Consumer Duty – an update

Key Consumer Duty developments and recent communications issued by both AMI and the FCA, with commentary on implications for mortgage intermediary firms…

AR regime – updated AMI Q&A and deadline reminder

Having heard back from the FCA, we have updated AMI’s Q&A documenton the AR regime. We also wanted to remind firms of the upcoming 30 November 2023 deadline…

FCA application window open for firms approving promotions for unauthorised persons

Firms that approve financial promotions for unauthorised persons have until 6th February 2024 to apply for approver permission from the FCA…

FSCS levy and compensation figures update

The FSCS has released an update on its levy and compensation figures for 2023/24, as well as anticipated levy figures for 2024/25…

AMI unveils The Perception Gap, the fourth annual Protection Viewpoint

This Viewpoint features hot topics facing the industry, including value of advice, building trust, consumer buying habits and generational views & attitudes…

Your October update from AMI Chief Executive Robert Sinclair

AMI Chief Executive Robert Sinclair gives his October update, focusing on AMI’s Protection Viewpoint, new build and Consumer Duty…

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Leaseholders may face legal restrictions on working from home

A senior lecturer at Manchester Metropolitan University Law School, Michael Poulsom, has warned that many leasehold and some freehold titles contain covenants that forbid the use of residential property ‘for the purposes of trade or business’.

Whilst this is unlikely to affect workers doing a regular office job from a laptop, it could be an issue for the self-employed or those who deal with customers face to face in their homes. If the landlord is notified and decides to take legal action, the consequences for violating the terms of a lease include forfeiture of the property.

So, it’s important for leaseholders and freeholders subject to restrictive covenants to check their leases, title deeds and any other relevant documentation (and obtain legal advice if unsure) to ensure they do not inadvertently commit a breach of covenant.


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