BY AMI

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 [...]

5 days ago / No Comments

BY AMI

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 [...]

5 days ago / No Comments

BY AMI

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 [...]

1 month ago / No Comments

BY AMI

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 [...]

1 month ago / No Comments

BY AMI

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 [...]

1 month ago / No Comments

BY AMI

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 [...]

2 months ago / No Comments

BY AMI

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 & [...]

2 months ago / No Comments

BY AMI

Introduction I am returning to the subject of the FCA’s Mortgages Market Study once again this month as I consider this to be the most important issue that has faced me since joining the trade body world in 2006. The [...]

2 months ago / No Comments

BY AMI

The Sunday Times recently wrote a scathing attack on the impact of Help to Buy on house prices and the risks of negative equity in certain parts of the country.  The reality is that there has always been a “new [...]

3 months ago / No Comments

BY AMI

As the techniques used to carry out financial crime continue to advance, firms should be regularly reviewing their systems and controls.  This includes reviewing processes to mitigate the evolving risks of money laundering and fraud. The FCA recently wrote to [...]

3 months ago / No Comments