MIp3_0909.qxd 26/8/09 13:18 Page 3
September 2009
03
Tougher life?
Contents
Nia Williams, editor
J
ust like the rest of 2009, this last month has seen highs and lows as far as
the mortgage industry is concerned. One day all the news was very
positive. Mortgage lending was up according to most, if not all, of
4 News review
the bodies and companies publishing data; interest in buying was also up
5 Diary and appointments according to surveyors; and the economy saw signs of improvement.
6 Statistics Then the very next day, it was exactly the opposite. Everyone seemed to
A look at house price information
around the country
be saying it was all a false dawn and things were going to get worse –
8 Riding out the recession
unemployment, mortgage availability, repossessions and so on.
Bob Hunt considers how we can
Now only you, of course, know how the recession has hit you and your
ride out the latter stages of the
business but the one thing that is certain is that you will have been affect-
recession
10 Questions from hell
ed. However the fact that you are still in business shows that you are
All your regulatory queries
doing something right. As our feature on page 10 says, diversification is
answered key to riding out the recession. Our latest Mortgage Introducer Poll asked
13 Plan ahead the question: "As a broker which area do you think will generate the most
Why you should buy leads for
conversion over different time
revenue for you during 2010?" It should come as no surprise that 42% of
periods brokers who responded said that it would be from selling protection.
15 Online operations The full result of the poll was as follows:
With SEO you can make the most
of your web presence
42% Protection
16 The fraud squad
27% Mortgages
How to avoid fraudulent activity
13% Debt Solutions
18 A free lunch?
10% Pensions
Why there’s no such thing as a free
7% Equity Release
legal
1% Bridging Loans
19 Equity release news
Many experts now believe that we have hit rock bottom. I hope we
21 Vital signs
have and we’ll get a better idea over the next quarter and the beginning of
Develop a good relationship with 2010. Thanks to those of you who took time to take part in our poll and
the client
24
please continue to do so at
mortgageintroducer.com. I’ll continue to
Market monitor
Develop a good relationship with
share the results.
the client
Issue 14
26 Protection news
September 2009
ADVICE TO READERS
Information carried in Mortgage Introducer is checked
for accuracy, but we recommend that you make
29
Editor enquiries and, if necessary, take legal advice before
Commercial finance news Nia Williams, 0207 490 0693
entering into any transactions. Any views or opinions
33
expressed in this magazine are solely those of the author
Commercial finance diary
Nia@thepublishinggroup.co.uk and do not necessarily represent those of The Publishing
34 Buy-to-let
Ramesh Sharma, 0207 490 0719
Group Ltd.
All rights reserved in respect of all articles, drawings,
The issue of regulating buy-to-let
Ramesh@thepublishinggroup.co.uk
photographs etc published in Mortgage Introducer any-
where in the world. Reproduction or imitations of these
Printed in England by The Magazine Printing Company.
Online Manager & List Sales are expressly forbidden without permission of the pub-
Distributed by Norwood Mailing
36 Pursuit of knowledge
Marco Callegari, 0207 490 0703
lishers. Editorial contributions requiring an answer
should be accompanied by a stamped self-addressed
ifs School of Finance looks at the
Marco@thepublishinggroup.co.uk envelope. No responsibility can be taken for contribu-
Incorporating
‘Banking Crisis: regulation and
Subscriptions
tions lost or damaged in the post. Conditions of sale and
supervision’
supply: this periodical is sold subject to the following
Andrew Goldsmith, 0207 490 0622
conditions, namely that it shall not without the prior writ-
37 CeMAP revision
Andrew@thepublishinggroup.co.uk
ten consent of the publishers be lent, resold, hired out or
otherwise disposed of in a mutilated condition or in any
Sample questions to test your
Head of Production
unauthorised cover by way of trade or affixed to any
The text and cover papers used in this publication are
knowledge
advertising, literary or pictorial matter whatsoever. All
sourced from sustainable forest products and are fully
Melanie Jones, 020 8290 4999 advertising is subject to the terms of our current rate
recyclable.
melanie@mortgageintroducer.com
card.
The Publishing Group Limited, Davina House, Suite 305, 137-149 Goswell Road, London EC1V 7ET
Ndj XdjaY gZVX] dkZg &+!*%% bdgi\V\Z Wgd`Zgh _jhi
Wn VYkZgi^h^c\ ^c Bdgi\V\Z >cigdYjXZg#
;dg [jgi]Zg ^c[dgbVi^dc XdciVXi BVii 7dcY dc %'% ,).% %*-- dg ZbV^a
BVii5i]ZejWa^h]^c\\gdje#Xd#j` Ndj ldc�i WZ hdggn#
www.mortgageintroducer.com September 2009 Mortgage Introducer
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44