We provide market updates on important issues to key figures in the industry on different topics, but all related to our activities throughout Europe. We cover hot news stories and give our honest opinion on developments, threats and opportunities.
Our articles 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 commenting on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries by looking at the archive below.
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The importance of securitisations for challenger and non-bank lenders is well known and has been the subject of much of our commentary this year. There are number of sessions where the subject will be debated at this year’s Global ABS being held in London on 27 and 28 September 2021. We are exhibiting there – […]
Chief Risk Officers, and those with compliance oversight responsibilities, often use regulator consultation papers [‘CP’] as useful documents to plan for and get ahead of the game in respect of a regulator’s direction of travel. CP 10/21 is no exception, as it sets out the PRA’s future thinking on the implementation of the Basel standards […]
The recent positive news that a UK specialist lender has completed a £350m mortgage securitisation is a welcome fillip for the RMBS industry. In a further boost, a separate transaction of £425m from a different lender followed within days. We understand both transactions were oversubscribed across the tranches, allowing the lenders to price senior notes […]
While the Government’s Bounce Back Loan Scheme (‘BBLS’) and Coronavirus Business Interruption Loan Scheme (‘CBILS’) may have closed, they have been replaced by another loan scheme, also designed to provide financial support to UK businesses, named the Recovery Loan Scheme (‘RLS’). Like the previous schemes, the RLS is initially available through several lenders accredited by […]
Pre-funding reviews on new lenders or renewals of funding lines have evolved significantly since the global financial crisis (‘GFC’). The reviews were superficial and extremely light touch at that point in time.Back in the first half of the 2000s, funders believed that any failings in the processes of those they funded would be mitigated by […]
Variety is the spice of life – well that is certainly true in our world. It is often wrongly assumed that we solely provide due diligence reviews on traditional asset sales and purchases of bank/building society secured and unsecured loans, but nothing could be further from reality. Prudent businesses, including ourselves, regularly update their product […]
In a recent press release we announced that we had become fully registered on the FSQS supplier qualification system, managed by Hellios. FSQS is a community of leading financial institutions including banks, building societies, insurance companies and investment services, who collaborate with the primary objective of improving standards in the supplier industry. We are delighted […]
At the time of writing, despite the rumours of an extension being granted, there are around 5 weeks before the Stamp Duty holiday expires on 31 March. UK property transactions are often subject to delays and bottlenecks, but the risk of delay has never been so potentially expensive for consumers as a £400k purchase will […]
The importance of securitisations for challenger and non-bank lenders is well known and has been the subject of much of our commentary this year. There are number of sessions where the subject will be debated at this year’s Global ABS being held in London on 27 and 28 September 2021. We are exhibiting there – […]
