Robert Sinclair

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The problem with a standalone equity release qualification

The discussion around whether to introduce a standalone equity release qualification shows just how complex the advice landscape has become. The concern is that advisers are not considering equity release products due to the current qualifications being more linked to mortgage advice. There is a real fear of failure to satisfy the regulator and ombudsman. […]

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Robert Sinclair: Stemming the tide of FSCS claims

The industry is waiting for the FCA to announce its budget and fees for the next financial year but advisers are already aware of the yoke being placed around them in the form of the Financial Services Compensation Scheme levy. The pain felt last year in the life and pensions class will be visited again, […]

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Robert Sinclair: Double trouble for the buy-to-let market

The Government has turned decisively against the private landlord in favour of the first-time buyer. While the various purchase assistance schemes that speckled the last government, culminating in two flavours of Help to Buy, provided welcome support to get people on the housing ladder, it has clearly not been enough. Indeed, it seems a long-term […]

Robert Sinclair: FPC will struggle to curb house price growth

We have a resurgent UK mortgage market but it is not yet a normal mortgage market. While most accept the £356bn of gross lending in 2007 was excessive, they are also agreed the £138bn to £144bn seen from 2009 to 2011 was abnormally low. The return to circa £200bn in 2014 and 2015 is an […]