Product round-up
Mortgage Solutions' regular overview of this week's new products, with exclusive commentary supplied by Nick Parkhouse of Savils Private Finance
View ArticleRaising the bar
The mortgage industry needs to step away from the negative connotations of 'sub-prime' and embrace the potential in specialist lending, argues Ian Giles
View ArticleFriends united
Three clients, all friends, have contacted me about their plan to buy a house together as first-time buyers. Two have incomes from employment at £28,000 and £28,500 respectively and the third is in the...
View ArticleBeyond the border
In this week's hot seat, Peter Curran from Bank of Scotland, responds to broker questions on SVRs, lending limits and self-certification
View ArticleAn uncertain regard
My client, who has been self-employed for many years, has recently experienced financial difficulty due to a fall-off in work, and has missed three payments on a £78,000 mortgage and several items of...
View ArticleProduct round-up
Mortgage Solutions' regular overview of this week's new products, with exclusive commentary supplied by Nick Parkhouse of Savills Private Finance
View ArticleSelf-employed forced to use savings
An increasing number of self-employed Britons are turning to their personal savings to put extra fin...
View ArticleProduct round-up
Buy to let EdeusProduct: Two-year tracker, Description: Rate tracks BBR+0.14% for two years, Rate: ...
View ArticleIn brief
Bananas Inc adds TMW to panel The Mortgage Works has become the latest lender to join Bananas Inc's...
View ArticleMilking the market
Phil Rickards surveys the state of the specialist lending market and finds that despite recent events, things have never been so good
View ArticleLife in the fast lane
My client is purchasing a new house valued at £185,000 and has a £50,000 deposit from a previous property sale. She is employed as a sales manager earning £25,000, with an average annual bonus of...
View ArticleFast-track hope for prime clients despite self-cert abuse
Fast-track will become the norm in prime mortgage cases if extra checks are included to stop rogue b...
View ArticleOn the right track?
Mortgage Solutions' expert panel discusses the temptation for brokers to submit fast-track claims for adverse self-certification - Stephen Quigley listens in
View ArticleUCB self-certification debate
Self-cert - the debate Self-cert was debated by industry experts, including brokers, lenders ...
View ArticleHaunted by the past
My client has been a self-employed plasterer for nine months, earning around £4,000 per month, and needs to remortgage and consolidate some business loans. He is married and his wife has worked...
View ArticleThe circle of life
The death of the packager has long been predicted, but present conditions are prompting a revolution in the services they will offer in the future, says Ian Giles
View ArticleMPLC pulls employed self-cert
Mortgages PLC has announced it is to withdraw its self-cert facility for employed applicants, while also increasing initial mortgage rates and revert rates by 0.25%.
View ArticleSelf-cert set for growth, Kensington research shows
Intermediaries expect the self-certification sector to increase in popularity later on this year, fo...
View ArticleDo it yourself
My client is planning to purchase his first home. He has found a flat near the centre of Leeds that he would like to buy, but it is located above commercial premises. The purchase price of the property...
View ArticleMarket Watch
In October, the FSA banned an insurance broker, who had been authorised since 2005, for lying about a past conviction. Should the regulator be more concerned that this adviser slipped through the net,...
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