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Mortgages

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AMI: Brokers will take 75% market share within 5 years

24 October 2014 10:42 am | By Devraj Ray

AMI chief executive Robert Sinclair says direct-only channel is in “decline”.

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Mortgage Strategy in-depth

Cover-feature

No more waiting for Northern Ireland

22 October 2014 | By Francis Higney

The province was one of the hardest hit by the crash but the property market is enjoying a revival and first-time buyers are boosting the feelgood factor 

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Spanner in the works

15 October 2014 | By Leah Milner

For the self-employed, getting a mortgage is like standing before the judges on Dragons’ Den and while things are improving, there is still a long way to go  

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The gloves are off

8 October 2014

The great price war is intensifying as lenders cut rates to build business but the looming threat of a cooling market could deliver a knockout punch

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Opinion

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Robert Sinclair: Buy-to-let traps

10 October 2014

The decision by the Treasury to regulate buy-to-let loans where there is an accidental landlord is a clever sleight of hand to capture the smallest niche possible.

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Alan Lakey: Rate increase bombshell is looming

5 September 2014

As advisers we are often expected to be adviser, marriage guidance counsellor and often clairvoyant.

Comments (11)

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Alan Lakey: Illogic is king in the mortgage market

27 August 2014

The old adage that “rules are for the guidance of wise men and the obedience of fools” has never been more appropriate.

Comments (20)

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The grey areas of FCA consumer credit rules

4 August 2014

FCA-regulated firms now have lawyers and compliance specialists crawling all over the consumer credit rules

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Robert Sinclair: Loan-linked insurance cover is never free

30 June 2014

Loan-linked insurance cover is never, as providers may claim, free as someone always bears the liability.

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Alan Lakey: Is the MMR another example of the nanny state?

26 June 2014

We have entered a world where important decisions are being made for us.

Comments (13)

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Alan Lakey: Catch-22 on commercial decisions

13 June 2014

Not all commercial judgements are sensible or even well thought through and the end result can be detrimental to one or more parties

Comments (1)

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Robert Sinclair: Lenders should be ashamed on affordability

27 May 2014

The rules which cover how lenders calculate affordability take a pragmatic approach to assessing borrowers’ spending. It is a shame that some lenders appear not to be following them

Comments (1)

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Buy to Let Watch

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Buy-to-letwatch: Medium-term loans provide a solution

22 October 2014 | By David Whittaker, managing director, Mortgages for Business

Market Watch

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Marketwatch: The doom mongers are determined to spread panic

22 October 2014 | By Andrew Montlake, Director, Coreco Group

With the doom mongers determined to spread panic, all brokers can do is not get dragged in and continue to educate clients 

Bridging Watch

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Bridgingwatch: Investors are circling

15 October 2014 | By Danny Waters, Chief Executive Officer, Enterprise Finance

The re-emergence of specialist markets and lenders shows the market is starting to open up again and the future looks bright  

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