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Bank of England using computer models to predict Buy-to-Let housing market effect

Newsbite,
Contact:
robert thickett,
Last updated:
01 December 2016

It’s no exaggeration to say that buy-to-let has fallen out of favour with both politicians and regulators.   Warnings from the Financial Policy Committee (FPC) about the risk buy-to-let landlords could pose to the wider housing market manifested in major taxation changes l...

Could a 20-minute house purchase ever become a reality?

Newsbite,
Contact:
robert thickett,
Last updated:
28 April 2016

A recent report from management consultancy Oliver Wyman on modular financial services included a two-page comic book depicting what buying a house in the future might look like.     The comic depicts a woman walking into an estate agency looking for a one-bedroom flat. ...

Consistency on housing policy is essential

Newsbite,
Contact:
robert thickett,
Last updated:
26 January 2017

The National Audit Office’s recent stock take of England’s housing landscape provided further evidence (for anyone still requiring it) why the Government badly needs to get a handle on country’s housing crisis. With 227,000 additional households predicted to be formed each...

Could a 20-minute house purchase ever become a reality?

Contact:
robert thickett,
Last updated:
29 April 2016

A recent report from management consultancy Oliver Wyman on modular financial services included a two-page comic book depicting what buying a house in the future might look like.     The comic depicts a woman walking into an estate agency looking for a one-bedroom flat. ...

Within a short number of years Fintech has fast become the ‘catch-all term’ to describe any new technology or organisation with the potential to disrupt traditional financial services. It encompasses everything from contactless payments and start-up banks to, artificial intel...

Manifestos show parties thinking creatively to tackle housing crisis

Contact:
robert thickett,
Last updated:
25 May 2017

With the General Election in full swing, it has been good to see not just that housing has been a key area of all the main political parties' manifestos, but that they have all been thinking creatively about how to tackle the problem. Given the recent flurry of cross party r...

Is it time to take another look at the Land Value Tax?

Contact:
robert thickett,
Last updated:
02 June 2017

The tricky question of how to tax land has long vexed politicians and economists. There has long been the idea that a Land Value Tax is for the benefit of communities, but the downsides to its introduction have long deterred Governments from taking any action. But with the ...

Opportunity or Threat? Three fintechs talk building societies & Open Banking

Contact:
robert thickett,
Last updated:
12 October 2018

Ahead of the BSA's first Digital Mutual event , three fintechs talk about building societies adapting to Open Banking. These days, whether you are talking about mortgage lending, financial advice or savings, it’s practically impossible not to get onto the subject of digit...

BSA event showcases major investment in branches and communities

Contact:
robert thickett,
Last updated:
18 September 2019

Branch transformation, the future of the high street and focused charitable investment were the three main topics of discussion at the BSA’s Reinvigorating Communities event on 9 September. This followed the BSA’s research earlier in the year, which emphasised the buildi...

The digital mutual: three fintechs looking to innovate financial services

Contact:
robert thickett,
Last updated:
13 December 2018

The BSA recently held its first dedicated event on digital innovation: The Digital Mutual. Over 90 delegates attended, with over half of building societies fielding representatives. The Digital Mutual was the culmination of the BSA's work over the last year to engage with ...

Pioneering mutuals early adopters of Open Banking

Contact:
robert thickett,
Last updated:
11 December 2019

Originally published in Society Matters magazine Since Open Banking launched in 2018 giving consumers control over their own data, there has been a mountain to climb in terms of the technical implementation to make it a reality. However, building societies and credit uni...

Will fintech transform UK financial services in the next 10 years?

Contact:
robert thickett,
Last updated:
21 February 2020

Unless you’ve got a crystal ball or some potent tea leaves, predicting the future is never easy.  As Bill Gates put it in his classic phrase, most people “overestimate the change that will occur in the next two years and underestimate the change that will occur in the next t...

Coaching the young to save via an app

Contact:
robert thickett,
Last updated:
15 July 2020

Case studies showcasing how members are innovating within their organisations was set to be a key part of the BSA’s Digital Mutual at the postponed Annual Conference in May. Instead of the event and given the huge amount of innovation going on in our sector, despite the mark...

Bank of England requirements for a loan-level data collection for buy-to-let

Page,
Contact:
robert thickett,
Last updated:
10 June 2016

At the end of April 2016 the Bank of England published its proposals for a loan level data collection for buy-to-let. The aim is to capture 99% of the buy-to-let market, with every lender completing in excess of £20m of new buy-to-let lending per annum to be caught by the req...

Our response to the PRA's Buy-to-let underwriting standards consultation

Page,
Contact:
robert thickett,
Last updated:
29 June 2016

The Prudential Regulation Authority's (PRA) consultation on Buy-to-let underwriting standards closed on 29 June 2016. The consultation's main focus was on introducing minimum standards for affordability on buy-to-let underwriting and in particular that buy-to-let borrowers wit...