Comment

Beyond the payslip: the importance of rethinking borrower profiles

In our market, the term ‘non-standard borrower is often used to describe applicants whose...

Non dom changes create £401 million stamp duty black hole

It’s exactly nine years since 52% of the country voted to leave the EU....

FCA’s mortgage rule changes: it’s time to raise the advice bar, not drop it

The FCA’s move to relax some of the rules around mortgage switching and term...

Tom Bill: Unintended consequences

Former Prime Minister William Pitt the Younger introduced a brick tax in 1784 to...

U.S. Market: lower rates are needed to help unlock the market

When Donald Trump was reelected and took office at the start of this year,...

Mortgage advice in jeopardy as FCA reopens the door to execution-only

Execution only and FCA’s consultation has been playing on my mind. Having navigated decades...

A home shouldn’t be out of reach for those who keep the UK running

In a housing market that has grown steadily more selective, it is often those...

Richard Pike: A conference of positivity – Global ABS Day three

It’s time for reflection of the last three days here in Barca. To readers,...

Maximising embedded value and delivering a great service

While advisers understand the importance of looking after existing clients, nurturing your back book...

Open banking and smart data transformed finance – now it’s time to do the same for property

The UK is set for a 'smart data' revolution, a revolution which began with...

Richard Pike: Day two from the Global ABS Conference in Barcelona

We’re just coming to an end of day two at the Global ABS conference....

Service isn’t just a ‘nice-to-have’ – it is the product

Have you ever had a decent meal in a restaurant ruined by slow service...

Richard Pike: our reporter-at-large at Barcelona APS conference

The Global Asset Backed Securities (ABS) conference starts today at the International Convention Centre,...

Planning your exit: why retirement conversations can’t wait

The prospect of retirement can feel very distant for many advisers. With the ongoing...
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Blogs

You can’t just turn on a tap and expect housing supply to flow

Yawn and stretch, the government have appointed a new housing Czar in place of the thoroughly discredited Angie Rayner, former Deputy Prime Minister, who...

Alan Cleary: Taking the helm at Chetwood Bank

When Alan Cleary retired from the mortgage industry in 2021 he thought his days of running banks were behind him. After more than three decades...

The sourcing system effect in specialist lending

In specialist lending, the right fit for a client has never been as simple as picking the top rate from a list. In sectors like...

Why the Renters’ Rights Bill should be a wake-up call for advisers and landlords

The Renters’ Rights Bill is shaping up to be one of the most significant legislative changes to the private rented sector (PRS) in decades. Expected...

Living in a box. Am I living in a cardboard box?

More young people are living with their parents than ever before. The bank of Mum and Dad has evolved into the hotel of Mum and...

Latest news

News

Clydesdale Bank raises fixed mortgage rates across core and specialist ranges

Clydesdale Bank is set to raise a range of fixed mortgage rates from Monday,...
Specialist

Growth in online auctions reshaping UK property market

The UK property auction market is being rapidly transformed by digital platforms, with record...
Servicing

Mount Street appoints new head of HR to lead global people strategy

Mount Street Group has appointed Fatima Badini as head of human resources, with a...
charity

Industry titans weigh in behind charity concert

Two of the mortgage industry’s biggest names have thrown their weight behind Take Me...

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