27 November 2014

Retail Finance

Henry WoodcockIRESS - Cirencester

Will new technologies change mortgage lending in the UK?

05 September 2014  |  513 views  |  0  |  Recommends 0

Will new technologies change mortgage lending in the UK? Highlights from a recent survey indicates it is but slowly following the Mortgage Market Review regulation. Earlier this year, the UK mortgage market saw the culmination of many months of preparation as the new Mortgage Market Review (MMR) rules came into force in April. Against this backgrou...

GroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

MMR and Technology - Mutually exclusive?

04 July 2014  |  1821 views  |  0  |  Recommends 1

Earlier this year, FStech magazine looked at technology predictions for the year ahead. I’ve picked out three areas I believe to be very relevant to the UK mortgage market, in this year of the Mortgage Market Review: 2014: the year regulation gets serious Leveraging the benefits of electronic channels Improving customer service while reducing cost...

TagsRetail bankingInnovationGroupInnovation in Financial Services
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Henry WoodcockIRESS - Cirencester

Is wearable technology the new digital wallet?

24 March 2014  |  3023 views  |  1  |  Recommends 0

Is wearable technology the new digital wallet? A few months ago I joined the wearable technology community by purchasing the Pebble smartwatch, a darling of Kickstarter crowd funding, the Pebble rais...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

The 2013 Mortgage Market in 140 Characters or Less

20 December 2013  |  2558 views  |  0  |  Recommends 0

2013 has been a pivotal year in the mortgage market – final rules for MMR, new regulatory bodies with the PRA and FCA, house sales and mortgage sales starting to rise, a new Governor of the Bank of En...

TagsRisk & regulationGroupFinancial Services Regulation
Henry WoodcockIRESS - Cirencester

Where next the UK Mortgage Market?

27 September 2013  |  2516 views  |  0  |  Recommends 0

My recent study into the UK mortgage market has once again provided real insight into the sales and originations process and best practice. It also unearth lender sentiment as the market moves towards...

GroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Consumer Driven Innovation

20 June 2013  |  2960 views  |  0  |  Recommends 0

There’s a very public evolution in the mortgage market as it adapts to new regulatory requirements. At the same time, there is a very quiet revolution in business and consumer technology. Consumers ar...

TagsInnovationGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Ten Months of the Mortgage Market in 140 characters or less

21 December 2012  |  5223 views  |  0  |  Recommends 0

Ten Months of the Mortgage Market Social Media in 140 characters or less A selection of my tweets on the mortgage market over the last ten months - at last the market is recovering albeit slowly. Marc...

TagsRetail bankingGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

Increasing Efficiency in Mortgage Sales

07 December 2012  |  2427 views  |  0  |  Recommends 0

Twenty odd years ago when I started working in the mortgage industry, space for paper files was nearly as important as disk space to store mortgage applications. The industry has of course moved on si...

TagsRetail bankingGroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

The Banking Olympics : the winners are?

03 August 2012  |  4731 views  |  1  |  Recommends 0

In the Olympics, after years of training and dedication it seems that in the eyes of the media and the public, it all comes down to winning or losing. An individual may have achieved an outstanding pe...

GroupInnovation in Financial Services
Henry WoodcockIRESS - Cirencester

MMR : Interest Only : throwing out the baby with the . . .

27 June 2012  |  2907 views  |  0  |  Recommends 0

Interest only mortgages – the root of mortgage evil or a valid option for homebuyers? In recent months lenders have reacted pre-emptively to the proposed MMR interest only rules and restrictions by ei...

GroupFinancial Services Regulation
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