This year has posed many challenges for the mortgage industry which it has risen to with admirable fortitude.
So we made it through the year. A year which saw the biggest changes in mortgage regulation since M-Day in 2004.
There are noticeable efforts among mortgage lenders of late to reach out to underserved parts of the market which have been neglected since the financial crisis extinguished any appetite for risk, perceived or real.
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Speaking at The Mortgage and Protection Event in Birmingham, Mortgage Advice Bureau's Gareth Herbert talked about how difficult advisers find picking up the phone to clients after a couple of years.
At last week's Legal & General Mortgage Club conference Martin Noone, managing director of the network, told members they needed to look beyond the sole advice model.
We've all heard the horror stories about obstructive lenders, nit-picking over cases since the Mortgage Market Review with a magnifying glass.
The National Australia Bank (NAB) may encounter difficulties if it opts to sell British banks it owns through an initial public offering (IPO) to the markets, industry experts have said.
The battle to reach volume lending targets and increase market share before the end of the year is seeing some lenders slash rates.
Labour's pre-election campaign has ranked help for the housing market high on its agenda.
With inflation at its lowest level since September 2009, and possibly set to fall further, the Bank of England is now under less pressure than previously to raise rates to curb prices.
The loan-to-income ratio was formally implemented on October 1. Following its announcement in June lenders were told to employ the spirit of the cap immediately.
HSBC will begin distributing mortgages through intermediaries from 6 October through Countrywide Mortgage Services.
It seems the government loves to recycle its '.. to buy' series and this time tenants have become the focal point of the scheme.
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