The Bank of England’s Financial Policy Committee has proposed a leverage ratio of up to 4.95 per cent by 2019, lower than expected.
Mortgage Strategy in-depth
Mortgages chief Martin Richardson talks about his lifelong affiliation with Leeds Building Society and the vision to make it the most successful mutual
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
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
Halifax is encouraging lower-quality lending and penalising the applicants it should be looking to help.
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.
As advisers we are often expected to be adviser, marriage guidance counsellor and often clairvoyant.
The old adage that “rules are for the guidance of wise men and the obedience of fools” has never been more appropriate.
FCA-regulated firms now have lawyers and compliance specialists crawling all over the consumer credit rules
Loan-linked insurance cover is never, as providers may claim, free as someone always bears the liability.
We have entered a world where important decisions are being made for us.
Not all commercial judgements are sensible or even well thought through and the end result can be detrimental to one or more parties
As political parties polish their housing policies in time for the election, it is good to see the subject being taken more seriously