Articles

Member Area
APR 2015 – How will the withdrawal of certain transitionals impact consumers?

BY AMI

Will the withdrawal of the transitional rules for remortgage borrowers switching lenders make any real difference to consumers or the level of business which this allowance facilitated, given the reluctance of lenders to use the rules? It has been a [...]

4 years ago / No Comments

27

APR

No

Comments

APR 2015 – Should lenders implement MCD early?

BY AMI

With another set of new rules just published (FCA’s implementation of the MCD), should lenders implement early or leave implementation until next March? Under MMR we saw some lenders implement quietly and early and others leave changes until the last [...]

4 years ago / No Comments

27

APR

No

Comments

APR 2015 – The new seconds market

BY AMI

The second charge market has probably never had more support from the world of first mortgages.  Back in the day when seconds were a £6bn industry, customers were being sourced directly from Ocean TV, a mass of press advertising and [...]

4 years ago / No Comments

27

APR

No

Comments

APR 2015 – Not helping ourselves

BY AMI

Recent weeks have seen the FCA issue a series of documents, which continue to challenge how well the lending sector is performing and the intention to direct significant FCA resource at banks and mortgage lenders in particular.  This started with [...]

4 years ago / No Comments

27

APR

No

Comments

APR 2015 – Now is the time for remo

BY AMI

One of the near certainties as the General Election gets nearer is that it will be a close-run thing.  A new coalition looks less likely with confidence and supply agreements being the order of the day.  Should this arise, the [...]

4 years ago / No Comments

27

APR

No

Comments

APR 2015 – Fees at any price

BY AMI

At a time when inflation is running at 0% and wages are increasing at less than 2% it takes a special type of organisation to propose increasing its costs by 8.5%, when many of its customers are struggling to make [...]

4 years ago / No Comments

27

APR

No

Comments

MAR 2015 – Planning for a Plan

BY AMI

As we now enter the real start of the general election campaign, the political parties are beginning to increase their commitments to the construction of a significant number of new homes. We have another few weeks where the coalition can [...]

4 years ago / No Comments

16

MAR

No

Comments

MAR 2015 – Difficult decisions

BY AMI

The Financial Policy Committee meets again on 24th March 2015, 6 days after George Osborne delivers the final budget of this government.  Having undoubtedly calmed the house price inflation that was troubling the committee at its last meeting, they will [...]

4 years ago / No Comments

9

MAR

No

Comments

MAR 2015 – Why is protection a hard sell?

BY AMI

Post the PPI scandal should more consumers take out mortgage protection and what are the benefits of doing so? Protection has long been a product that has to be sold, evidenced by the fact that few consumers make appointments to [...]

4 years ago / No Comments

2

MAR

No

Comments

FEB 2015 – Boys and their Toys

BY AMI

The responses to the financial crisis and the conclusion that the regulatory structures had failed, meant that politicians had to be seen to do something. Part of the solution was to introduce the Financial Policy Committee that has been given [...]

4 years ago / No Comments

16

FEB

No

Comments