Regulation of the mortgage sector after October this year could lead Aviva's surveying services company E.surv to do deals with networks such as Sesame or Inter-Alliance if lenders can be persuaded to relinquish some control over the valuation process.
Paul Latham, E.surv managing director, points to events in the 1980s as the reason why lenders maintain their grip over the process today as part of risk controls.
However, actual surveying is already being outsourced to a degree, and it could be the case that regulatory change enables different business models giving networks an expanded role in the mortgage market, Latham suggests
He also sees growing use of automated valuation model, AVM, services, which explains the stake the Aviva-backed firm has taken in Hometrack.
The latter offers a form of AVM in the UK market through tools, such as its online calculator enabling consumers to ascertain a current value of their property.
AVM accounts for some 10% of the US market, and should become more popular among mortgage brokers as they look to boost business efficiencies, E.surv believes.
By enabling introducers to decide at an earlier stage whether a property suits the lending criteria, it can cut down on the number of cases that proceed only to be rejected by lenders at a later stage in the process.
"The quantity is reduced, but the quality is increased," Latham says.
The company says its business, which already has a turnover of some £50m, would benefit hugely from legislation on so-called sellers packs.
"We calculate this would result in 1.75 million legislated inspections," Latham says.IFAonline
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