Regulation

Loans firm rapped over envelope

A Belfast-based loans firm has had a complaint about one of its adverts upheld...

In defence of the FCA

At this time of year I’m hoping the seasonal spirit is flowing through you...

Barclays simplifies BTL affordability assessment

Barclays has become the latest lender to respond to the Prudential Regulation Authority's (PRA) new...

FCA unveils mortgage market competition study

The Financial Conduct Authority (FCA) has launched a market study to consider whether competition...

L&G Mortgage Club offers new BTL matrix

Legal & General Mortgage Club has unveiled its new Rental Calculation Matrix. It has...

Widespread public ignorance over second charges

79% of people in the UK don’t know what a second charge mortgage is,...

Coventry for Intermediaries announces new BTL stress rates

Coventry for Intermediaries is increasing its buy-to-let reference rate to 5.5% on loans with...

FCA publishes new data on savings interest rates

The Financial Conduct Authority (FCA) has published the third and final ‘sunlight remedy’ data...

Financial adviser boss banned and fined by FCA

The Financial Conduct Authority (FCA) has published a Decision Notice in respect of Alistair...

FCA focussing on high-cost credit and overdrafts

The Financial Conduct Authority (FCA) is seeking evidence and feedback to further inform its...

Auto-enrolment ad banned

The Advertising Standards Authority (ASA) has ruled against Smart Pension Ltd, of 20 Eastbourne Terrace,...

Autumn Statement 2016: pensions consultation signalled

In today’s Autumn Statement, the chancellor addressed the issue of pensions cold-calling. Philip Hammond told the...

Autumn Statement 2016: the speech in full

Mr Speaker, It is a privilege to report today on an economy which the IMF...

Rigid underwriting not caused by regulation

Tim Wheeldon, chief operating officer (COO) of Fluent for Advisers, has argued that advisers...

COMMENT

The protection gap that runs all the way up the ladder

The property ladder is usually talked about in terms of deposits, equity, and affordability but recent research reveals a less visible truth; moving up...

Why landlords will continue to play a central role in meeting housing demand

This month’s Spring Statement may not have delivered dramatic housing announcements, but the data released alongside it paints a clear picture about the continued...

Debt awareness is as important for advisers as for clients

Debt Awareness Week, beginning on 16th March, provides a timely opportunity for reflection. The early months of the year have long been associated with...

Market may be overreacting to conflict-driven rate fears

Financial markets could be overreacting in the early days of the conflict as they take a second rate cut off the table this year. The...

The UK’s conveyancing conundrum explained

Why is conveyancing so slow in the UK? The average property transaction now takes between 14 and 20 weeks… and that is not taking...

Latest news

The Retirement Studio joins Rosemount network as new appointed representative

The Retirement Studio has launched as a protection and financial planning appointed representative of...

Debt repayment leads equity release use among younger single men

More than a third of single men aged under 65 are using lifetime mortgages...

FCA tells second charge mortgage firms to improve standards for borrowers

The Financial Conduct Authority has warned that some lenders and brokers in the second...

OPDA urges property agents to help shape smart data framework

Property agents are being encouraged to take part in a government-backed project aimed at...

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