Three things clients may call you about...

Return of the 'liars' loans' The prodigal son has returned. Self-certification mortgages, where borrowers declared an income but did not have to prove it with any documentation, will, from Monday, be back on the UK market (via a website that sells them out of the Czech Republic, according to the Sunday Times). The products were considered partly to blame for the credit crunch and were banned last year. Too many people took on debt they simply could not afford to repay. But with house prices sky rocketing, especially in London and the South East, clients eager to capitalise on the boom ...