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Study ponders benchmark for flexible loans

The study aims to calculate the amount of business being done in the flexible mortgage market. IFAs will also be asked to predict the amount of business they expect to do in the next few years.

Sun Bank is seeking to establish a definition of what a flexible mortgage is and wants to set a benchmark by which the products can be judged. It wants to establish if IFAs think a standard such as a Cat mark would potentially clear up any consumer or industry confusion over flexible mortgages.

Sun Bank also intends to observe the market over the course of the next few years and monitor how it is progressing. It has appointed an independent marketing company to carry out the research and expects the study to be completed by the end of October.

Marketing director Chris Cummings says: “We want to ask IFAs all over the country what they think of the flexible mortgage market. IFAs in Newcastle may have a different view to those in Bristol. Once completed, we will put this research forward to the CML and Government to help with research they are also conducting.”

l Mortgage Brief, p60

Chase Fleming says the recent oil crisis could open the door for a faster recovery in the global technology sector. The economic knock-on of the past month is expected to hit old economy stocks hardest while technology will emerge largely unscathed.

Investment director Chris Tracey says: “We have already seen a gradual recovery in the tech sector since the end of August. Although the Nasdaq is a third off its low, many Asian tech stocks are still flat on their backs. Now may be a good time to look at Asian and Japanese new economy funds.”


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