Regulation

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...

Stability has created a narrower mortgage market

The Intermediary Mortgage Lenders Association (IMLA) has published new research which explores whether policymakers’...

FCA consults on LISA regulation

The Financial Conduct Authority (FCA) has outlined its proposed approach to regulating the promotion...

IMLA: private housebuilding an urgent priority

Intermediary Mortgage Lenders Association (IMLA) members believe 'constant' ministerial reshuffles are negatively impacting government...

Sharp rise in Equifinance’s lending volumes

Specialist second charge mortgage lender, Equifinance, has reported a 65% increase in lending volume...

ABI welcomes delay in PRIIPs regulation

The European Commission has announced it will delay the application date of the Insurance-Based...
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COMMENT

Artificial Intelligence

AI doesn’t remove bias. It gives us the chance to manage it

One of the great promises of artificial intelligence has always been objectivity. Machines, unlike people, do not have bad days. They do not favour...

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...

Latest news

Property

Auction sales rate falls as buyers become more selective

The proportion of property auction lots sold fell to 64.7% in July as buyers...
News

Untangled completes Ampla Finance rebrand with new website

Specialist lender Untangled has launched a new website, completing its transition from Ampla Finance. The...
News

L&G cuts rates for new optional payment lifetime mortgages

L&G has introduced rate reductions of between 0.01% and 1.00% for new customers taking...
News

Mortgage payments are leading source of financial pressure for borrowers

More than half of UK mortgage holders worry about their repayments at least once...

PROFILES