Areas of expertise
Residential mortgages
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Mortgages & remortgages
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Lending policies, underwriting, loan assessment
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Forensic analysis of past mortgage cases comparing the lending against lending policies and general practices at the time, for Claimants and Defendants.
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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.
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Contributory negligence analysis
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Professional negligence
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Lending negligence
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Arrears management and possession sales
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Interest only -v- repayment/capital and interest
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Buy to let ('b2l') lending, including portfolio lending and portfolio landlords
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Lending into retirement, including Shared Appreciation Mortgages ('SAM' loans) and Retirement Interest Only ('RIO' loans)
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Unsecured debt rolled into secured debt
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Mortgages / mortgage sales practice
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Negligent mortgage advice and inappropriate use of mortgage repayment vehicles
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Payment protection insurance (PPI and MPPI) and single premium payment protection insurance
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Mortgage fraud (including forensic analysis of individual cases)
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Individual borrower disputes
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Unsecured lending
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Commercial lending, where is 'exit route' is a residential property, including developer lending
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Consumer credit & consumer loan disputes
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Consumer Credit Act and alleged unfair relationships
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Debt recovery / realisation