assessment. Like many of its peers however it may have to wait until house prices are properly stabilised in 2012 before we are able to see its best work. Grade: B
J
L
leeds Has weathered a tough environment better than many of its building society peers and recent exclusives have caught the eye. Grade: B–
JuPP And JAnnels This year has felt like the return of the packagers with both Rob Jupp and Dale Jannels looking more active in the distribution market. Jupp and his new business Brightstar Financial are focusing on the specialist end of the market while Jannels has taken over All Types of Mortgages from his father Vic and is confident he will grow the business. It’s good to see a bit more movement in this part of the mortgage market. Grade: B
K
KensIngton Trying very hard in what is a tough sector given house price uncertainty. But is a bright and forward thinking member of the class which will definitely develop a bolder presence in the months ahead as class conditions improve. Grade: B
mortgAge trust Pleased to report a more confident approach from Paragon’s residential buy-to-let lending arm and by virtue of its mature and experienced pedigree it is beginning to take on more challenging work at a faster rate than some of its peers. Some underwriting policies remain a touch prescriptive. Grade: C+
M
mArKet hArborough Proof that size counts far less in this market and its common sense approach to underwriting and affordability measurements have made it a popular member of the class over the past 12 months. Grade: B –
nAtwest There are some inconsistencies in performance here which make grading difficult. A constructive approach to affordability measurements and a strong performance in the high loan to value space score very well for it. However the LiveTalk instant messenger phenomenon that means brokers “chat” online with sales teams has enjoyed mixed reports and is probably still a work in progress. Grade: B
O
N nAtIonwIde
Dual pricing is less of a bug bear now than it has been in the past. Nationwide continues to be a reliable and supportive member of the class though its little brother’s performance (see TMW below) is winning more class honours. Grade: C+
omnI cAPItAl
A welcome new face in the class which is always immaculately turned out and eager to please. Too early to provide a mid term grade so judgement will be reserved until later in the year. Grade: Pending
mortgage introducer JUNE 2011 33
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