Baxters Business Consultants are able to provide expert opinion in the following areas:

• Mortgages & remortgages
• Lending policies, underwriting, loan assessment
• Forensic analysis of past mortgage cases comparing the lending against lending policies and general practices at the time, for Claimants and Defendants.
• Analysis of specialist lending products and individual mortgage applications, including offset, self-certification, sub-prime, buy to let, 100% loan to value, home income plans, equity release loans, shared appreciation mortgages and enhanced income multiples.
• Contributory negligence analysis
• Professional negligence
• Lending negligence
• Arrears management and possession sales
• Endowment -v- Repayment
• Mortgages / mortgage sales practice
• Negligent mortgage advice and inappropriate use of mortgage repayment vehicles
• Payment protection insurance (PPI and MPPI) and single premium payment protection insurance
• Mortgage fraud (including forensic analysis of individual cases)
• Individual borrower disputes
• Unsecured lending
• Consumer credit & consumer loan disputes
• Consumer Credit Act and alleged unfair relationships
• Debt recovery / realisation

Nick Baxter has:

• Experience in acting as a Single Joint Expert
• Recent experience in giving oral expert evidence [Royal Courts of Justice London]
• Recent experience of giving concurrent expert evidence in the High Court [‘hot tubbing’]