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May 18 – Speeding up new-build

BY AMI

Over recent years we have seen housing move up the government’s agenda.  It has embarked upon a series of consultations, projects and initiatives to try to drive the housing market to new levels.  One major area of focus is how [...]

7 months ago / No Comments

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MAY

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May 18 – Mixing it all up

BY AMI

We have now got the results of the Mortgages Market Study from the FCA and it makes interesting reading. The FCA wants to make it easier for consumers, at an early stage, to identify which mortgage products they qualify for, [...]

7 months ago / No Comments

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MAY

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May 18 – FSCS

BY AMI

The new funding structure for the Financial Services Compensation Scheme is a huge win for mortgage intermediaries.  Under the current structure brokers contribute to the life and pensions class due to the protection they sell but have been paying for [...]

7 months ago / No Comments

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MAY

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Apr 18 – Real Interest

BY AMI

The development of the later life lending market will be one of the most significant aspects of the housing and mortgage market alongside technological innovation over the next decade.  It was therefore fascinating to see where the FCA decided to [...]

8 months ago / No Comments

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APR

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Apr 18 – Hybrid advice

BY AMI

Several large broker firms have launched or are about to launch their own online offerings for consumers wishing to transact on their computer or by mobile. However, what has been noticeable about these offerings is the decisive move to offer [...]

8 months ago / No Comments

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APR

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Apr 18 – Challenge of culture

BY AMI

In the recent policy and supervisory work from both the PRA and the FCA much has been made of the culture within a firm.  There is a growing recognition that whilst a robust rulebook and well-established principles alongside the Senior [...]

8 months ago / No Comments

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APR

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Mar 18 – Froth not broth

BY AMI

It has long been AMI’s policy position to be supportive of the FCA, but always constructively critical where we consider they either do not fully understand the market or are being impelled by others in the wrong direction.  Two of [...]

9 months ago / No Comments

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MAR

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Mar 18 – Reality check

BY AMI

The Dear CEO letter to second charge lenders made fascinating reading.  Not the minor errors by one lender referred to by some commentators in the lead-up to its publication. The FCA has significant concerns, found poor practices and fears that [...]

9 months ago / No Comments

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MAR

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Mar 18 – A new Spring

BY AMI

As well as the usual changes to tax thresholds and allowances, there are a few other changes that will take place this Spring. 1 April As part of the government’s efforts to raise standards in the rental market it has [...]

9 months ago / No Comments

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MAR

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Feb 18 – Making bubbles

BY AMI

For many decades the profile of mortgage lending remained largely unchanged. This has rapidly shifted in the past decade however, with notable changes including the lengthening of mortgage terms from 25 years to 35 years and a rise in the [...]

10 months ago / No Comments

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FEB

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