Industry Bloggers
By Steve Devine, chair of Protect and business development manager at IGI Insurance Company Thankfully attending my Monday night pilates class prevented me from watching the Liverpool v West Ham match...
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...
By Michael White, chief executive of online mortgage advisers, Email Mortgages In this business you sometimes wonder if anyone’s listening...
By Steve Devine, business development manager at IGI Insurance and chair of Protect What a week. I apologise now, this is going to be more of a suicide note than a blog...
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’...
By Bill Warren, managing director, Bill Warren Compliance LLP Compliance As we edge ever closer to further feedback from the Financial Services Authority (FSA) on a number of consultation papers, most compliance professionals will be taking a deep breath in preparation for the volume of reading they will have to do...
By Phil Whitehouse, head of The Mortgage Alliance (TMA) I had a touch of déjà vu recently...
By Steve Devine, business development manager at IGI insurance Company I was lucky enough to go to the Carling Cup on Sunday and it proved to be a decent game and in a pleasant way a bit unsettling...
By Andy Moody, managing director of TCF Debt Solutions We live in a world of increasing indebtedness, not limited to personal, corporate or bank debts...
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...
By Steve Devine, business development manager at IGI insurance and chair of Protect, the association for UK creditor insurers I am in the doldrums, in fact its worse - Je suis tres "gutted"...
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...
By Bill Warren, managing director, Bill Warren Compliance LLP Compliance. Much has been written about the expectations of the regulator and how as regulated firms we must all comply with their requirements including the FSA’s principles of business...
By Steve Devine, business development manager at IGI insurance Company There's a breath of fresh air at Upton Park...
By Andy Moody, managing director of TCF Debt Solutions The question of what represents the best option for clients in debt is still not one that is debated openly in the market...
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...
By Bill Warren, managing director, Bill Warren Compliance LLP Compliance. That word that conjures up so many associations for the Financial Services industry, mostly of a negative nature...
By Steve Devine, business development manager at IGI insurance Company and chairman of Protect - the Association of UK Creditor Insurers Thank God - I did it...
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...
By Andy Moody, managing director, TCF Debt Solutions This might be stating the obvious, but advisers who have an existing client bank of over two years old will have customers who are in debt...
By Steve Devine, business development manager at IGI insurance Company This is the time of year when a lot of scribes, commentators, and amateur bloggers reflect on the past year and record the highlights and the low points...
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...
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...
By Andy Moody, managing director, TCF Debt Solutions While we are being encouraged to believe that the worst of the crisis is behind us, the ripples from the credit crunch continue to demonstrate the evidence of a huge groundswell of people in trouble with their finances...
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...
By Steve Devine, business development manager at IGI insurance Company and chairman of Protect - the Association of UK Creditor Insurers At least I had some respite from the Hammers woes last weekend...
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...
By Phil Whitehouse, head of The Mortgage Alliance (TMA) The FSA’s mortgage market review discussion paper has dominated the news recently...
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...
By Steve Devine, business development manager at IGI insurance Company The Hammers continue to under-perform and lie second from bottom in the Premiership...
By Andy Moody, managing director of TCF Debt Solutions Henry Ford famously told customers that they could have any colour on their Model T cars, provided it was black...
By Andy Moody, Managing Director, TCF Debt Solutions As the MD of a mature debt solutions company specialising in intermediary business and founded before the credit crunch, it is satisfying to see the growing numbers of providers coming into the market, and as we did, recognising the potential of the intermediary channel to engage clients who are in real need of help...
By Steve Devine, business development manager, IGI Insurance This week has been a belter so far...
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...
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...
What a great England performance that was against Croatia. One of the best in a very long time. Good to see the West Ham influence (both current and ex players) coursing through the veins of the team...
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...
Steve Devine is business development manager at IGI insurance Company and chairs Protect - the Association of UK Creditor Insurers Steve joined IGI this year from Cardif Pinnacle (formerly Pinnacle Insurance) where he spent 15 years, the last seven as the head of group corporate communications...
By Michael White, chief executive, Email Mortgages Michael White is both founder and chief executive of online mortgage advisers, Email Mortgages (www...
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...
Steve Devine is business development manager at IGI insurance Company and chairs Protect - the Association of UK Creditor Insurers Steve joined IGI this year from Cardif Pinnacle (formerly Pinnacle Insurance) where he spent 15 years, the last seven as the head of group corporate communications...
The Chester County Court has issued a stay of proceedings in ALL claims relating to unenforceability pending test cases in the London County Court...
FOCUS ON PPI The world has changed.... 18 months ago mortgages and loans were the bread and butter of intermediaries and the future looked pretty solid...
What about loan write-offs? Will someone just tell me what the deal is with write-offs? Should I be referring my clients to get their loans written off? Are they a con? Will it damage my brand and reputation? Will I make any money? Will client be in a better position? How long will it take? Good questions to ask and sadly the feeding frenzy often over takes the facts...
Most sales pitches involve asking your clients for money at some point. Your enthusiastic explanations are followed by a 10 second pregnant pause where you shuffle your feet and then utter the words ‘one last thing’, and then wait another 3 minutes to find out whether you have wasted the last 30 minutes of your life...
Either diversify or go backpacking - Why is everyone talking about Financial Complaints? The market has been ugly, especially for intermediaries of financial service related products...
STAGE 1 - FINANCIAL COMPLAINTS What programme? - Picking the right horse.... Financial complaints has exploded in the UK with millions of consumers claiming back unfair bank charges, unfair mortgage fees, credit card fees, mis-sold loan insurance...
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- Regulator consults on new 'big brother' affordability regime........
- Home owners seduced by good remortgage rates........
- Estate agents report their best month since the crash........
- More older people in mortgage woes, debt charity warns........
- Housing market turns a corner, say estate agents........
- Former Bank of England bigwigs attack Help to Buy........
- Round table event to be staged for mortgage advisers........
- One in five repossessions a buy-to-let property........
- Intermediaries take back market share across mortgage market........
- NatWest storms into Help to Buy and NewBuy markets........
