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Chartered Insurance Institute
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Mortgages

Introducing additional products »
Like many prophets of doom, I have suspected for some time that the market conditions to which we had become accustomed were unlikely to prove sustainable. Property prices had risen too quickly and the levels of debt taken on by many individuals could only be serviced whilst interest rates were kept to historically low levels. None of that, however, clearly signposted the problems that we are now facing, with house prices falling, the market stalled by a shortage of product and funds, and rising borrowing costs and inflationary fears causing many people real financial difficulties.
Regulatory News May 2008 »
Regulatory news bulletin for May 2008.
FSA issues on mortgage advice »
There have been two documents from the Financial Services Authority (FSA) in recent weeks of particular interest to firms in the mortgage market. A newsletter was issued to regulated firms in March and the retail thematic work plan for the next year was published on 7 April. Both of these documents are of interest because they provide clear pointers to the issues that are of particular interest to the regulator and should, therefore, be at the top of our business priorities.
The mortgage market and the role of equity release »
It is sometimes said that all publicity is good publicity but at a time when housing and the mortgage market make the front pages of the national press on an almost daily basis there might be many who wish for a prolonged period of stability, when many of the doubts surrounding the market can be shown to be less frightening than is sometimes being portrayed.
Professional Pointers January 2008 »
Regulatory news bulletin for January 2008.
Responding to the needs of the market »
Responding to the needs of the market
The role of ethics in business »
The role of ethics in business
Payment protection insurance »
Payment protection insurance Payment protection and mortgage payment protection are short-term general insurance products that are designed to provide a monthly income to enable the insured to keep up loan repayments in the event of inability to work because of accident, sickness or unemployment. They are sometimes described as ASU policies. Normally they are limited in time to the period of the loan or to age 65.
The benefits of financial advice »
The benefits of financial advice Those who make their living as financial and mortgage advisers are able to cite many examples from their own experience of how their services have been of benefit to their clients. Similarly there can be little doubt that many of their clients recognise the value of the services available to them. This can be demonstrated by the increasing use borrowers make of intermediaries to ensure the financial choices they make are the most appropriate for their purposes. It is not long ago that the intermediary sector was proud to claim 60% of the business being channelled through their sector; now the figure is nearer 80%!
Offset and current account mortgages »
Offset and current account mortgages
Professional Pointers March 2007 »
Regulatory news bulletin from March 2007
Environmental liabilities: addressing client and broker exposures »
Environmetal liabilities: addressing client and broker exposures
Home reversion plan top-up exam to be introduced by CII »
Home reversion plan top-up exam to be introduced by CII

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