Blogs

How do you predict a year like 2021?

So, as one year ends, another comes into view. It has been a truly...

Income and spending in Covid

On November 15th The Resolution Foundation published a briefing note on the results of...

What a difference a year makes

I’m writing this on ‘Black Friday’ and have just seen some photos of Oxford...

Data protection can’t be ignored

Even prior to the pandemic, most businesses have become dependent upon a robust IT...

The later life market has reacted well to the pandemic

So, Lockdown 2 in England is now underway, while by the time you read...

The changing nature of making Christmas plans

‘The family can come to us next year – it’s our turn’. Or ‘We’ll...

Why service level transparency is more vital than ever

In this industry we talk a lot about transparency when it comes to service...

The advantages of being a self-employed mortgage adviser

Our world has changed dramatically over the past six months. This has led to...

Putting your trust in a specialist

In those pre-Covid-19 days – which seem a very long time ago – and...

First-time buyers: does the government have the right idea?

In recent years, government support for first-time buyers has been a ‘natural’ part of...

Getting clarity of a client’s finances

2020 has undoubtedly thrown into the light the very different nature of what employment...

Interacting with clients during Covid

It’s fair to say that Covid-19, the subsequent national lockdown, and the various measures...

Uncertain journeys

In September 2019, I was on holiday when I received an urgent telephone call....

Price realities not speculation will drive the market

Participants in the UK housing and mortgage market, while fully focused on the here...

COMMENT

Commonhold reform: Devil in the detail

The government's language on leasehold reform remains forthright. Ministers speak of, “bringing the feudal leasehold system to an end,” of returning power to homeowners...

Managing cashflow and risk in today’s turbulent market

Over the past decade buy-to-let landlords have become accustomed to operating in a market where it can often feel like change is the only...

Is there such thing as a ‘typical borrower’ anymore?

What is a typical borrower? A few decades ago, it would have been a salaried employee, single source of income and, most likely, a...

Private credit has reached its next stage of maturity

Every lending market experiences moments that prompt uncomfortable questions. A high profile default, allegations of poor governance or a significant loss inevitably lead to...

Your clients aren’t being stolen… they’re being handed over

Let's be honest about something the industry won't say out loud. Lenders going direct aren't the problem. Brokers are. Every year the same conversation happens....

Latest news

Commonhold reform: Devil in the detail

The government's language on leasehold reform remains forthright. Ministers speak of, “bringing the feudal...

TMG reports record monthly MetLife submissions

TMG recorded its highest monthly submission volume with MetLife, exceeding its previous record by...

Leek raises earned income age limit to 75

Leek Building Society has introduced eight lending criteria changes covering income, contractors, later-life borrowing...

Coventry cuts residential and buy-to-let rates

Coventry for intermediaries has reduced selected residential and buy-to-let mortgage rates for new and...

PROFILES