Archive by Category: Article

Jan 19 – Culture

BY IN Article On 18th January 2019

Culture in financial services has become a priority for both the PRA and FCA as well as government and select committees.  It is recognised that culture is a key root cause of major conduct failings that have occurred within the [...]

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Jan 19 – The tide of debt

BY IN Article On 16th January 2019

The recently published Sector Views from the Financial Conduct Authority sets out the evolving landscape of our mortgage market.  With 13.5million mortgage accounts outstanding and balances reaching almost £1.4trillion, this is a significant part of the UK economy.  Of particular [...]

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Jan 19 – FCA waves its magic wand

BY IN Article On 16th January 2019

For many years AMI has been challenging lenders, the regulator and government to look more carefully at the issues facing what we saw as a significant population of mortgage prisoners.  These were individuals who appeared to be able to meet [...]

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Dec 18 – Digital downsides

BY IN Article On 14th December 2018

In this digital age it can feel like there is not only an individual pressure to keep up to date with tech but to also commercially stay ahead of the game with a fear of losing out to competitors.  But [...]

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Dec 18 – Another year rolls by

BY IN Article On 14th December 2018

As we come to the end of another year, it is appropriate to reflect on another great period for intermediaries.  We have continued to deliver great support and service for UK consumers who are looking for a mortgage to support [...]

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Nov 18 – The future of our regulator

BY IN Article On 16th November 2018

With certain world leaders shifting societies backwards, it can at times feel like we have a bleak future ahead.  I wonder if our regulator is moving the industry in a similarly ominous direction. When the FSA split to be come [...]

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Nov 18 – Escaping Leasehold

BY IN Article On 16th November 2018

Over the last few years many people inadvertently bought houses with a leasehold tenure.  Too many of these had escalation causes which severely impact the current and future value of the property.  It is positive that government has made it [...]

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Nov 18 – Time to look in the mirror

BY IN Article On 16th November 2018

Culture in financial services has become a priority for both the PRA and FCA as well as government and select committees.  It is recognised that culture is a key root cause of major conduct failings that have occurred within the [...]

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Oct 18 – Product risks and advice

BY IN Article On 22nd October 2018

For the last four years UK authorities have been working jointly with industry to pursue an alternative and more robust interest rate benchmark to LIBOR.  Although it could be said to have a number of weaknesses, its manipulation resulting in [...]

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Oct 18 – The pressure for tech?

BY IN Article On 22nd October 2018

The Mortgages Market Study has a significant focus on technology and innovation.  In trying to put that into perspective it appears it starts with desire from government to change our market.  Earlier this year, the Department for Business, Energy & [...]

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