Three lines of defence
Although the ‘three lines of defence’ method of compliance management has been around for a…
Author Nick Baxter
Nick Baxter
Nick Baxter is a residential mortgage expert witness and iNED focusing on credit risk, consumer products/outcomes, governance, compliance and regulation.
Getting ready for the ‘senior managers regime’
The Prudential Regulation Authority [PRA] news update on 7 March 2016 appeared rather stark and…
Getting ready for buy to let regulation
A recent survey of mortgage brokers shows that eight out of ten fear buy to…
Interest Only – are a million homeowners “sleepwalking into disaster?”
Having pontificated on the relative merits (or not) of interest only mortgages on many occasions,…
Getting ready for Consumer Buy to Let [“CBLT”]
For many years there has been the perception that buy to let [“BTL”] mortgages are…
Mortgage fraud – watch out for ‘first party’ fraud as mortgage prisoners become more desperate
The recently released annual fraud report by Experian shows that, yet again, mortgage fraud topped…
Complaints- who wants them!
I have worked for many regulated firms. I have never felt that any of the…