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As the USA (still by far the world's largest economy) emerges from recession with consistent good economic data, we should be set-fair for improving conditions.
The Great Mortgage War of 2012 had seized many of my troops.
Mortgage advisers have become remarkably successful at selling protection products, to the extent that mortgage advisers now reputedly sell a higher amount of protection than IFAs.
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Now we're properly into the spring it reminds me that this is a time when people often contemplate making a new start.
The media continues to be full of fraud stories and this is unlikely to change. anytime soon.
Following the FSA's Mortgage Market Review, certain rules have been proposed for the mortgage market.
Get one while you can - before interest-only mortgages head the same way as the Dodo.
The FSA has been warning the industry for some time on their concern over the use of bridging loan products.
Since the start of 2012, progress has continued within the European Parliament and Council on the European Mortgages Directive, albeit seemingly at a snail’s pace.
Transitional, the word, means "the passage from one state to another", but the current "transitional arrangements" proposed by the FSA in the MMR Consultation Paper seem much more likely to leave consumers exactly where they are.
Our old friend dual pricing is back and seems to be around again for the foreseeable future.
The saying is there are ‘lies, damned lies and statistics,' however anyone reviewing some of the latest data to come out of the FSA on falling advisory firm numbers will, I believe, find the ‘whole truth and nothing but the truth'.
The shockwaves of the PPI mis-selling scandal involving banks and loan companies are still being felt by the industry.
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Reasons to be Cheerful
It's not all doom and gloom out there in the mortgage industry, so click here for a dose of cheer.
Advisers at risk from ‘no-money-down' buy to let deals - expert
How top 'referral getters’ do it
More networks contemplate Abbey fast-track exit
Only 400 homes reserved through NewBuy scheme
FSA approves first regulated residential property fund