Mortgage Solutions

This is the Mortgage Solutions weekly talk back page. Each week, we'll pick the best letters to the editor and online comments to the hottest stories to give you a flavour of what the industry is really thinking.

Mortgage Solutions

Aviva's director of distribution development Stephen Gay has been named as the new director general of AIFA, replacing Chris Cummings.

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The latest Mortgage Solutions poll has revealed eight out of ten brokers have suffered credit problems with their bank in the last 12 months.

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Legal & General has teamed up with Your Mortgage, the market leading consumer mortgage magazine, to give you the chance to win £10,000 worth of free advertising.

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The only way is up Yazz said in 1988 and the UK has certainly taken that message to heart for housing in the last 15 years or so, with every double digit annual house price increase trumpeted as a Good Thing.

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A European-wide Systemic Risk Board and three separate agencies will be set up to monitor securities, banks and insurance companies, but Britain has been assured the deal will not weaken its sovereignty.

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Time certainly flies. This week you may be blinking back the tears as you wave your little treasure off at the gates on his first day at school but just you wait. It won't be long before you've got tears in your eyes once again as he's asking for an astronomical amount of cash to put towards the deposit on a flat.

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The annual rate of property price rises in London has fallen from 21% in April to 16% in August, reported Knight Frank.

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Nationwide's chief economist, Martin Gahbauer, has called the house price falls of the last two months "not an unhealthy development". Do you think further declines in property prices will boost mortgage activity?

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RBS has announced a further 3,500 job cuts across England and Scotland in the firm’s technical and back office divisions.

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A survey suggests a third of social tenants could be made homeless and 90% of landlords in London and the South East will be affected by the upcoming changes in housing benefit legislation.

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Rising interest rates could lead to a surge of repossessions, with many people simply walking away from their homes rather than pay mortgages, Peter Hargreaves has claimed.

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Abbey for Intermediaries (AFI) is set to launch an exclusive two-year fix at 3.09% available up to 60% LTV.

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Coventry Building Society has completed its merger with Stroud & Swindon Building Society, in a deal that will migrate 200,000 customers and cut their mortgage interest rates.

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Yorkshire Building Society has reduced the rate of its first-time buyer mortgage to 5.59% after seeing a surge in demand for the product since June.

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Former Lehman Brothers CEO Dick Fuld believes the investment bank may have been able to survive if US authorities had given it the same assistance as its rivals.

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A cooling global economy and an impending austerity squeeze in Britain will make the Bank of England (BoE) wait well into next year before hiking interest rates, a poll of 60 economists suggests.

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House prices fell for the second consecutive month in August, by 0.9%, the first time prices have dropped for two months in a row since February 2009, according to Nationwide.

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Incisive Media today launches Adviserhound.com, the industry’s first financial find engine designed specifically to cater for the day-to-day business needs of financial advisers.

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The internet and comparison sites are seen as one of the biggest threats to business by 28% of brokers, according to Assurant Intermediary.

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Mortgage Solutions editor Victoria Hartley talks to Alison Beech.

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Politicians have always kept a keen eye on the housing and mortgage market, with good reason. Housing is a pretty fundamental human requirement, which sets mortgages aside from other financial services such as say, car insurance, which while necessary and worthwhile, is unlikely to stir up any base instincts and as such is probably not going to prove much motivation to potential voters.

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Blu Debt Management, in partnership with Paymentshield, is offering 18 debt management and insurance joint seminars for mortgage advisers and IFAs throughout the country.

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The mortgage industry has undergone sweeping changes in the last few years and the trade press is working hard to reflect that. Yet, without singling out titles, what could the trade press do better and what does it need to do to serve the industry more effectively?

Mortgage Solutions

The mortgage industry has undergone sweeping changes in the last few years and the trade press is working hard to reflect that. Yet, without singling out titles, what could the trade press do better and what does it need to do to serve the industry more effectively?

Mortgage Solutions

The mortgage industry has undergone sweeping changes in the last few years and the trade press is working hard to reflect that. Yet, without singling out titles, what could the trade press do better and what does it need to do to serve the industry more effectively?

Mortgage Solutions

The mortgage industry has undergone sweeping changes in the last few years and the trade press is working hard to reflect that. Yet, without singling out titles, what could the trade press do better and what does it need to do to serve the industry more effectively?

Mortgage Solutions

This coming Saturday, 4 September 2010, sixteen intrepid cyclists from the financial services industry will set out from Lowestoft, East Anglia on a trip that will take them from the most easterly point of England to the most westerly point of Ireland.

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Over the last 12 months tenant arrears have remained stable or fallen, according to 84% of landlords.

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The average detached family home has increased in value by £91 a day over the past year, more than any other type of property, according to Halifax.

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Over 1,500 mortgage schemes were introduced into the UK mortgage market in August indicating the biggest monthly increase in over 20 months, according to a monthly product survey from Mortgage Brain.

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The Mortgage Works (TMW) has extended its buy-to-let range to offer landlords greater choice and flexibility.

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New bank Aldermore said UK banks are using credit scoring as a "blunt tool" to turn away borrowers in their thousands.

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The number of internet searches for fixed rate mortgages rocketed by 888% in the three months from April to June 2010.

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Majority state-owned lender Northern Rock has confirmed its £99 application fee is now available for residential purchase and BTL customers.

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Homeowners who bought at the height of the boom in 2007 face four more years of negative equity before lack of supply of housing pushes prices up again, said the National Housing Federation.

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The number of borrowers is up although the size of mortgages requested is levelling off, according to Leadbay's managing director Grant Stevens

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Mortgage lending in July was little changed month-on-month and against the previous six month average at 48,722.

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Gross mortgage lending by mutuals grew 11% in July to £1.995bn, the highest monthly total so far this year, according to the BSA.