Features
Bonnie and Clyde 2.0 - the cyber public enemy
In the war against today’s online gangsters you need to ensure you have the best weapons at your disposal to defend yourself. Part of that armoury should...
United we stand – cooperation between lenders,...
Traditionally gaps have existed in the mortgage application process between valuers and conveyancers, both for remortgage and transactional cases. Sharon...
May you live in interesting times
Mike Kowalski, director of mortgages solutions at Unisys, looks at some of the technological advancements in today’s financial services market from cloud...
The steps to mortgage portfolio asset trading...
There are many steps on the road to successful asset trading that investors need to take in order to maximise the value of a mortgage portfolio, explains...
The valuer obstacle course
Richard Sexton, business development director at e.surv chartered surveyors, looks at how the valuations industry is bringing in new blood as the demand...
Complex buy-to-let seeks specialist lender
Karen Bennett, sales and marketing director, commercial mortgages at Shawbrook Bank, outlines the latest trends in specialist buy-to-let lending and reveals...
Mortgages & Housing
Rate difference between LTV bands closes
There has been a sharp reduction in the gap between mortgage rates at different loan-to-value (LTV) ratios over the past 12 months, according to Mortgage...
Half of borrowers don’t know their mortgage...
Only half (52 per cent) of borrowers in England and Wales know the mortgage interest rate they are paying, according to research by Principality Building...
CML publishes a ‘manifesto’ for next...
The Council of Mortgage Lenders has produced a ‘manifesto’ aimed at the political parties in advance of the next General Election.
Magellan to provide mortgages for clients...
Magellan Homeloans, the specialist credit repair lender, is working with Payplan Financial Services (PFS) to make credit repair mortgage facilities available...
Switch from seller's to buyer's market this...
The UK's housing market is set to move in favour of buyers in the second half of this year, according to independent real estate agents haart.
Middle-aged lodgers on the rise
Nearly twice as many homeowners have a lodger now compared to five years ago, a new study shows.
Arrears
StepChange Financial Solutions to advise...
Magellan Homeloans has announced that StepChange Financial Solutions, part of the StepChange debt charity, will advise clients about the lender’s specialist...
Irish RMBS early-stage arrears fall below...
Early-stage mortgage arrears in Ireland have fallen below 2 per cent for the first time in 3.5 years, according to a new report from Fitch Ratings.
Property management chief calls for greater...
There should be greater regulation of third party suppliers to lending institutions and asset management organisations, says John Boardman from national...
Pre-Action Protocol proposals for debt recovery...
Proposed changes to the Pre-Action Protocol (PAP) for debt recovery actions in England and Wales would have a significant impact on lenders operating within...
Postponement of AAM Conference
The Association of Arrears Mediators has reluctantly decided to postpone its conference, which was scheduled to be held at The National Motorcycle Museum...
Debt management firms must raise their game,...
The Financial Conduct Authority (FCA) says debt management firms must demonstrate they provide appropriate advice, do not charge unfair fees, and have...
Legal
MMR seen as ‘good’ but too ‘intrusive’...
Six months after the introduction of the Mortgage Market Review (MMR), UK home buyers hold mixed feelings over it, according to research by conveyancing...
SPML wins sale-and-rent-back test case
Today's Supreme Court judgment in the much anticipated Southern Pacific Mortgage Limited v Scott sale-and-rent-back mortgage litigation will be a huge...
Revolutionary conveyancing portal to launch...
A new online home conveyancing portal, which aims to simplify and speed up the house-buying process, has entered the final stages of development and is...
HSBC to allow licensed conveyancers onto...
The Society of Licensed Conveyancers (SLC) is calling on all mortgage lenders to follow the lead given by HSBC in allowing all firms that are regulated...
Regulator tells conveyancers “more rules...
The Solicitors Regulation Authority (SRA) has pledged to build a more constructive relationship with conveyancing industry.
Yorkshire’s largest conveyancer expands...
Beaumont Legal, one of the fastest growing law practices in the UK and largest residential conveyancer in Yorkshire, has opened a second office in Wakefield.
Technology
Zero bank robberies in Scotland last year
Across the UK there were 89 bank robberies in 2013, which is way down on the all-time high number of 847 in 1992, according to figures from the British...
Mortgage Brain launches device independent...
MortgageBrain Anywhere is a new online mortgage sourcing system from Mortgage Brain, which can be used on PCs, Macs, iPad and Android tablets.
Pepper UK doubles assets this year
In the 12 months since Pepper Group bought mortgage servicing firm Oakwood Global Finance LLP, it has doubled the size of its portfolio from £2.2 billion...
Target Group moves into portfolio ownership
Financial services outsourcing and software provider Target Group has gone live with its first acquisition of a secured loan portfolio.
IT FOCUS: Online mortgage services for customers
By Dave Patel, managing director of DPR Consulting
TECHNOLOGY TALK: ‘Green’ AVMs
By Peter Stimson, managing director – financial risk at Landmark Information Group
Other
Buy-to-let celebrates 18 years
As buy-to-let comes of age, a report has been released detailing the changes in buy-to-let since its 1996 introduction to the market.
L&G men to headline charity OctRock gig
Legal & General’s retiring group board director John Pollock, who is CEO of Legal & General’s Insurance division, has announced that his band...
Mortgages without income verification spiked...
The FCA has said the mortgage market appears to have ‘filled its boots’ on sales of mortgages that did not have any income verification of the borrower,...
AMI boss says proc fees are set to rise
Lenders’ payment of procuration fees to brokers are likely to go up from around 0.35 per cent to 0.45 per cent by the end of the year, says Robert Sinclair,...
Homes for Scotland disappointed at lack of...
Builders in Scotland have warned that the rug is being pulled from beneath them as new figures demonstrate the importance of the Help to Buy scheme, which...
New guidance on loan-to-income caps
The Financial Conduct Authority has published its proposed guidelines on the planned loan-to-income cap for residential mortgages.
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