The Proposed EU Directive on Credit Agreements Relating to Residential Property – A Bad Deal for Consumers?

There is the potential for the proposed EU Directive on Credit Agreements Relating to Residential Property to stifle the private rental sector, limit the availability and accessibility of advice, reduce the amount of information provided to consumers as part of the pre-contractual disclosure, and increase some costs for lenders.  In its current form, can it benefit consumers?

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Self Build

In theory, building your own home is a fantastic idea. You can build your ‘forever home’, in the location you choose, using your own specifications and at a reasonable price to boot. What’s not to love? But the upshot is that it takes a very committed person to get through the scoping and planning phase and actually build their own home….

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Is open-ended forbearance always in consumers' best interests?

We are all aware of the spotlight that has been focussed on lenders and the forbearance they have offered to customers, particularly over the last two years.

But under pressure from Government, regulators, and consumer groups, did lenders just forbear at any cost and are we about to see the effects of irresponsible forbearance?

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Comment Piece

This month, Sharon Chapman – Policy Adviser, BSA Mortgage Policy Team - gives us her views on:

Buy to Let, and its importance to the housing market and the wider economy.

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Paul Broadhead completes Edinburgh Marathon

Congratulations are in order this month, for Paul Broadhead, Head of Mortgage Policy at the BSA, who completed his first marathon, whilst raising a huge £1,100 for Bowel Cancer research.

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