Archive by Category: Article

Aug 18 – The risks of robo

BY IN Article On 17th August 2018

With robo-advice still in its infancy in the mortgage sector, but many firms claiming to have new fintech propositions, it is worth looking at the investment market which is further ahead in its development.  There are undoubtedly lessons to be [...]

3 days ago / Comments Off on Aug 18 – The risks of robo

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Aug 18 – Fuel on the flames

BY IN Article On 17th August 2018

Firms will now be receiving their final FCA invoices for the year 2018/19.  By far the largest component of the costs is the fees levied by the FCA on behalf of the Financial Service Compensation Scheme (FSCS).  Bill payers have [...]

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Aug 18 – Better mortgages?

BY IN Article On 17th August 2018

Introduction After a period of reflection over the FCA’s Mortgages Market Study, the good news is that it was really positive to see that the mortgage market is working well in many respects.  The interim report found high levels of [...]

3 days ago / Comments Off on Aug 18 – Better mortgages?

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Jul 18 – Set them free

BY IN Article On 17th July 2018

Following my article last month on the significant work undertaken by the FCA which is set out in their Mortgages Market Study Interim Report it is important that I return to the same subject.  This is because our sector now [...]

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Jul 18 – No free lunch here

BY IN Article On 17th July 2018

The FCA announced its fourth cohort of firms who have been approved to enjoy the benefits of their sandbox.  The regulatory sandbox allows firms to test innovative products, services or business models in a live market environment, while ensuring that [...]

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Jul 18 – Housing still broken

BY IN Article On 17th July 2018

The number of new housing starts were flat in 2017, according to finalised figures from the Office for National Statistics.  The Bank of England has suggested expectations are that Q1 2018 figures will show a slowdown, in part due to [...]

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Jun 18 – Looking for a pencil sharpener

BY IN Article On 20th June 2018

After a period of quiet reflection and immersing myself in the detail it is time to give a more impassioned view of the FCA’s Mortgages Market Study. The good news is that it was really positive to see that the [...]

2 months ago / Comments Off on Jun 18 – Looking for a pencil sharpener

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Jun 18 – Customer needs

BY IN Article On 20th June 2018

One of the potential remedies proposed as part of the mortgages market study focuses on giving consumers “greater choices of tools” to help them choose a mortgage more effectively.  As a generic objective, it sounds reasonable.  But in reality, this [...]

2 months ago / Comments Off on Jun 18 – Customer needs

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Jun 18 – Time for a hard look

BY IN Article On 20th June 2018

The FCA mortgages market study in its interim report calls for four substantive changes to improve the market for consumers.  In calling for a tool to help find a broker and one to allow consumers to have an enhanced price [...]

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May 18 – The only way is up

BY IN Article On 22nd May 2018

The UK economy remains in relatively good shape with the Office for Budget Responsibility revising up its growth forecasts for the next three years in March’s Spring Statement. Consumer price inflation also fell back to 2.5 % in March, having [...]

3 months ago / Comments Off on May 18 – The only way is up

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