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.

roulette table

Shifting the focus from cost to value

7 December, 2007

Recent Accenture research suggests that financial service organisations are now demanding that their outsourcing agreements should deliver across three dimensions – reducing cost, enhancing customer-centricity and boosting agility.

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

Guide to AVMs

Automated valuations driving pressure for same day mortgages

Guide to AVMs

Dave Wiseman, consultancy director at N4 Solutions, looks ahead to see how AVMs will develop with wider use to overcome many of their present limitations

Not just a valuation tool

Guide to AVMs

Automated valuation models (AVMs) are now an established and indispensable force within the mortgage industry, but already their use is evolving far beyond that of a valuation tool. David Catt, commercial director of Hometrack, the market-leading...



The latest on HIPs

Home Information Packs for all

22 November, 2007

Home information packs (HIPs) will be required for all properties being sold in England and Wales from 14 December, the government has announced.

Hips may curb investment

14 November, 2007

The extension of the government's home information pack (Hips) scheme could bring about a negative investment trend in the rental sector, the Residential Lettings Association has said



Technology update

pound coins

Shifting the focus from cost to value

December 2007

Recent Accenture research suggests that financial service organisations are now demanding that their outsourcing agreements should deliver across three dimensions – reducing cost, enhancing customer-centricity and boosting agility. Piyush...

floppy disks

Data gathering for AVMs

December 2007

In this current climate of an uncertain property market, how relevant are Automated Valuation Models? Alan Gearing explains how Rightmove’s AVM works and the importance of up-to-date data



Insurance

a cartoon eye

More to TI than meets the eye

November 2007

Lenders have been expressing an increased interest in title insurance in recent months as the US sub-prime crisis impacts on the UK mortgage market. Christian Bearman explains

Pound sign

Individual pricing based on risk

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. Nathan Williams...



The latest legal issues

danger sign

Let the lender beware

October 2007

Borrower default and third-party recoveries – lenders litigate at their peril. Confidence in the housing market is evaporating, and those on the fringes, lenders and borrowers alike, will be first to feel the pinch, says Nik Carle

house sat on money

Consumer Credit Act 2006 – concerns for mortgage lenders

May 2007

This spring marks the introduction of the first substantive reforms under the Consumer Credit Act 2006 and radically overhauls and updates many provisions of the Consumer Credit Act 1974. Phil Catchpole reviews the impact of these reforms...



Europe

stop sign

An end to the madness?

April 2007

The housing and mortgage market in the Republic of Ireland has boomed beyond recognition over the past decade. Anthony Garvey looks at how the market has escalated so much and why it might topple

globe

IUHF World Congress - a fantastic success

November 2006

Adrian Coles, secretary general of the International Union for Housing Finance (IUHF), reports on its World Congress, held this year in Vancouver, Canada