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Vida Homeloans.
NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial Conduct Authority (FCA) uncovered failings in the way advisers were giving advice, including concerns over debt consolidation not being properly explored.. According to the ERC the new checklist was issued following a review by its FLOOD RISK AND ITS LINK TO MORTGAGE LENDING Within our towns and cities we find a patchwork of specific local areas where an enhanced flood risk is identified. Surveyors need to be particularly aware of those properties with basements which could flood if the local storm water drainage system becomes overloaded. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY Mortgage Finance Gazette incorporates all the latest mortgage news including commercial lending, awards and valuations. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of HOUSE PRICES ROCKET BY 7.1% Average UK house prices are currently at £238,831, according to the society, which means they have grown by £15,916 over the past year. Robert Gardner, Nationwide’s chief economist, said: “Just as expectations of the end of the stamp duty holiday led to a slowdown in house price growth in March, so the extension of the stamp duty holiday in the Budget prompted a reacceleration in April. NEW BANK TO LAUNCH NEXT MONTH The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings and lending and turning them into a nationwide, socially conscious effort with one primary objective: giving of another kind.. It’s the brainchild of Roger Morris, group distribution director at OneSavings Bank, Tim Vigeon, head of lending at Buckinghamshire Building Society PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements LOUISA SEDGWICK TO JOIN TANDEM BANK IN OCTOBER Louisa Sedgwick is to join Tandem Bank in October following a period of gardening leave from her role as managing director of mortgages atVida Homeloans.
NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial Conduct Authority (FCA) uncovered failings in the way advisers were giving advice, including concerns over debt consolidation not being properly explored.. According to the ERC the new checklist was issued following a review by its FLOOD RISK AND ITS LINK TO MORTGAGE LENDING Within our towns and cities we find a patchwork of specific local areas where an enhanced flood risk is identified. Surveyors need to be particularly aware of those properties with basements which could flood if the local storm water drainage system becomes overloaded. INCORPORATING SUSTAINABILITY INTO RESIDENTIAL SURVEYING Tackling climate change from a business perspective can take a variety of forms. Ana Bajri explains how Countrywide Surveying Services is playing its role in reducing C02 emissions and improving sustainability As society’s values shift to include sustainability, so too will the way decisions are THE IMPORTANCE OF BUILDING SOCIETIES IN A POST-COVID WORLD 1 day ago · Regional building societies might be small but they have the potential – not to mention the dexterity – to be a major player in the mortgage world as we recover from the pandemic. The Tipton’s Richard Groom explains While many are looking back over 2020 and the impact this has had on the KENSINGTON COMPLETES GREEN BOND SECURITISATION 1 day ago · Kensington Mortgages has completed a green bond securitisation – its largest deal collateralised by new originations since 2008. It said it was the first lender to complete a green bond securitisation in the UK RMBS (Residential Mortgage-Backed Security)markets. What’s
MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic having risen PEPPER MONEY TO HELP FUND CLIMATE CHANGE INITIATIVE 1 day ago · Pepper Money is to provide financial support to Ecologi, a climate positive organisation which plants trees and funds carbon reduction initiatives. The specialist lender has entered the new partnership as part of its commitment to helping combat climate change. Under the new link Pepper Money will DARLINGTON UNVEILS HOLIDAY LET MORTGAGE AS ‘STAYCATION Darlington Intermediaries has become the latest lender to enter the buoyant holiday let market with a new deal available up to 75% loan-to-value (LTV). The launch of the two-year discount rate mortgage comes at a time of great uncertainty over foreign travel. SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident they had UNDERSTANDING VALUE IN CONSULTANCY IS CRUCIAL Many are predicting IR35 will sound the death knell for consultants. But Tim Hague thinks such reports are greatly exaggerated Last week, an interesting article caught my eye with regard the unfolding story of IR35. The introduction ran, ‘private and public sector organisations that fail to takeMORTGAGES FOR MUD
In the village of Clovelly on the north Devon coast the steep cobbled streets wind down to the harbour so steeply that vehicular traffic cannot be used and the locals use wooden sledges to haul things up and down between the cottages. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NATIONWIDE LAUNCHES SUB-1% REMORTGAGE DEAL Nationwide launches sub-1% remortgage deal. By Kate Saines in Lending news 2nd June 2021 0. Nationwide has today launched a two-year fixed-rate mortgage with an interest rate of 0.99%. The deal, which is available for remortgagers, is for customers with a loan-to-value (LTV) of 60% and it comes with a £1,499 fee. NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high LSL ANNOUNCES VENTURE TO ESTABLISH NATIONAL MORTGAGE BROKER LSL announces venture to establish national mortgage broker. By admin in Market news 23rd April 2021 0. LSL, which runs mortgage networks including PRIMIS, is entering a joint venture with Pollen Street Capital to establish a new vehicle which aims to become a leading national mortgage broker. David Copland will be the new strategy andbusiness
STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
WARNING ISSUED AS NEW BREED OF JAPANESE KNOTWEED INVADES By Kate Saines in Surveying 21st October 2020 0. A new breed of invasive plant, which is a rare hybrid of the notorious Japanese and Giant knotweeds, has been identified as a potential threat to UK homeowners. Bohemian knotweed is particularly troublesome because it is not so easily recognised as its infamous parents. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NATIONWIDE LAUNCHES SUB-1% REMORTGAGE DEAL Nationwide launches sub-1% remortgage deal. By Kate Saines in Lending news 2nd June 2021 0. Nationwide has today launched a two-year fixed-rate mortgage with an interest rate of 0.99%. The deal, which is available for remortgagers, is for customers with a loan-to-value (LTV) of 60% and it comes with a £1,499 fee. NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high LSL ANNOUNCES VENTURE TO ESTABLISH NATIONAL MORTGAGE BROKER LSL announces venture to establish national mortgage broker. By admin in Market news 23rd April 2021 0. LSL, which runs mortgage networks including PRIMIS, is entering a joint venture with Pollen Street Capital to establish a new vehicle which aims to become a leading national mortgage broker. David Copland will be the new strategy andbusiness
STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
WARNING ISSUED AS NEW BREED OF JAPANESE KNOTWEED INVADES By Kate Saines in Surveying 21st October 2020 0. A new breed of invasive plant, which is a rare hybrid of the notorious Japanese and Giant knotweeds, has been identified as a potential threat to UK homeowners. Bohemian knotweed is particularly troublesome because it is not so easily recognised as its infamous parents. DIGITAL ACCELERATION: PROVIDING CHOICE FOR ALL 22 hours ago · Meeting the needs of both the ‘passbook’ customers and those from the digital generation is a fine balancing act. In the second of his two part series Adam Oldfield of Phoebus Software Limited explains how equilibrium can be achieved In my last article I wrote about the digital journey many SEARCHFLOW LAUNCHES DATA SERVICE TO PINPOINT POTENTIAL 1 day ago · A new service has been created to help lawyers gain crucial insights and data on sites and properties and enable them to spot any potential concerns before it’s too late. Premium Data Layers is a data-led service from SearchFlow, a provider of legal due diligence information for residential and HOW ARE LENDERS PERFORMING? BROKERS OFFER THEIR VERDICT 22 hours ago · Broker satisfaction with mortgage lenders has increased by 2.5% in the last six months with Halifax and Skipton Building Society coming out on top amongst those surveyed. Research by Smart Money People said while overall satisfaction had not recoveredfrom the
BUY-TO-LET: WHAT TO LOOK OUT FOR IN 2021 Buy-to-let incorporations were the second most common type of company founded in 2020, second only to firms selling goods online or by mail order, and this is something that will continue in the first quarter of 2021. Lenders and intermediaries are set for a busy three months as they look to complete deals before the deadline. MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH 1 day ago · Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic having risen UNDERSTANDING VALUE IN CONSULTANCY IS CRUCIAL Many are predicting IR35 will sound the death knell for consultants. But Tim Hague thinks such reports are greatly exaggerated Last week, an interesting article caught my eye with regard the unfolding story of IR35. The introduction ran, ‘private and public sector organisations that fail to take AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident they had HALIFAX: ANOTHER ‘RECORD HIGH’ FOR HOUSE PRICES IN MAY The average house price has reached £261,743 following an annual rise of 9.5% according to the latest data from Halifax. The lender’s house price index showed a monthly change of 1.3% which pushed the average price to a record high for the series. Indeed, Halifax said annual house price inflation MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. DIGITAL ACCELERATION: PROVIDING CHOICE FOR ALL 18 hours ago · Meeting the needs of both the ‘passbook’ customers and those from the digital generation is a fine balancing act. In the second of his two part series Adam Oldfield of Phoebus Software Limited explains how equilibrium can be achieved In my last article I wrote about the digital journey many HOW ARE LENDERS PERFORMING? BROKERS OFFER THEIR VERDICT 18 hours ago · Broker satisfaction with mortgage lenders has increased by 2.5% in the last six months with Halifax and Skipton Building Society coming out on top amongst those surveyed. Research by Smart Money People said while overall satisfaction had not recoveredfrom the
SEARCHFLOW LAUNCHES DATA SERVICE TO PINPOINT POTENTIAL 19 hours ago · A new service has been created to help lawyers gain crucial insights and data on sites and properties and enable them to spot any potential concerns before it’s too late. Premium Data Layers is a data-led service from SearchFlow, a provider of legal due diligence information for residential and ONLINE BROKER EXPERIENCES FIRST-TIME BUYER BOOM DURING By Kate Saines in Lending news 20th April 2021 0. There has been a surge in first-time buyers applying for mortgages during the pandemic, according to data from online mortgage broker, Trussle. Deposit sizes increased, said Trussle. It reported a 185% increase in applications from people making their first foray into homeownership in 2020, with MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
INCORPORATING SUSTAINABILITY INTO RESIDENTIAL SURVEYING 1 day ago · Tackling climate change from a business perspective can take a variety of forms. Ana Bajri explains how Countrywide Surveying Services is playing its role in reducing C02 emissions and improving sustainability As society’s values shift to include sustainability, so too will the way decisions are SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH 1 day ago · Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE 1 day ago · Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident theyhad
PROPORTUNITY JOINS IMLA AS ASSOCIATE MEMBER 1 day ago · The specialist mortgage lender aims to help aspiring buyers access homeownership by providing a second charge top-up loan similar to Help to Buy but regulated and available on any eligible home. The addition of Proportunity Loans as an Associate member means LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. DIGITAL ACCELERATION: PROVIDING CHOICE FOR ALL 11 hours ago · Meeting the needs of both the ‘passbook’ customers and those from the digital generation is a fine balancing act. In the second of his two part series Adam Oldfield of Phoebus Software Limited explains how equilibrium can be achieved In my last article I wrote about the digital journey many HOW ARE LENDERS PERFORMING? BROKERS OFFER THEIR VERDICT 11 hours ago · Broker satisfaction with mortgage lenders has increased by 2.5% in the last six months with Halifax and Skipton Building Society coming out on top amongst those surveyed. Research by Smart Money People said while overall satisfaction had not recoveredfrom the
SEARCHFLOW LAUNCHES DATA SERVICE TO PINPOINT POTENTIAL 12 hours ago · A new service has been created to help lawyers gain crucial insights and data on sites and properties and enable them to spot any potential concerns before it’s too late. Premium Data Layers is a data-led service from SearchFlow, a provider of legal due diligence information for residential and ONLINE BROKER EXPERIENCES FIRST-TIME BUYER BOOM DURING By Kate Saines in Lending news 20th April 2021 0. There has been a surge in first-time buyers applying for mortgages during the pandemic, according to data from online mortgage broker, Trussle. Deposit sizes increased, said Trussle. It reported a 185% increase in applications from people making their first foray into homeownership in 2020, with MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
INCORPORATING SUSTAINABILITY INTO RESIDENTIAL SURVEYING 1 day ago · Tackling climate change from a business perspective can take a variety of forms. Ana Bajri explains how Countrywide Surveying Services is playing its role in reducing C02 emissions and improving sustainability As society’s values shift to include sustainability, so too will the way decisions are SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH 1 day ago · Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE 1 day ago · Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident theyhad
PROPORTUNITY JOINS IMLA AS ASSOCIATE MEMBER 1 day ago · The specialist mortgage lender aims to help aspiring buyers access homeownership by providing a second charge top-up loan similar to Help to Buy but regulated and available on any eligible home. The addition of Proportunity Loans as an Associate member means LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements RATING THE MORTGAGE SERVICING FIRMS Lenders who outsource their mortgage administration to a third party provider are more common in the mortgage world. Although many lenders undertake their own mortgage servicing, there is a significant chunk of mortgage administration that is outsourced. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high FLOODS BRING CLIMATE OF CHANGE FOR MORTGAGE LENDING Climate change is already happening and having an impact on physical hazards, such as flood, around the world, bringing into question the impact on the mortgage industry’s long-term lending against property assets. Our team of scientists has contributed to leading research on this topic, with one research paper providing evidence that HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements INCORPORATING SUSTAINABILITY INTO RESIDENTIAL SURVEYING 18 hours ago · As society’s values shift to include sustainability, so too will the way decisions are being made throughout the mortgage market. In 2020, data from the Department for Business, Energy and Industrial Strategy outlined the residential sector accounted for 20.8% of all carbon dioxide emissions. SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH 19 hours ago · Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic having risen AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE 20 hours ago · Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% wereconfident they had
MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
HOW NEW DIGITAL ID STANDARDS WILL MODERNISE PROPERTY TRANSFERS Smoother, faster and safer property transfers are closer to becoming a reality thanks to the digital acceleration driven by the pandemic. Alastair Johnson, founder and CEO of Nuggets, reveals what’s being done to keep up the momentum 2020 proved to be a year of tech innovation. With the very PROPORTUNITY JOINS IMLA AS ASSOCIATE MEMBER 21 hours ago · The specialist mortgage lender aims to help aspiring buyers access homeownership by providing a second charge top-up loan similar to Help to Buy but regulated and available on any eligible home. The addition of Proportunity Loans as an Associate member means LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a BUY-TO-LET: WHAT TO LOOK OUT FOR IN 2021 Buy-to-let incorporations were the second most common type of company founded in 2020, second only to firms selling goods online or by mail order, and this is something that will continue in the first quarter of 2021. Lenders and intermediaries are set for a busy three months as they look to complete deals before the deadline. ARE YOU READY FOR BANK OF ENGLAND CLIMATE STRESS TESTING? Are you ready for Bank of England climate stress testing? There’s just one month to go until the Bank of England (BoE) launches regulatory climate stress testing to the largest banks and building societies, Terrafirma is warning. The ground risk specialist explained the bigger lenders have until September to provide initial feedback tothe BoE.
MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high FLOODS BRING CLIMATE OF CHANGE FOR MORTGAGE LENDING Climate change is already happening and having an impact on physical hazards, such as flood, around the world, bringing into question the impact on the mortgage industry’s long-term lending against property assets. Our team of scientists has contributed to leading research on this topic, with one research paper providing evidence that HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high FLOODS BRING CLIMATE OF CHANGE FOR MORTGAGE LENDING Climate change is already happening and having an impact on physical hazards, such as flood, around the world, bringing into question the impact on the mortgage industry’s long-term lending against property assets. Our team of scientists has contributed to leading research on this topic, with one research paper providing evidence that HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
VALUE OF NEW MORTGAGES SOARS TO PRE-FINANCIAL CRISIS LEVELS 21 hours ago · The value of new mortgages soared at the start of the year to levels not seen since before the financial crisis, new Bank of England (BoE) data has revealed. The latest Q1 mortgage statistics revealed the value of gross advances in Q1 was £83.3 billion – this was 26.5% higher than the same MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE 1 day ago · Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic havingrisen
MORE2LIFE UNVEILS NEW HIGH LTV EQUITY RELEASE PLANS 20 hours ago · more2life has launched two new equity release products which claim to have the highest loan-to-value (LTV) available in the market. The lender revealed the new Maximum Choice Super 1 and 2, which are open to borrowers between the ages of 55 and DARLINGTON UNVEILS HOLIDAY LET MORTGAGE AS ‘STAYCATION 20 hours ago · Darlington Intermediaries has become the latest lender to enter the buoyant holiday let market with a new deal available up to 75% loan-to-value (LTV). The launch of the two-year discount rate mortgage comes at a time of great uncertainty overforeign travel.
HOW NEW DIGITAL ID STANDARDS WILL MODERNISE PROPERTY TRANSFERS Smoother, faster and safer property transfers are closer to becoming a reality thanks to the digital acceleration driven by the pandemic. Alastair Johnson, founder and CEO of Nuggets, reveals what’s being done to keep up the momentum 2020 proved to be a year of tech innovation. With the very LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a BUY-TO-LET: WHAT TO LOOK OUT FOR IN 2021 Buy-to-let incorporations were the second most common type of company founded in 2020, second only to firms selling goods online or by mail order, and this is something that will continue in the first quarter of 2021. Lenders and intermediaries are set for a busy three months as they look to complete deals before the deadline. THE MONMOUTHSHIRE TO REPAY FURLOUGH SUPPORT The Society focused on ensuring members had access to cash and services during the national lockdowns. The Monmouthshire’s commitment to access was further highlighted with the opening of a new branch in Brecon at a time when other financial services are ARE YOU READY FOR BANK OF ENGLAND CLIMATE STRESS TESTING? Are you ready for Bank of England climate stress testing? There’s just one month to go until the Bank of England (BoE) launches regulatory climate stress testing to the largest banks and building societies, Terrafirma is warning. The ground risk specialist explained the bigger lenders have until September to provide initial feedback tothe BoE.
MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high FLOODS BRING CLIMATE OF CHANGE FOR MORTGAGE LENDING Climate change is already happening and having an impact on physical hazards, such as flood, around the world, bringing into question the impact on the mortgage industry’s long-term lending against property assets. Our team of scientists has contributed to leading research on this topic, with one research paper providing evidence that HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high FLOODS BRING CLIMATE OF CHANGE FOR MORTGAGE LENDING Climate change is already happening and having an impact on physical hazards, such as flood, around the world, bringing into question the impact on the mortgage industry’s long-term lending against property assets. Our team of scientists has contributed to leading research on this topic, with one research paper providing evidence that HSBC APPOINTS TOM WOLFENDEN AS NEW HEAD OF RETAIL BANKING Tom Wolfenden has been appointed as head of retail banking at HSBC UK to replace Tracie Pearce who is moving to Santander. Wolfenden, who is currently the head of finance and strategy for HSBC’s UK wealth and personal banking division, will take on the role with effect from 1 March. HSBC said he will assume responsibility for all retail NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgements MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
VALUE OF NEW MORTGAGES SOARS TO PRE-FINANCIAL CRISIS LEVELS 20 hours ago · The value of new mortgages soared at the start of the year to levels not seen since before the financial crisis, new Bank of England (BoE) data has revealed. The latest Q1 mortgage statistics revealed the value of gross advances in Q1 was £83.3 billion – this was 26.5% higher than the same MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE 1 day ago · Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic havingrisen
MORE2LIFE UNVEILS NEW HIGH LTV EQUITY RELEASE PLANS 19 hours ago · more2life has launched two new equity release products which claim to have the highest loan-to-value (LTV) available in the market. The lender revealed the new Maximum Choice Super 1 and 2, which are open to borrowers between the ages of 55 and DARLINGTON UNVEILS HOLIDAY LET MORTGAGE AS ‘STAYCATION 19 hours ago · Darlington Intermediaries has become the latest lender to enter the buoyant holiday let market with a new deal available up to 75% loan-to-value (LTV). The launch of the two-year discount rate mortgage comes at a time of great uncertainty overforeign travel.
HOW NEW DIGITAL ID STANDARDS WILL MODERNISE PROPERTY TRANSFERS Smoother, faster and safer property transfers are closer to becoming a reality thanks to the digital acceleration driven by the pandemic. Alastair Johnson, founder and CEO of Nuggets, reveals what’s being done to keep up the momentum 2020 proved to be a year of tech innovation. With the very LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a BUY-TO-LET: WHAT TO LOOK OUT FOR IN 2021 Buy-to-let incorporations were the second most common type of company founded in 2020, second only to firms selling goods online or by mail order, and this is something that will continue in the first quarter of 2021. Lenders and intermediaries are set for a busy three months as they look to complete deals before the deadline. THE MONMOUTHSHIRE TO REPAY FURLOUGH SUPPORT The Society focused on ensuring members had access to cash and services during the national lockdowns. The Monmouthshire’s commitment to access was further highlighted with the opening of a new branch in Brecon at a time when other financial services are ARE YOU READY FOR BANK OF ENGLAND CLIMATE STRESS TESTING? Are you ready for Bank of England climate stress testing? There’s just one month to go until the Bank of England (BoE) launches regulatory climate stress testing to the largest banks and building societies, Terrafirma is warning. The ground risk specialist explained the bigger lenders have until September to provide initial feedback tothe BoE.
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Go to... Market news – Mortgage servicing – Housing – Regulation – Funding – Arrears – Insurance – Fraud – Surveying – Company news – Savings Lending news – Second charge mortgages – Buy to let – Equity release – Bridging finance – Specialist lending – Commercial lending – Mortgage lending figures – Peer to peer lending Legal news – Conveyancing – Legal Cases Fintech Features Market commentary Awards Conference__
FEATURED MORTGAGE INDUSTRY NEWS*
BANK BASE RATE CUT TO 0.1% The Bank of England has dropped Bank Base Rate to an unprecedented 0.1% as the coronavirus continues...*
GOVERNMENT BANS EVICTIONS AND ANNOUNCES ADDITIONAL PROTECTION FORRENTERS
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EXPANSION OF UNDERWRITING RESOURCE PAYS DIVIDENDS FOR EQUIFINANCE * Bridging lending up by nearly 20% in 2019 Bridging loan books grew to £4.5 billion in 2019, an increase of 19.7% compared to 2018, according to figures compiled by auditors from data provided by members of the Association of Short-Term Lenders(ASTL).
* Cambridge & Counties Bank awarded green accreditation for recordfive years in a row
Specialist lender Cambridge & Counties Bank has been awarded Investors in the Environment accreditation for a record fifth consecutive year. * eKeeper launches Experian AML and credit reports for brokers Fintech and software firm eKeeper has launched integrated Anti-Money Laundering (AML) and consumer credit reports, both powered by Experian, into its broker customer relationship management (CRM)system.
* Three month mortgage holiday for struggling borrowers The Chancellor Rushi Sunak has announced a raft of measures to help business and homeowners as the Covid-19 virus continues to causehavoc.
FEATURES
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Mortgage sector faces a transformative year Robin Penfold, partner at UK law firm TLT, looks at some of the key issues the mortgage market will be expected to address during 2020*
Mortgages 2020 – the funding outlook Tony Ward, CEO at Home Funding Limited, gives his views on mortgage funding for the year ahead – from retail deposits to fixed rates andsecuritisation
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A glimpse into the Gazette 1929 and post WW1 housing Mortgage Finance Gazette’s editor Joanne Atkin takes a look at the Building Societies Gazette for 1929 - some 60 years after it was first published. Housing over the previous decade had taken centre stage - and there was a banquet to celebrate the first building society 147years earlier
LENDING NEWS
* Expansion of underwriting resource pays dividends for Equifinance Second charge lender Equifinance is strengthening its underwriting and administration facilities as new business enquiries continue to grow. * Bridging lending up by nearly 20% in 2019 Bridging loan books grew to £4.5 billion in 2019, an increase of 19.7% compared to 2018, according to figures compiled by auditors from data provided by members of the Association of Short-Term Lenders(ASTL).
* Three month mortgage holiday for struggling borrowers The Chancellor Rushi Sunak has announced a raft of measures to help business and homeowners as the Covid-19 virus continues to causehavoc.
* Loans Warehouse personal loan API sees 20th partnership in fourmonths
Master broker Loans Warehouse launched a personal loan platform four months ago and has just signed up its 20th partner.FINTECH
* Expansion of underwriting resource pays dividends for Equifinance Second charge lender Equifinance is strengthening its underwriting and administration facilities as new business enquiries continue to grow. * eKeeper launches Experian AML and credit reports for brokers Fintech and software firm eKeeper has launched integrated Anti-Money Laundering (AML) and consumer credit reports, both powered by Experian, into its broker customer relationship management (CRM)system.
* Mortgage Magic integrates with Twenty7Tec CRM and mortgage management platform, Mortgage Magic, has integrated Twenty7Tec’s ‘SOURCE’ solution into its broker proposition. * Smartr365 to connect brokers with lenders through API integration with Iress’ Lender Connect Mortgage brokers who use the Smartr365 platform will soon be able to automatically submit decision in principle applications to three lenders through its latest API integration with Iress’ LenderConnect.
MFG AWARDS
Mortgage Finance Gazette Awards 2020 – the winners and why they won? 10th December 2019 Leave a comment1,727 Views
The Millennium Gloucester Hotel in London was the setting for an informal gathering to celebrate the Mortgage Finance Gazette Awards2020
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