by admin | Mar 10, 2020 | Blog, Business, Economy, Finance, Small Business Blog
For any loan or mortgage to work, Risk Control should be at the forefront from the off. I’ve said before, lenders measure risk – so how can borrowers do the same to achieve a successful outcome? I am an advocate (no surprise) of someone being equipped with...
by admin | Jul 4, 2014 | Blog, Business, Business Finance Junction, Business Notes, Economy, Finance, Monthly Musings, News, Newsletter, Noteworthy News, Small Business Blog
The FPC (Financial Policy Committee) has proposed new rules for mortgage lenders which caps loan-to-income ratios and includes interest rate stress tests. Lenders will not be able to have more than 15% of new mortgages at loan-to-income above 4.5 times and it applies...
by Step-Up Finance (Business) | Mar 19, 2009 | Blog, Finance, Market Update
Financial Institutions’ ‘Stress Test’ is unlike a test of stress for the majority of us. Credit Scoring, central to the lending process, can be a test of stress for us all. It can be stressful for Financial Institutions finding, altering and adapting credit scoring...
