Consumer Duty – an update

Key Consumer Duty developments and recent communications issued by both AMI and the FCA, with commentary on implications for mortgage intermediary firms…

AR regime – updated AMI Q&A and deadline reminder

Having heard back from the FCA, we have updated AMI’s Q&A documenton the AR regime. We also wanted to remind firms of the upcoming 30 November 2023 deadline…

FCA application window open for firms approving promotions for unauthorised persons

Firms that approve financial promotions for unauthorised persons have until 6th February 2024 to apply for approver permission from the FCA…

FSCS levy and compensation figures update

The FSCS has released an update on its levy and compensation figures for 2023/24, as well as anticipated levy figures for 2024/25…

AMI unveils The Perception Gap, the fourth annual Protection Viewpoint

This Viewpoint features hot topics facing the industry, including value of advice, building trust, consumer buying habits and generational views & attitudes…

Your October update from AMI Chief Executive Robert Sinclair

AMI Chief Executive Robert Sinclair gives his October update, focusing on AMI’s Protection Viewpoint, new build and Consumer Duty…

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For too long we have been aware of the issues facing existing property owners where their property has “cladding”.  Mortgage brokers continually face the issue of working on behalf of consumers to find mortgages with the most appropriate lender.

Although not directly involved we have been regularly in discussions with our fellow trade bodies, UK Finance and The Building Societies Association who have been working with MHCLG, the Royal Institute of Chartered Surveyors and the Association of British Insurers to try to find a way through the issues.

Despite the new guidance from RICS and the launch of the Building Safety Fund and the Leaseholders Loan scheme, all mortgage brokers are aware that there remain many issues facing these property owners.  The recent guidance provided by RICS gives some clarity, but will still leave many in limbo as the government based financial support does not deal with all the issues found in many buildings.

Resolution here will only come from more political intervention by MHCLG, providing money and compelling builders and freeholders to act.  This can then be augmented by more RICS guidance and lender appetite.  It is other bodies that represent those interests.  I know that brokers will continue to try to find solutions for their customers.

Robert Sinclair
Chief Executive, AMI


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