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Mortgages

Protection market review - May 2016 »
Protection market news update for May 2016
Mortgage market review - April 2016 »
Mortgage market update for April 2016
Protection market review - April 2016 »
Protection market news update for April 2016
Budget March 2016 - a summary »
This was the third Budget within the space of 12 months. It threatened to be the most difficult of the trio because of constraints imposed by June's EU referendum and disappointing economic numbers. Nevertheless, the Chancellor managed to produce several surprises, including net taxcutsin 2017/18 and 2018/19 before reaching his often repeated goal of a budget surplus in 2019/20.
Mortgage market review - March 2016 »
Mortgage market update for March 2016
Protection market review - March 2016 »
Protection market news update for March 2016
Accelerated learning and memory techniques »
In this Insurance Institute of London revision lecture, Rob Murray, ACII, Partner, Lane Clark & Peacock and General Insurance Actuary of the Year 2012, outlined, with practical examples, a number of different memory techniques to assist students when preparing for exams or wider business or personal situations.
Society of Mortgage Professionals welcome FCA exam review »
The Society of Mortgage Professionals have expressed confidence in the FCA's announcement of a review of examination standards across a broad range of regulated activities - including mortgages - to ensure they remain fit for purpose.
Mortgage market review - February 2016 »
Mortgage market update for February 2016
Protection market review - February 2016 »
Protection market news update for February 2016
CII Public Affairs Update Issue 1 2016 »
The CII's Public Affairs updates contain news from Westminster and Whitehall, Europe and the regulator. This issue covers the new FCA Chief Executive, the Bank of England and Financial Services Bill and the implementation of the Insurance Distribution Directive.  
Mortgage market review - January 2016 »
Mortgage market update for January 2016
Protection market review - January 2016 »
Protection market news update for January 2016
Autumn statement 2015 »
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 25 November 2015, which are subject to change. Quick links Highlights » Economic background » Capital taxes » Savings and pensions » Personal taxation » Business taxes » Welfare » Tax administration and simplification » Tax avoidance, evasion and compliance » Main income tax allowances and rates » Income tax rates and bands » National Insurance Contributions »
Recent developments in mortgage product design »
This factfile was last updated by Brad Baker in November 2017. Product features have evolved in the period under review to help maintain the market (affordability) and protect lender's margins. Product innovation and changes in borrowing criteria and the calculation of affordability, allied with historically low interest rates, have helped home buyers to purchase increasingly expensive properties. However, in the past few years house prices (and therefore affordability) in many property hotspots has outstripped the scope of product innovation. Combined with other economic factors, this has led to huge sections of the population being priced out of the home owning market. First time buyers have been particularly squeezed over this period despite deflationary pressures since 2007 and external 'pull' factors designed to promote first time buyer activity - such as the government's temporary "stamp duty holiday" and the subsequent permanent raising of stamp duty thresholds. The UK Government has been offering increased support for lenders' mortgage activities recently, through cheap sourcing of wholesale funds and underwriting some risks for higher percentage loans under its ‘Help to buy’ scheme. In the recent 2017 budget stamp duty on purchases made by most first time buyers was permanently removed.  

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