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March 2009
03
Have your say
Contents
4 News review
5 Diary and appointments
6 Statistics
Products available; products
sold; and house price indices
Nia Williams, editor
10 Friend or foe?
Prosperity makes friends;
adversity tries them. What
support are you getting – or
not getting…
12 Lessons to be learned
T
he news this month has been all doom and gloom again, with
many of you complaining to me that lenders are being incredibly
unhelpful. This is a recurring theme so I thought it was time to do
ifs School of Finance looks at
something about it.
the Retail Distribution Review
13
I want to compile a dossier of actual case studies where lenders have
Questions from hell
All your mortgage and GI
gone out of their way not to help you. I will then personally deliver it to
market regulatory queries AMI, the CML and the Government. So, please send cases in to me by
answered
email or to the address below and I will compile the file and let you
14 PPI back in the headlines
A look at point-of-sale PPI and
know how I get on. People who need lenders’ help are not getting it so
consumer perception
let’s do something about it.
16 Difficult decisions
And that leads me on to potential help for you. We are going to put on
A review of mortgage
MI Masterclasses during 2009 but we want to know which areas you
distribution and how it can
open up opportunities
want help with. If you go to our website
mortgageintroducer.com there
18 Stay ahead of the game
is a survey which we are asking you to participate in to see which areas
How advisers can use you would like more information on. Please fill it in and we will do our
technology to stay ahead of the
best to cover those areas you choose. If you cannot see it on the website
game
20 Claims management
and haven’t been sent it already, please get in touch and I’ll email it to
The opportunities for mortgage
you.
advisers A positive note is that March is already upon us – we’re nearly a quar-
22 Great expectations ter of the way through 2009! Hopefully the Government’s new plans to
How brokers need to manage
their clients' expectations in
insure lenders’ bad debt will have some impact, along with Northern
the face of low – or no -
Rock coming back into the market. There will be more information
interest
about this over the next month so I’ll keep you updated. And don’t forget
25 The compliance challenge
to keep up-to-date with daily news by visiting our website mortgagein-
A look at how advisers can
protect themselves from FSA
troducer.com.
fines
26 Protection news
27 Keep in touch Issue 9 Head of Production
Help your customers by March 2009 Melanie Jones, 020 8290 4999
keeping in touch with their
melanie@mortgageintroducer.com
protection needs
Editor
29
Nia Williams, 0207 490 0693
ADVICE TO READERS
Equity release news
Information carried in Mortgage Introducer is checked
Nia@thepublishinggroup.co.uk
for accuracy, but we recommend that you make
30 Removing risks
enquiries and, if necessary, take legal advice before
Advertising Sales
entering into any transactions. Any views or opinions
The new Sale and Rent Back
expressed in this magazine are solely those of the author
Nichola Finlayson, 07764 184181 and do not necessarily represent those of The Publishing
legislation being fast-tracked
Group Ltd.
Nichola@thepublishinggroup.co.uk All rights reserved in respect of all articles, drawings,
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Distributed by Norwood Mailing
32 CeMAP revision
Ramesh Sharma, 0207 490 0719 where in the world. Reproduction or imitations of these
The text and cover papers used in this publication are
Ramesh@thepublishinggroup.co.uk
are expressly forbidden without permission of the pub-
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Sample questions
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Online Manager & List Sales
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Marco Callegari, 0207 490 0703
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Marco@thepublishinggroup.co.uk
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Subscriptions
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Don't forget to turn over for
Andrew Goldsmith, 0207 490 0622
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The Publishing Group Limited, Davina House, 137-149 Goswell Road, London EC1V 7ET
www.mortgageintroducer.com March 2009 Mortgage Introducer
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