Will Basel 3.1 impact on the availability of niche lending products?
There has been a lot of recent trade press coverage in respect of Basel 3.1,…
Author Nick Baxter
Nick Baxter
Partner - Baxters Business Consultants - a business consultancy undertaking marketing, training, freelance journalism and expert witness services to the residential mortgage lending, building society and financial service industry (April 1993 to date) - www.baxtersbc.co.uk.
How is the mortgage charter working for consumers?
Just over a year ago the Chancellor of the Exchequer announced, with much fanfare, a…
Will mortgage prisoners be saved by the FCA ‘closed book’ Consumer Duty rules?
We have heard about the plight of mortgage prisoners for well over a decade now. …
The unintended consequence of long term repayment loans
Anyone involved in the residential mortgage industry will not have missed the steady, and now…
FOS complaints see a worrying uptick
Only a week ago the Financial Ombudsman Service released its data for the quarter April…
Bank of England raise ‘credit risk’ concerns
David Bailey, BoE Executive Director for UK Deposit Takers Supervision and responsible for the supervision…
Can the mortgage market avoid another category of mortgage prisoners?
The law of unintended consequences is looming its ugly head again. When the Chief Executive…
Consumer Duty – time for mortgage practitioners to focus on consumer outcomes
There has been a lot written about the FCA’s, current, hot topic – Consumer Duty. …
Let’s worry for mortgage borrowers not on a fixed rate – what can/should financial advisers be doing?
Having written, last quarter, about the FCA Dear CEO Letter titled “The rising cost of…
FCA requirements – Supporting mortgage customers in financial difficulty
In my last column I focused on the FCA’s Dear CEO letter to Retail Mortgage…