Archive by Category: Article

Jan 21 – The Green Deal

BY IN Article On 19th January 2021

The Department for Business, Energy & Industrial Strategy (BEIS) is not one which readily trips off the tongue when considering where the major housing and mortgage market impacts will come from.  However, it is a key driving force in the [...]

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Jan 21 – A new shiny FCA

BY IN Article On 19th January 2021

The Treasury is currently consulting on the future financial services regulatory framework.  This is our “once in a generation” chance to shape who regulates our industry with focus on their objectives and how they are “managed and controlled”.  We have [...]

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Jan 21 – Closing the gap

BY IN Article On 5th January 2021

The Association of Mortgage Intermediaries (AMI) recently partnered with Legal & General and Royal London to undertake a major consumer research project on consumer attitudes and their recollections of interactions in the protection market.  The research asked 5,000 consumers and [...]

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Dec 20 – Don’t bury your heads

BY IN Article On 8th December 2020

It is almost six months since the FCA published its findings from exploratory work on lifetime mortgage lending on 17 June 2020.  In what has been a muddled year, where mentally it feels like it should be March yet we [...]

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Dec 20 – Paying for poor advice

BY IN Article On 8th December 2020

As a trade body head representing the mortgage intermediary community the last few months have been tough.  The isolation of Covid has not suited me well.  I am not looking for sympathy but it has changed our approach to lobbying [...]

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Dec 20 – New routes to market

BY IN Article On 8th December 2020

Before the ink has dried on the £17.9m fine imposed by the Competition and Markets Authority on Compare the Market for breaching competition law by imposing wide ‘most favoured nation’ clauses on providers of home insurance, they have announced a [...]

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Nov 20 – Getting to grips

BY IN Article On 17th November 2020

The FCA has written to all mortgage intermediary firms setting out its supervisory agenda for the next 12 months.  The six page letter sets out the key issues it is concerned about – firms should be able to clearly demonstrate [...]

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Nov 20 – Certification rears its head and shouts out

BY IN Article On 17th November 2020

As part of the same letter to the mortgage intermediary portfolio, the FCA has reminded all directly authorised firms that they have until 31 March 2021 to ensure all staff in certified roles are fit and proper to perform those [...]

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Oct 20 – Starting the wrong race

BY IN Article On 3rd November 2020

The FCA recently issued a call for input to look at where the consumer investment advice market is not working well and to seek views on what changes can be made to improve the protections and outcomes. On the face [...]

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Oct 20 – Anything you can do?

BY IN Article On 20th October 2020

Early in October I spent an hour creating a podcast with the UK Mortgage Prisoners Action Group.  What this brought home to me was the sheer variety of mortgages caught; the different circumstances of the consumers; and the complexity of [...]

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