Our news stories can be in the form of e-shots, ‘white papers’ or social media commentary, but we will not comment on trivial matters – you will not see us mentioning on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries below.
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Interest only – has inertia set in?
We have commentated on this topic several times before and undoubtedly some progress has been made by lenders, but recently mortgage portfolio trades have contained large proportions of interest only…
Loan portfolio trades; the importance of Due Diligence
There has been some recovery in the trading of mortgage assets over the past five years, particularly in the non-performing sector. The improving trend has continued, and we have seen…
Vulnerable customers; how good are your policies?
With the New Year upon us, a high percentage of individuals and families are relying on borrowing money and extending credit to meet higher than normal outgoings incurred at Christmas…
Lending opportunities in Iberia
We have seen more activity in Iberia over the last 3 months than has been evident for some time. We can specifically see several niche opportunities within the lending origination…
Cup half full or half empty?
2017 has been another year where the financial services arena has continued to be subjected to more than its fair share of change and regulatory scrutiny. In the mortgage market,…
Are you learning from your complaints?
The Financial Conduct Authority has recently published data on the number of complaints reported by firms for the first half of 2017. A staggering total of 3.32 million complaints were…
Assessing affordability – The challenge for all lenders
The FCA has turned its attention to consumer credit lenders and peer to peer platforms with the spotlight on poor practice and culture when assessing affordability. It is an area…
Lending Risks Across Europe
Rockstead is recognised as a leading provider of lending support services in the UK and Ireland, but we have also been active across Europe, using local expertise to mitigate various…
Senior Managers and Certification Regime (SM & CR) – individual accountability
The extension of the SM&CR is on the horizon and having discussed the effect on firms in our previous note, we now explore the effect on individuals. The new regime…
Extension of the Senior Managers & Certification Regime
In October 2015, HM Treasury announced its intention to extend the Senior Managers and Certification Regime (SM&CR) beyond Banks and Building societies to all firms within the financial services industry.…
Interest-Only – still a challenge?
The FCA announced in its 2017/18 business plan that it will investigate lenders with interest-only mortgage books. The aim is to make sure customers are being treated fairly. The business…
Rockstead at Global ABS 2017 in Barcelona
Rockstead recently exhibited at Global ABS 2017 in Barcelona. We joined issuers, investors and other service providers in another successful annual ABS conference and took the opportunity to showcase our…
Meet Rockstead at Global ABS 2017
Rockstead will be exhibiting at Global ABS 2017 in Barcelona 6 – 8 June. If you are attending the event, please drop by our stand and say hello – we’d…
Lending into retirement: problem not solved
According to the Building Societies Association, the UK already has 11.6 million people over the age of 65 and predicts this will rise to 16 million within 20 years. The…
The Buy to Let market – sustainable growth?
Having recently attended a forum of experienced industry experts it was interesting to see what they perceived to be the major challenges facing the lending industry at the present time.…
Higher Income Multiples – Back to the “Noughties”?
In the ever-evolving financial services market, changes announced by the Prudential Regulation Authority could herald a change of strategy for some of the more traditional mortgage lenders. With capital adequacy…
