Areas of expertise

Residential mortgages

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
Interest only -v- repayment/capital and interest
Buy to let ('b2l') lending, including portfolio lending and portfolio landlords
Lending into retirement, including Shared Appreciation Mortgages ('SAM' loans) and Retirement Interest Only ('RIO' loans)
Unsecured debt rolled into secured debt
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
Commercial lending, where is 'exit route' is a residential property, including developer lending
Consumer credit & consumer loan disputes
Consumer Credit Act and alleged unfair relationships
Debt recovery / realisation