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Broker Blogger

The problem with property statistics

Monday 19th April 2010

By Phil Whitehouse, head of The Mortgage Alliance (TMA) I don’t want to dwell too much on the electoral campaign but lets be honest it’s pretty hard to ignore...

Blog: Stamp Duty, the Election and the great mortgage excluded

Monday 19th April 2010

By Michael White, chief executive of online mortgage advisers, Email Mortgages In this business you sometimes wonder if anyone’s listening...

Achieving Stamp Duty worth approval

Thursday 18th March 2010

By Michael White, chief executive of online mortgage advisers, Email Mortgages There is much talk of housing affordability being at a seven-year high (Research by Zoopla), whereby the ‘average’ UK income earner can ostensibly afford to buy 58 per cent of all homes, up significantly in comparison to the property market peak in 2007, when just 34 per cent of homes were ‘affordable’...

The Launch Pattern

Monday 15th March 2010

By Phil Whitehouse, head of The Mortgage Alliance (TMA) I had a touch of déjà vu recently...

Staying ahead of the curve

Friday 19th February 2010

By Phil Whitehouse, Head of The Mortgage Alliance (TMA) I’m consistently astounded by the sheer amount of technological enhancements we see and experience both in the media and in our everyday lives...

FSA - Enders: live and unedited

Wednesday 17th February 2010

By Michael White, chief executive of online mortgage advisers, Email Mortgages With the deadline for submissions to the Mortgage Market Review (MMR) now having passed, it has been interesting to see the public pronouncements from various bodies – CML, BSA, and AMI – about how they view the next step forward...

New challenges, new solutions

Friday 22nd January 2010

By Phil Whitehouse, head of mortgage club, The Mortgage Alliance (TMA) The beginning of a new year is always a time for some degree of reflection on personal and business matters...

Rising SVRs bring spectre of payment shock

Tuesday 12th January 2010

By Michael White, chief executive of online mortgage advisers, Email Mortgages Whisper it quietly but there seems to be a growing feeling amongst the mortgage intermediary community that 2010 could be the year when the remortgage market makes something of a comeback...

No surpises on Stamp Duty

Tuesday 15th December 2009

By Phil Whitehouse, head of The Mortgage Alliance (TMA) I wonder if the Chancellor Alistair Darling ever watched the wonder of TV that was Surprise, Surprise with Cilla Black? I doubt it somehow...

Auld Lang Syne: 2009 best forgotten?

Tuesday 15th December 2009

By Michael White, chief executive of online mortgage adviser, www.emailmortgages.com It’s not long now until we’ll all be singing ‘Auld Lang Syne’ at a raucous, celebratory New Year’s Eve party surrounded by our nearest and dearest; either that or we’ll be at home, asleep in a comfortable armchair with Jools Holland bellowing inanely at his Hootenanny guests and waking up to find that we’ve missed midnight and are now forced to walk around on New Year’s Day with a painful crick in the neck...

Keeping the FSA on the straight and narrow

Tuesday 24th November 2009

By Phil Whitehouse, head of The Mortgage Alliance (TMA) The mortgage market has never really been one for hiding its light under a bushel but the past month or so in particular has seen some industry voices being raised a little louder than normal...

The FSA and the self-cert question

Wednesday 18th November 2009

By Michael White, chief executive, Email Mortgages This month’s blog can really only focus on one organisation, the FSA, given the all-encompassing impact it is currently having on the mortgage sector...

Self-cert: Sledgehammer to crack a nut?

Thursday 22nd October 2009

  By Phil Whitehouse, head of The Mortgage Alliance (TMA) The FSA’s mortgage market review discussion paper has dominated the news recently...

Base Rate: Just waiting it out

Wednesday 21st October 2009

  By Michael White, chief executive of online mortgage adviser, Email Mortgages Ever since the Bank of England’s Monetary Policy Committee cut Base Rate to its historical low of 0...

Brokers fight the good fight on dual pricing

Wednesday 23rd September 2009

By Michael White, MD, Email Mortgages In the mortgage market a week can bring with it such a raft of news and developments that it can often be difficult to get a grip on everything that’s going on...

When it rains it pours

Thursday 17th September 2009

  By Phil Whitehouse, head of The Mortgage Alliance (TMA) The UK, especially within the confines of financial services, has become accustomed to bad news over the past couple of years or so...

Does positive news show a glass half-full?

Thursday 3rd September 2009

By Michael White, managing director of Email Mortgages Without wishing to go overboard, the past 10 days has certainly brought with it a raft of research and reports which appear to show the housing and mortgage markets in a much more positive light...

Houston, we appear to have a problem

Friday 14th August 2009

By Michael White, chief executive, Email Mortgages Michael White is both founder and chief executive of online mortgage advisers, Email Mortgages (www...

Banking on a better future

Friday 14th August 2009

By Phil Whitehouse, managing director of The Mortgage Alliance The Mortgage Alliance has a loyal data base of 7,000 Directly Authorised mortgage intermediaries and as with most firms operating within the mortgage market it is having to overcome a number of obstacles in order to help members write business...



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