Archive by Category: Article

Apr 21 – Looking after the most important asset

BY IN Article On 16th April 2021

In taking out a mortgage, the average consumer invests in a house to build their home in.  Most consumers take out insurance to cover their buildings and contents, but it is a harder task to establish in the consumers mind [...]

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Apr 21 – A bit too close to the edge?

BY IN Article On 16th April 2021

I have been hearing a new clamour from the world of Equity Release that consumers need to be made aware of all the products they might be eligible for and an impetus towards the need for holistic advice.  There has [...]

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Apr 21 – Still no new clothes

BY IN Article On 16th April 2021

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 [...]

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Mar 21 – Fair Value for Money

BY IN Article On 26th March 2021

Under the Financial Guidance and Claims Act 2018, Parliament transferred the regulation of Claims Management Companies (CMCs) to the FCA and gave it a duty to make rules about CMC fees for claims relating to financial products and services. FCA’s [...]

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Mar 21 – Tech for Tech’s sake

BY IN Article On 17th March 2021

Press headlines get me intrigued, motivated, disappointed but sometimes genuinely challenged.  “Big, dumb mortgage products” was one.  Would this be revolution, evolution or innovation? Dr Louise Beaumont, chair of the open finance and payments working group at TechUK, was cited [...]

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Mar 21 – Doing Enough?

BY IN Article On 16th March 2021

As a white male who has enjoyed the privilege of a university education, bank employment and never being out of work I am always unsure when I venture into thoughts on Equality and Inclusivity.  However, I did grow up within [...]

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Feb 21 – Bailey’s grand defence

BY IN Article On 23rd February 2021

Why did I watch Andrew Bailey appear before the Treasury Select Committee?  Because he was being interviewed about his part in the London Capital & Finance failure and the report by Dame Elisabeth Gloster that apportioned blame on him for [...]

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Feb 21 – A new regulatory worry

BY IN Article On 23rd February 2021

It was early November 2020 that Caroline Wayman, Chief Executive and Chief Ombudsman at the Financial Ombudsman Service, sat in front of the Treasury Select Committee to be challenged by Chair Mel Stride and other MPs on the Service’s work.  [...]

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Feb 21 – Doomed by failure

BY IN Article On 23rd February 2021

The FSCS has set its funding requirement for 2021/22 with the total amount to be invoiced rising to £1.04bn.  This is because the Life Distribution and Investment Intermediation class and the Investment Provision class have breached their threshold maximums. Total [...]

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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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