Category: Blogs

It was a very busy January and not just for new business! Many lenders are looking for gaps in the market where they can make a significant difference and offer a product aimed at a type of customer, rather than the normal open market offerings available to all. Innovation may be the key for a […]

I am delighted to commence this week’s column with the fantastic news that AToM has received a national mortgage lender award! We have been awarded ‘Best Overall Mortgage Packager 2011’ by the lender GE Money Home Lending. It’s rare for lenders to issue awards, so this is really special and great recognition. We have a […]

Many of us will review car insurance, home insurance, gas and electricity suppliers tofind the best rate on the market. But it’s astounding how many people just leave their mortgage with their existing supplier. Most lenders look to attract new customers, but are less likely to offer attractive options to stay with them. This, in […]

A very Happy New Year to you all! Let’s hope 2012 brings us all something to be upbeat about! Although lending volumes are predicted to remain much the same as in 2011, I do predict that the mix will change slightly. We will see more specialist lenders offering products aimed at specific types of customers. […]

For my final article of 2011, I have to start with the obligatory round up: It’s been a year where we were supposedly out of recession but certainly not into fullrecovery! Business volumes remained constant throughout the year, yet the smaller Building societies/mutuals were, apparently, the only ones actively crying out for more! Bank of […]

There has been substantial mortgage activity happening across the country as we rolltowards the Christmas break and festivities. This is slightly unusual for this time of year, but then nothing surprises us any more in the current climate! I certainly shall not complain at being very busy! As mentioned last week, Abbey for Intermediaries (part […]

Trying to remain positive in a reasonably bleak market is tough at the best of times. However, not only are the national press hinting that rates are to increase, but the Bank of England are also getting in on the act!! This week, in it’s Financial Stability Report, the Bank has said wholesale funding (loans […]

Can you believe it’s December already? It’s been a busy few weeks at AToM towers. Consumers have been reviewing their finances and looking to secure a good deal in time for the Christmas break. Many are torn between a long term fixed rate and the temptation of a medium term tracker rate. The latter obviously […]

Over 70 exhibitors, including AToM, were in attendance at last week’s Mortgage trade event of the year – Mortgage Business EXPO 2011. More than 2,500 Mortgage Brokers, Independent Financial Advisers and Estate Agents visited over the two days to explore the products and offerings of the many Banks, Building Societies, Solicitors, Bridging and Commercial Funders […]

In October 2004, mortgages fell under the spell of the regulator, The Financial Services Authority. This was not a bad thing as it was becoming very clear at that time that certain areas of the mortgage market were not being patrolled properly and that some of the borrowing public may not, in turn, have been […]