Opinion

It would be beyond cliche (not to mention pointing out the scientifically bleeding obvious) to state...

The lending community is at last re-awakening to the fact that intermediary distribution is a valuable service, with the realisation also dawning on the remaining minority of borrowers not currently using a broker.

The introduction of Home Information Packs (HIPs) has caused a great deal of upheaval for everyone involved in the home buying process and there are still a number of issues to be resolved.

One might expect appointed representatives (AR's) of networks to be in better shape than directly authorised (DA) advisors when it comes to compliance.