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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...

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...

CLG Committee inquiry into National Planning Policy consultation

Industry response,
Contact:
robert thickett,
Last updated:
04 February 2016

The Building Societies Association's response to the Community and Local Government Committee's inquiry into the Department for Community and Local Government's (DCLG) National Planning Policy consultation. To read the document click here .

Higher SDLT for additional properties

Industry response,
Contact:
robert thickett,
Last updated:
04 February 2016

The Building Societies Association’s (BSA) response to the Treasury's consultation on Higher rates of Stamp Duty Land Tax (SDLT) on purchases of additional residential properties. To read the document click here .  

Response to HMT draft innovation plan for financial services

Industry response,
Contact:
robert thickett,
Last updated:
09 May 2016

HM Treasury published a consultation looking at how the Treasury, Bank of England, Prudential Regualtion Authority and Financial Conduct Authority are looking to promote innovation. In the BSA's response (marked confidential), we pointed out that regulation remained the bigges...

HM Treasury consultation on the Financial Policy Committee’s housing policy tools

Industry response,
Contact:
robert thickett,
Last updated:
11 December 2014

This is the BSA's response to the consultation published on 30 October by HM Treasury (HMT) into granting the Financial Policy Committee (FPC) powers of direction over Loan to Value (LTV) and Debt to Income (DTI) in respect of owner occupied mortgages.   Executiv...

Response to DCLG's Starter Homes Regulations technical consultation

Industry response,
Contact:
robert thickett,
Last updated:
17 May 2016

The BSA's response to the Starter Homes Regulations: technical consultation can be found here . In addition to concerns raised about the impact the scheme could have on other forms of affordable housing, our main point was around how the 20% discount should be operated. In...

BSA response to 2017 Housing White Paper

Industry response,
Contact:
robert thickett,
Last updated:
02 May 2017

The Government published on 7 February 2017 its Housing White Paper, Fixing the Broken Housing Market . The paper assessed the continued lack of supply in the housing market and what measures could be made to address the problem. The BSA welcomed the Government's shift away ...

BSA response to DCLG call for evidence on improving the home buying and selling process

Industry response,
Contact:
robert thickett,
Last updated:
20 December 2017

The BSA has responded to the Department for Communities and Local Government's (DCLG) Call for Evidence on Improving the Home Buying and Selling Process. Our main comments are as follows: A Decision in Principle is already a key part of the home buying process We welcome a...

BSA response to BIS 7 day switching call for evidence

Industry response,
Contact:
robert thickett,
Last updated:
24 June 2016

The BSA has responded to the Department for Innovation and Skills (BIS) call for evidence on improving the consumer landscape and quicker switching. This call for evidence is further to a call for evidence BIS published in October 2015 setting out 6 switching principles. B...

Long Term Safety Nets to Protect Mortgage Borrowers

Industry publication,
Contact:
robert thickett,
Last updated:
19 September 2011

In November 2010, we launched a report by John Howard into Long Term Safety Nets to Protect Mortgage Borrowers which examines the economic environment which has caused many homeowners to fall behind in mortgage payments; the help available to those struggling to meet payments...

BSA Response to FCA Consultation CP15/3 -BTL Mortgages, Implementing MCD

Industry response,
Contact:
robert thickett,
Last updated:
19 March 2015

BSA Response  to FCA consultation  CP15/3 Buy-to-let mortgages, Implementing MCD

BSA response to chapter 4, FCA Quarterly Consultation CP15/19*

Industry response,
Contact:
robert thickett,
Last updated:
03 July 2015

The FCA have used their quarterly consultation paper to make minor MCOB and TC amendments relating to the implementation of the MCD. Our full response can be found below. BSA response CP15/19