Independent review and analysis


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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  • ‘Buy now, pay later’ market is an FCA target

    October 27, 2020

    Followers of FCA regulatory trends know that what appears in a consultation today is likely to become the rule tomorrow – or at least remarkably close. This shows the detailed thought process and analysis the FCA carries out before going public. The same can be said for information contained in FCA annual reports or outlooks. […]

  • CBILS rule breaches under the spotlight

    September 16, 2020

    The timing may seem a bit strange, but the focus, as the scheme is about to come to an end, has been redirected to the issue of compliance. We suggest this should have been done earlier in the process. The early focus of CBILS funders and lenders was the quick processing of loans to assist […]

  • Risk mitigation in funding later life lending

    August 27, 2020

    Later life and ‘last time’ buyer lending is a product area where growth rates are outstripping traditional lending. Some commentators are genuinely surprised at the growth and innovation over the last 6 months But looking at the drivers, it is not surprising to see why. Many lenders are looking to develop product ranges away from […]

  • The RMBS market is alive and kicking

    July 15, 2020

    It also reinforces the continued support for specialist or non-bank mortgage lenders, particularly from global pension funds and debt investors when a number of them are understandably unhappy about the recent lack of central bank funding support. Investors in UK based RMBS have, over the last decade or so, become more confident in the underlying […]

  • 64 million reasons to reduce call handling risk

    June 18, 2020

    A regular theme in conversations with our clients, both Rockstead and Yabber’s, is the true cost of non-compliance. We make no excuse for banging on about it – too often we learn that the first functions to be axed as part of a cost-cutting exercise are risk and compliance. Firms who focus on such programmes […]

  • Payment holidays – the risks for lenders

    May 26, 2020

    With the announcement that the payment holiday scheme is being extended for a further 3 months, with 1.8 million borrowers already having taken that option, it is now clear that number will increase significantly. We estimate that up to 30% of borrowers will take at least a 3 month payment break, as some that did […]

  • Customer calls – today’s challenges

    April 23, 2020

    Our clients have identified three major issues right now: Increased volumes without proper resources in place Our solution Staffing Services Staff working from home receiving and making calls Our solution Yabber Remote Quality control and compliance teams working remotely as well Our solution Yabber Managed Service We are still open and here to help you […]

  • Working From Home – the need for enhanced call compliance

    April 16, 2020

    Volumes of calls into contact centres are reported to have increased 700% across a number of industries, but particularly in the mortgage sector where lenders have seen requests for payment holidays climb dramatically. One lender reports that it has already seen requests for postponement of payment from around 20% of its mortgage customers. It is […]

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