Blogs

Half full or half empty?

The coronavirus epidemic has put a new emphasis on individuals’ attitude to risk. With regard...

Twitter tales as old as time

‘Porn star Nacho Vidal held in Spain after man dies in toad-venom ritual’ That probably...

What Open Banking could mean for intermediaries

Over the past couple of years ‘Open Banking’ has entered the lexicon of financial...

The value of advice in a nutshell

At the current time, I suspect many broker firms are concerned about their ability...

What will it be worth?

£1 will always be worth £1. If you devalue £1 you still have £1....

How will individual lenders react to this crisis?

How things can change, and how quickly they can change. From a position where many...

Retirement knowledge

Where are you on the Dunning-Kruger competence curve on retirement income planning? I ask...

Where is the economy really going?

Q: How many economists does it take to change a light bulb? A: Seven, plus...

Some are better at closing the protection gap than others

For as long as I can remember, the advisory profession has been grappling with...

We need to look beyond Stamp Duty changes

There’s a Radiohead song called ‘2 + 2 = 5’ which, if I’m not...

Equity release growth stalled in 2019. Why?

Key has published its UK Equity Release Market Monitor for 2019. The headline from...

We need a regulatory level-playing field

Landlords have had their fair share of new rules and regulations to deal with...

Risk probability

I am writing this a few days after I recently listened to the pollster,...

Dealing with the challenges of the future

As we move towards the end of the year, it’s natural to review the...

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...

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