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 can catch up on our previous commentaries below.
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Dangers of Real Estate Owned (REO) portfolios in Catalonia
A new Law Decree was implemented on 27 March 2015 by the Generalitat de Catalonia, together with further rules set by the Law Decree 67/2015 dated 5 May 2015, which…
Regulatory challenges – are lenders truly ready?
As we come towards the end of another year, the focus, particularly in the mortgage industry, remains firmly on regulatory matters. Most lenders are in the final stages of testing…
Vulnerable customers and collections processes
Payment performance, particularly over the last couple of years, is a critical issue for acquirers of mortgage assets. In a continuing low interest rate environment it is essential that existing customers…
Regulatory Risk
More on the Mortgage Credit Directive from Rockstead. A timely warning from the Financial Conduct Authority (FCA) has been issued to both intermediaries and lenders highlighting the inherent dangers that…
Mortgage books are selling above par – based on what?
Figures released recently by the CML show gross lending in Q2 of 2015 at £52.2billion which is a welcome boost for the industry. The re-entry of investment banks and hedge…
Embedding the MMR; how well have firms done?
The FCA has released its first thematic review on key findings relating to the quality and suitability of mortgage advice provided by firms since the Mortgage Market Review (MMR) implementation…
The importance of monitoring complaints
Recent headlines surrounding the record £117m fine levied on Lloyds Banking Group for its failings and ‘unacceptable’ conduct in handling claims over payment protection insurance (PPI) is a warning to…
Securitisation and due diligence
The Joint Committee of the three European Supervisory Authorities has recently issued recommendations around disclosure requirements and obligations relating to due diligence and supervisory reporting within existing EU law on…
Mortgage Credit Directive
It is now a year since the implementation of the Mortgage Market Review (MMR) and whilst we can all point to instances where it appears to have given lenders a…
Post-acquisition services
Whether by collective or shared investment, creating an alignment of interest with the servicer is what detailed contracts or Joint Ventures aim to achieve when considering taking on Non-Performing Loan…
Audits can improve sales results
With so much attention now being focused on advised sales processes, particularly when applying for a product by phone via a call centre, a compliant audit procedure is essential. But…
The “rise and rise” of the Chief Data Officer
Any holder of mortgage portfolios will realise that correct and accurate data is one of their most valuable corporate assets. Compliance and regulatory initiatives continue to impose heavy burdens on…
Lenders Credit Appetite
The Bank of England recently published the results of its quarterly survey of credit conditions for Q4 2014. It shows some interesting responses from lenders as to what happened during…
Choosing a Servicer – an independent view
A key decision for any investor in the mortgage and loans sector is who to team up with to service their portfolios. This question is normally asked by the investment…
Solving the title deeds challenge
The recent activity in property portfolio trades in Ireland has highlighted the lack of attention given to the registering of title deeds by lenders during the boom and this has…
Growth in lending from new and existing players
Following on from last month’s update, it is encouraging to observe that the funding constraints and difficulties of the past few years appear to be rapidly disappearing. This is evidenced…
