money in a wallet

Individual pricing based on risk

7 December, 2007

How do insurance companies come up with a price for insuring your clients’ properties? The short answer – for the more sophisticated players in today’s insurance market at least – is an approach known as risk-based pricing.

MFG awards logo

Celebrating the great and the good

6 December, 2007

The eighth annual Mortgage Finance Gazette Awards were celebrated at a special awards dinner on 7 November to celebrate the vast amount of talent within the mortgage lending industry

people having a discussion

Securitisation – the lender’s perspective from HML

5 November, 2007

Such was the media attention given to the Northern Rock debacle that it is easy to forget that the repercussions of the ‘credit crunch’ in the US had been felt much earlier, and that the liquidity problems encountered by the Newcastle-based...

Branch design

A customer in a bank branch

Branch of the future

August 2007

Technology can help to boost the customer experience within branches. Simon Jenkins looks at what’s in store

a pair of shoes

Put yourself in the customer’s shoes

August 2007

Ever wondered if visits to your organisation’s branches are as productive and influential as you might like? Sue Dougal offers two suggestions to try next time you go branch visiting



Commerical lending

@ sign

Technology enhances commercial loans industry

December 2007

Low yields, growing competition and the Basel II accord have provided a selling opportunity for IT vendors in the commercial lending sector, it would seem. William Comet reports.

IT and commercial loans

July 2007

Low yields, growing competition and the Basel II accord have provided a selling opportunity for IT vendors in the commercial lending sector, it would seem. William Comet reports



Contact centres

Integrating call management technology and CRM

March 2007

Bright Finance is using a live method of accessing and modifying data in its call centre to improve customer communications

Microphone

Sharing services – deal or no deal?

January 2007

The latest MFG Lunch Club was held at the Savoy, where a group of senior mortgage executives discussed innovation in the mortgage market. The event was sponsored by technology company Fiserv



Credit scoring

confidential folder

The gateway to credit information

July 2007

The relationship between lenders and credit reference agencies is increasingly important in today’s mortgage industry. Victoria Hartley looks at developments in the credit information sector

Learning

Financial skills for everyone

December 2006

Financial education is becoming increasingly important and, in recognition of this, the ifs School of Finance provides learning opportunities and qualifications for school children right up to senior executives. Phil Hall gives an insight...



e - learning



Equity release

man holding flower pots

Equity release – time to grow?

May 2007

New business volumes in the equity release market have fallen, but the introduction of regulation last month is expected to boost growth. Victoria Hartley reports

money

In Retirement Services launches outsourced equity release service

May 2006

HSBC is to trial the equity release market, not by offering the product itself, but by introducing its customers to In Retirement Services (IRS).



Identity fraud

Business woman on phone

Fighting ID fraud on the phone

November 2007

Brett Feldon explains how voice biometrics can help identify people on the telephone

Boxing debt

Identity fraud – a growth industry

November 2007

Caitlin Gomes examines the threat posed by one of Britain’s fastest growing crimes and considers the role of insurance in countering the actions of the fraudsters



Recruitment

Two business colleagues

Busy year ahead for new BSA chairman

September 2006

Matthew Bullock has stepped up as chairman of the Building Societies Association after enjoying the past year as deputy chairman. He has been at the helm of Norwich and Peterborough Building Society for seven years and as chief executive...

business people

Competition hots up for business and staff

May 2006

As more financial organisations move into non-conforming lending, it brings new challenges to both the business and recruitment of the right people. Mark Witcomb explores the issues



Regulation

Capital savings for Basel II lenders

January 2008

This is the first article in a two-part series looking at what’s happening now in terms of Basel II implementation and the expectations for capital relief. Next month, the follow-up article will examine what Basel means for mortgage lending...

house in chains

Is tighter regulation inevitable?

November 2007

The FSA is likely to get tougher on both regulation and risk assessment in the light of recent events in the financial markets. Rod Hepple-Wilson explores the issues



Third party administration/outsourcing

a shore

Rightshoring: the new offshoring

October 2007

Although much maligned, offshoring by financial service companies is expected to grow rapidly as firms relentlessly wrestle with the problem of service versus cost. Karen Beavis investigates

Has TPMA had its day?

October 2007

Mortgage outsourcing has not grown as much as expected, says Simon Kent. Here he gives an insight into the TPMA market



Investing in property

shopping bags

The year of the consumer

September 2006

Acquiring new customers has always been an important part of the marketing mix but increasingly marketing campaigns are concentrating on retaining existing customers and cross selling, as Jo Parker explains

Survey

From lender to borrower - the industry survey

July 2006

Jon Holt, head of the legal systems group at Eversheds, looks at the trends and issues which will impact on the industry during the third quarter of 2006 and highlights the views of the expert panel