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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  • Pre-funding reviews by Rockstead

    May 24, 2021

    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 […]

  • Asset reviews – the world has changed

    April 29, 2021

    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 […]

  • Rockstead gains quality assurance recognition

    March 23, 2021

    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 […]

  • Stamp duty holiday – lenders under pressure

    February 22, 2021

    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 […]

  • Fraud risks in COVID loan schemes

    February 2, 2021

    When a senior officer from the National Crime Agency warns MPs about the substantial amount of fraud within the emergency loan schemes you know there is a problem.  With £43bn of government backed loans being provided to 1.4 million firms in a very short space of time, we should not be surprised.  At the same […]

  • FCA approach to supervision

    December 14, 2020

    The FCA approach to supervision is not new having been put in place 18 months ago, but it has now further tightened the regulatory ratchet for lenders and others with Dear CEO/Board of Directors letters to the different types of businesses it has identified. The FCA groups firms into portfolios (dare we suggest individual bubbles?) […]

  • Lifetime mortgage providers under the regulatory spotlight

    November 20, 2020

    Regulatory guidance lands on lenders’ desks in a variety of formats; guidance notes, consultation documents, policy updates, notifications of regulatory fines, Dear CEO letters and, on occasions (in respect of key concerns) letters addressed to the whole Board of Directors.  The latter should currently be a focus of Lifetime Mortgage Providers’ Boards as they received […]

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