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Future Mortgages to accept AVMs

Future Mortgages will accept Automated Valuation Models through Hometrack for all mortgage and secured loan applications with a loan to value of up to 75 per cent.

Brokers now placing business with Future Mortgages will have access to up to date valuation information, eliminating the delays often associated with obtaining a valuation report.

The new service has been introduced after a comprehensive consultation period with brokers and reflects their requests for a more direct and streamlined approach to valuation services. The acceptance of AVMs is another step in Future Mortgages plans to speed up the application process and enable brokers to offer an improved service to their clients.

Head of secured lending Ian Warrilow says: “The use of AVM’s will help us continue to grow our secured loan business following the successful launch of our new secured loan range. Our criteria allows over one third of our current business to use an AVM. We have deliberately kept the criteria simple, so our brokers know exactly where they stand. Allowing loans of up to £150,000 with a LTV of up to 75% on AVM presents brokers with significant time and cost savings.”


Policy to offer payout pledge

Lifesearch is in discussions with life companies about creating a protection policy that is guaranteed to pay out.Head of protection strategy Kevin Carr says there is a gap in the market and claims many clients would be willing to pay extra for the peace of mind of knowing their policy will not be declined for […]

Edeus research reveals average adverse LTV often lower than prime

Edeus has found that average loan to value ratios in the adverse mortgage sector is lower than the general UK average, contradicting speculation that the UK is set to experience similar problems to the US sub-prime market where LTV levels are often close to 100 per cent.The research – drawn from over 6000 decisions worth […]

Editor’s column

Welcome dear reader to the Editor’s column – Money Marketing’s first foray into the online commenting world.The column was originally going to provide some explanations and pose some questions about the retail market, how it was changing, who was making the money, who was beating up whom on margins and where advisers and their clients […]

A bull case for US equities?

Neptune video: a bull case for US equities?

Watch Felix Wintle, head of US equities at Neptune, discuss why he believes US equities are in a structural bull market and the key factors that can drive the S&P 500 higher.

In the video, Wintle addresses the following:

• The US market and why — despite equities rising from 2009 — he believes the structural bull market only started in 2013
• Key economic and corporate factors that can drive the S&P 500 higher
• Investment themes and sectors offering exposure to the domestic recovery


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