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Today, 7.55 am No, But I have one on my desk right now to put in with Kensington. My understanding is that credit broking permissions are only required for GI business, or insurance business where a client will pay interest on the DD set up etc, I didn't think it had anything to do with debt con on secured le...
Yesterday, 11.13 pm Thanks for the replies.  Ronnie - have you carried out any debt con work since going DA? Could this be a case of they would check you had the ‘appropriate’ permissions as and when a debt con case is submitted? I expected/hoped there would be a list somewhere of all the lenders and...
Yesterday, 10.47 pm I’ve recently gone DA, don’t have these permissions and had no issues at all with lenders. 
Yesterday, 9.24 pm Well if I ever need someone to arrange a mortgage for me, I know how I can reduce the choice by one. 
Yesterday, 9.02 pm Why do you think it's not a mortgage?  The clue is kind of in the title   Guarantors are a grey area as they don't show on credit files
Yesterday, 5.37 pm Yes, will appear as a debt/mortgage in the usual way. 
Yesterday, 4.47 pm Yes thanks. Very quiet playing a lot of golf! Not getting any better!
Yesterday, 4.46 pm The honest answer is 90% of the time isn't not needed, and 10% of the time it will be - but you will never know when it is needed!!   IIRC - and I might be totally misremembering - it might be due to BTL and Consumer BTL's which are not covered by the normal Consumer Credit Rules or s...
Yesterday, 4.25 pm Article 4 only effected Small HMO's.... Larger (and IIRC, 7 bedrooms is considered large)  - and so it 7 years is a long time to ignore the law (unles your a said MP etc).   Usually, unlicensed HMO's on all those TV programs are usually not nice places to live???
Yesterday, 4.22 pm Well, unless Nicks client is a Senior Politican.... they have to follow the rules!!!   (Stamp Duty, Council Tax or Voting Rights..... nah I am an MP (or Green Party Co-Leader) I can ignore it all.... :) )   

Latest from the Provider/Adviser forums

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Today, 7.47 am Hi everyone—I’m Cari, founder of Finventro. After 25 years in financial-services marketing, I’ve created a practical marketing toolkit for smaller, relationship-led firms. To help me learn what advisers genuinely need, I’m offering three Cherry firms a free mini marketing se...
Yesterday, 5.05 pm Hi everyone — I’m thrilled to be here! After 25 years in marketing at HSBC and Citi, I’ve just launched Finventro. I’m looking forward to sharing what I’ve learned and seeing how I can help firms in the Cherry community. To get things started, I’d love to work...
Yesterday, 2.13 pm New fixed-rate bonds offer organisations a guaranteed return while supporting a local mutual committed to the communities it serves Vernon Building Society is inviting charities and businesses to place their surplus funds with a local mutual that combines a reliable, fixed return with a clear commi...
Yesterday, 12.53 pm Of course we can. Will be over by Christmas - if not before (although will be after the Mid Terms)!!! Copper Bottom Guarnatee that is!!!    
Yesterday, 12.51 pm Surely we can trust Trump when he says the war will be over soon and rates will plummet🤣 
Yesterday, 11.08 am Alas, why do I get the decision a small increase now would have avoided a larger increase later?   Yes - Inflation is a Global Issue - but if the US and Europe puts up rates and we don't, I think overall that will be a net drain on our Economy?
Yesterday, 10.05 am Katrina Lamont, Director of Legal Operations at Eden Conveyancing “The Bank of England’s decision to hold Bank Rate at 3.75% provides some short-term stability, but buyers shouldn’t assume mortgage rates or affordability will remain unchanged. Lenders consider a range of factors w...
Yesterday, 9.36 am 18 September, 2026 — Finventro has launched downloadable marketing software to help smaller financial advice firms turn their expertise into professional marketing, with a one-time purchase and no subscription. The software is available to download immediately upon purchase, so firms can start...
Yesterday, 9.32 am Kroo Bank urges banking customers to be vigilant against scammers posing as Hollywood celebrities, after a spate of recent cases. Scammers posing as famous Hollywood actors, such as Keanu Reeves and Johnny Depp, have defrauded victims online and via messaging platforms. Once they establish trust an...
Yesterday, 9.29 am Recognise Bank has completed a £2.025m bridging loan to refinance existing debt secured against a prime residential development site in Hertfordshire, completing the deal within two weeks of the initial enquiry. The 12-month facility was provided at 60% LTV to an experienced property develope...

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