MIp3_1209:MI 2008 24/11/2009 16:12 Page 3
December 2009
03
Sigh of relief
Nia Williams, editor
Contents
4 News Review
5 Statistics
A look at house price information
around the country and what is W
ell I never thought I would be so happy to see the end of another
year. 2009 has to go down as one of the worst years in history –
and I was writing about mortgages in the late ‘80s/early ‘90s as
happening with mortgages
6
well. Never have I seen anything quite like the past couple of years. But
Questions from hell
All your regulatory queries
they are past and those of us fortunate to still be around and in business
answered
can look forward, with some justifiable optimism, to the future.
8 Diary
While we know 2010 isn’t going to be particularly great, I think 2009 was
10 Gambling on balancing the
the year we just had to get through. And when I was chairing the IMLA semi-
books
nar theatre programme on the second day of the Expo, I was encouraged by
The evolution of distribution and
what the future may hold
the number of advisers who were looking forward to 2010 and developing
13 Consumer confidence is
new business ideas.
key Our January issue is going to concentrate mainly on what various product
What the Mortgage Market Review
(MMR) means for lenders, brokers
providers think will happen to the market in 2010 – with a General Election
and consumers
on the horizon, their views will be interesting. But don’t forget another thing
14 Happy it’s over?
that will definitely crop up next year – the FSA’s Mortgage Market Review.
Woolwich’s David Finlay is hoping
As I said last month, you should have your say. The FSA has been holding a
for a boring 2010
16 Unenforceable claims
series of free roadshows around the country to hear your views and there are
Beware ‘get out of jail free’ cards,
still a couple left to go. All you need to do is go to its website and register your
says Eddie Goldsmith interest in attending. They will then contact you to let you know if you have
18
been successful. The roadshows are at:
Buy-to-let news
Financial Services Authority, London, on Friday 4 December
20 Equity release news
De Vere Oulton Hall, Leeds, on Thursday 3 December.
22 Punching above its weight?
You have until 30 January 2010 to give your views on the proposals. If you
Are HRPs and SRBs still getting are unsuccessful in attending a roadshow or can’t get to one, you can also give
mixed up?
24
your view through the online response form on the FSA’s website.
Market Monitor
Equity release performance in the
All that remains is for me to wish you a Happy Christmas from the
third quarter
Mortgage Introducer team, and here’s to a prosperous New Year.
26 Protection news
Issue 17
29 Protection information December 2009
ADVICE TO READERS
Information carried in Mortgage Introducer is checked
for accuracy, but we recommend that you make
31 Commercial finance news
Editor
enquiries and, if necessary, take legal advice before
entering into any transactions. Any views or opinions
34 The next twelve months…
Nia Williams,0207 490 0693 expressed in this magazine are solely those of the author
Nia@thepublishinggroup.co.uk
and do not necessarily represent those of The Publishing
NACFB plans for 2010 and future
Group Ltd.
benefits for members
All rights reserved in respect of all articles, drawings,
photographs etc published in Mortgage Introducer any-
36 Commercial Finance Advertising Manager
where in the world. Reproduction or imitations of these
Printed in England by The Magazine Printing Company.
Introducer Diary
are expressly forbidden without permission of the pub-
Distributed by Norwood Mailing
Matt Bond, 020 7490 0588
lishers. Editorial contributions requiring an answer
should be accompanied by a stamped self-addressed
Subscriptions
envelope. No responsibility can be taken for contribu-
Incorporating
37 CeMAP revision tions lost or damaged in the post. Conditions of sale and
Sample questions to test your
Andrew Goldsmith,0207 490 0622 supply: this periodical is sold subject to the following
knowledge
Andrew@thepublishinggroup.co.uk
conditions, namely that it shall not without the prior writ-
ten consent of the publishers be lent, resold, hired out or
Head of Production
otherwise disposed of in a mutilated condition or in any
Melanie Jones,020 8290 4999
unauthorised cover by way of trade or affixed to any
The text and cover papers used in this publication are
advertising, literary or pictorial matter whatsoever. All
sourced from sustainable forest products and are fully
melanie@mortgageintroducer.com advertising is subject to the terms of our current rate
recyclable.
card.
The Publishing Group Limited, Davina House, Suite 305, 137-149 Goswell Road, London EC1V 7ET
NdjXdjaYgZVX]dkZg&+!*%%bdgi\V\ZWgd`Zgh_jhi
WnVYkZgi^h^c\^cBdgi\V\Z>cigdYjXZg#
;dg[jgi]Zg^c[dgbVi^dcXdciVXiBVii7dcYdc%'%,).%%*--dgZbV^a
BVii5i]ZejWa^h]^c\\gdje#Xd#j`NdjldcÉiWZhdggn#
www.mortgageintroducer.com December 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