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Mortgages

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.  
Mortgage market review - November 2015 »
Mortgage market update for November 2015
Protection market review - November 2015 »
Protection market news update for November 2015
Social media - a discussion on the importance of social media in business »
Asking whether business leaders should be social leaders is to ask the wrong question. It is not if, but when should leaders embrace social says Scott Guthrie
Protection market review - October 2015 »
Protection market news update for October 2015
The regulation of mortgage intermediaries (prudential requirements) »
This factfile was last updated by Brad Baker in November 2017. The prudential responsibilities applying to small firms were transferred to the Financial Conduct Authority (FCA) with effect from 2013. 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. The FCA Handbook applies to all intermediaries involved in life, pensions and investment business, mortgage advising and arranging and general insurance.. All intermediaries, irrespective of the sector in which they operate, are subject to FCA prudential requirements covering: capital resources;professional indemnity insurance;client money.
Mortgage market review - October 2015 »
Mortgage market update for October 2015
FCA call for evidence on mortgage sector competition »
On 7 October 2015, the FCA published a Call for Inputs on competition in the mortgage market, providing an opportunity for those with an interest in the sector to help identify, in particular, potential areas where competition in the interests of consumers may not be working well and could be improved (or conversely if competition is working well).
Mortgage market review - September 2015 »
Mortgage market update for September 2015
Protection market review - September 2015 »
Protection market news update for August 2015

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