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Mortgages

Increasing complexity demands greater specialism »
The Society of Mortgage Professionals' recent survey found 61% of members supported a standalone lifetime mortgage qualification for pensions and investment advisers so they could sell such products without having full mortgage qualifications.
Getting to grips with the new buy to let affordability checks »
The new Prudential Regulation Authority regime regarding Interest Cover Ratios (ICR) and stress tests are a mathematical consequence of the income tax relief changes announced by George Osborne back in July 2015.
Spring budget 2017 summary »
This summary has been prepared very rapidly by Taxbriefs and is for general information only. It is recommended to seek competent professional advice before taking or refraining from taking action on the basis of the contents of this publication. The guide represents the authors understanding of the law and HM Revenue & Customs practice as at 9th March 2017, which are subject to change.
Protection market review March 2017 »
Protection market update for March 2017
Mortgage market review March 2017 »
Mortgage market update for March 2017
Government consultation on public financial guidance »
Response to the Government's proposals to create a single financial guidance body to deliver unregulated guidance to the public. We make several suggestions, including that this body work with the advice profession to deliver a free Financial Health Check to all adults in the UK.
Consultation on pension scams »
We believe the Government, regulators and financial advice professionals have a common and joint responsibility to act in the interests of consumers by seeking out and eliminating the unscrupulous behaviour of cold callers, scammers and fraudsters.
Mortgage market review February 2017 »
Mortgage market update for February 2017
Protection market review February 2017 »
Protection market update for February 2017
The regulation of mortgage business »
Regulation of the conduct of business in mortgage selling is the responsibility of the Financial Conduct Authority (FCA). The Prudential Regulatory Authority (PRA) is responsible for the prudent operation of the financial system through regulation of all deposit-taking institutions, insurers and investment banks. This factfile was last updated by the author in January 2017 and reflects the rule changes arising from the Mortgage Credit Directive (MCD) that came into effect in 2016. Firms have until 2019 to transition in some of these changes.
FCA future mission consultation »
We support this fundamental review of the FCA's work going forward. Much has happened in the financial markets even since the creation of the FCA in 2012. There has been much new insight on how consumers behave with financial products and services, including the impact of technology and new processes. 
CII calls for Brexit transitional arrangements as economic confidence plummets across profession »
Economic confidence across the insurance profession falls to its lowest level since 2011 Nearly half (48%) of those working in insurance expect the economy to deteriorate in 2017 92% of those in the Lloyd's market believe securing EU passporting rights should be a top priority in Brexit negotiations The CII calls on Theresa May to make early commitment to transition arrangements post-Brexit 
CII member economic outlook and Brexit survey results »
This edition of the CII Member Survey indicates a significant fall in confidence for 2017 among CII members, across all three key indicators measuring economic, business and employment prospects. Following growth in all indices, the yearly change in 2016 is the greatest one-year fall for each index since records began in 2011.
The inexorable rise in demand for bridging loans »
The bridging industry has gained both ground and reputation in the past few years. The credit crunch, while creating problems for the lending industry as a whole, saw lenders in the bridging industry rise to fill the gap left by the mainstream lenders.
Mortgage market review January 2017 »
Mortgage market update for January 2017

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