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Home information packs only part solution – MS

Marlborough Stirling says the introduction of home information packs is only a part solution to the problems that dog the home buying process.

Mortgage consultant Nik Halton says: “HIPs should speed up the house buying process and make it easier for consumers. However, it is doubtful as to whether they will go far enough. There are still too many &#39weak points&#39 within the mortgage supply chain that could be automated in order to speed up mortgage applications. Utilising straight through processing technology and workflow solutions to streamline these applications is essential to ensuring consumers see an obvious return on their investment in HIPs.”

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Lender competition results in cross-subsidisation – Miles

The way mortgage lenders compete for new business results in cross-subsidisation from existing borrowers paying standard variable rates to new borrowers taking out discounted variable and short- term fixed rate mortgages according to Miles&#39 findings. He says this practice means that longer-term fixed -rate mortgages appear expensive when compared with discounted mortgages.

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