inclusive venues around the Mediterranean. The renewed vigour of UKIP, the return [...]

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Oct 15 – Pay Fair

BY IN Article On 27th October 2015

As an industry we have positively subscribed to both FOS and FSCS as important safety nets for consumers when things go wrong. Whilst many in the investment space are critical of FOS, the mortgage fraternity are mostly supportive.  Where real pain [...]

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Sept 15 – MCD is coming

BY IN Article On 24th September 2015

Any broker or firm that has not read the AMI or FCA publications on the Mortgage Credit Directive needs to start looking at these now. All firms need to make decisions about whether they will be offering second charge mortgages [...]

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Sept 15 – Rates and Debates

BY IN Article On 24th September 2015

The mortgage market is going from strength to strength at the moment with remortgage volumes picking up well. This is off the back of both extremely attractive rates being offered by lenders and a general fear being expressed in the [...]

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Sept 15 – As the UK economy edges towards an interest rate rise, who matters more: savers or borrowers?

BY IN Article On 23rd September 2015

It is now perceived wisdom that the only way for interest rates is up. This is despite the original Bank of England policy that QE would be unwound before increasing base rates. That assurance has been quietly dropped. The issue [...]

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