<br />
Mor tgage Fraud Special Focus<br />
Finance<br />
Keeping up with the complexities<br />
of mortgage fraud<br />
Debt<br />
<br />
Gazette<br />
Struggling borrowers and<br />
implications for the mortgage market<br />
Equity release<br />
The Dilnot Commission Report<br />
the voice of the industry since 1869<br />
www.mortgagefinancegazette.com<br />
September 2011  £5<br />
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Six lenders provide<br />
four out of five mortgages<br />
<br /> <a title="Mortgage Finance Gazette - September page 1" href="http://viewer.zmags.com/publication/91ffab79?page=1">Mor tgage Fraud Special FocusFinance </a> Mor tgage Fraud Special FocusFinance <a title="Mortgage Finance Gazette - September page 2" href="http://viewer.zmags.com/publication/91ffab79?page=2">Fraud can be ju st a signature away.Mortga</a> Fraud can be ju st a signature away.Mortga<a title="Mortgage Finance Gazette - September page 3" href="http://viewer.zmags.com/publication/91ffab79?page=3">ContentsMortgage F nance GazetteAugust 2011</a> ContentsMortgage F nance GazetteAugust 2011<a title="Mortgage Finance Gazette - September page 4" href="http://viewer.zmags.com/publication/91ffab79?page=4"> </a> <a title="Mortgage Finance Gazette - September page 5" href="http://viewer.zmags.com/publication/91ffab79?page=5">CommentMortgageFinanceGazetteISSN 0964-7988S</a> CommentMortgageFinanceGazetteISSN 0964-7988S<a title="Mortgage Finance Gazette - September page 6" href="http://viewer.zmags.com/publication/91ffab79?page=6">NewsTop six lenders dominate mortgage market </a> NewsTop six lenders dominate mortgage market <a title="Mortgage Finance Gazette - September page 7" href="http://viewer.zmags.com/publication/91ffab79?page=7">Building the perfectlending solution hasnever b</a> Building the perfectlending solution hasnever b<a title="Mortgage Finance Gazette - September page 8" href="http://viewer.zmags.com/publication/91ffab79?page=8">NewsAverage borrower's LTV is less than 60 per c</a> NewsAverage borrower's LTV is less than 60 per c<a title="Mortgage Finance Gazette - September page 9" href="http://viewer.zmags.com/publication/91ffab79?page=9">Noneedto search.When it comes to legal property</a> Noneedto search.When it comes to legal property<a title="Mortgage Finance Gazette - September page 10" href="http://viewer.zmags.com/publication/91ffab79?page=10">NewsEuropean RMBS issuance up 20 per cent e Eu</a> NewsEuropean RMBS issuance up 20 per cent e Eu<a title="Mortgage Finance Gazette - September page 11" href="http://viewer.zmags.com/publication/91ffab79?page=11">Call us to see how you canalso benefit from:• L</a> Call us to see how you canalso benefit from:• L<a title="Mortgage Finance Gazette - September page 12" href="http://viewer.zmags.com/publication/91ffab79?page=12">NewsLloyds TSB International Mortgages keen for </a> NewsLloyds TSB International Mortgages keen for <a title="Mortgage Finance Gazette - September page 13" href="http://viewer.zmags.com/publication/91ffab79?page=13">Interest onlyDogs Rule in Metro Bank and Kennel </a> Interest onlyDogs Rule in Metro Bank and Kennel <a title="Mortgage Finance Gazette - September page 14" href="http://viewer.zmags.com/publication/91ffab79?page=14">TechnologyIT FOCUSHolistic IT outsourcing By D</a> TechnologyIT FOCUSHolistic IT outsourcing By D<a title="Mortgage Finance Gazette - September page 15" href="http://viewer.zmags.com/publication/91ffab79?page=15">The Platform of Choice for Origination and Servic</a> The Platform of Choice for Origination and Servic<a title="Mortgage Finance Gazette - September page 16" href="http://viewer.zmags.com/publication/91ffab79?page=16">TechnologyMARKET OBSERVATIONSFraud - review and</a> TechnologyMARKET OBSERVATIONSFraud - review and<a title="Mortgage Finance Gazette - September page 17" href="http://viewer.zmags.com/publication/91ffab79?page=17"></a> <a title="Mortgage Finance Gazette - September page 18" href="http://viewer.zmags.com/publication/91ffab79?page=18">InsuranceHousehold leaks cost insurers £2m a day</a> InsuranceHousehold leaks cost insurers £2m a day<a title="Mortgage Finance Gazette - September page 19" href="http://viewer.zmags.com/publication/91ffab79?page=19">InsuranceInsurance fraud up by 9 per centInsure</a> InsuranceInsurance fraud up by 9 per centInsure<a title="Mortgage Finance Gazette - September page 20" href="http://viewer.zmags.com/publication/91ffab79?page=20"> </a> <a title="Mortgage Finance Gazette - September page 21" href="http://viewer.zmags.com/publication/91ffab79?page=21">LegalSRA clamps down on ARP non-payers e Sol</a> LegalSRA clamps down on ARP non-payers e Sol<a title="Mortgage Finance Gazette - September page 22" href="http://viewer.zmags.com/publication/91ffab79?page=22">Arrears Sponsored</a> Arrears Sponsored<a title="Mortgage Finance Gazette - September page 23" href="http://viewer.zmags.com/publication/91ffab79?page=23">ArrearsRepossessions look set to hit 40,000 this</a> ArrearsRepossessions look set to hit 40,000 this<a title="Mortgage Finance Gazette - September page 24" href="http://viewer.zmags.com/publication/91ffab79?page=24">Points of viewVIRTUAL STRATEGISTEat your green</a> Points of viewVIRTUAL STRATEGISTEat your green<a title="Mortgage Finance Gazette - September page 25" href="http://viewer.zmags.com/publication/91ffab79?page=25">Points of viewSOFTWARE PROVIDER'S VIEWService s</a> Points of viewSOFTWARE PROVIDER'S VIEWService s<a title="Mortgage Finance Gazette - September page 26" href="http://viewer.zmags.com/publication/91ffab79?page=26">16 November 2011CMLÕs 6th annual </a> 16 November 2011CMLÕs 6th annual <a title="Mortgage Finance Gazette - September page 27" href="http://viewer.zmags.com/publication/91ffab79?page=27"> </a> <a title="Mortgage Finance Gazette - September page 28" href="http://viewer.zmags.com/publication/91ffab79?page=28">BSA viewMutuals recoverThe health of the mutua</a> BSA viewMutuals recoverThe health of the mutua<a title="Mortgage Finance Gazette - September page 29" href="http://viewer.zmags.com/publication/91ffab79?page=29"> </a> <a title="Mortgage Finance Gazette - September page 30" href="http://viewer.zmags.com/publication/91ffab79?page=30">the road is long in association wi</a> the road is long in association wi<a title="Mortgage Finance Gazette - September page 31" href="http://viewer.zmags.com/publication/91ffab79?page=31"> </a> <a title="Mortgage Finance Gazette - September page 32" href="http://viewer.zmags.com/publication/91ffab79?page=32">Speaker's cornerFrench immunityMortgage fraud </a> Speaker's cornerFrench immunityMortgage fraud <a title="Mortgage Finance Gazette - September page 33" href="http://viewer.zmags.com/publication/91ffab79?page=33"> </a> <a title="Mortgage Finance Gazette - September page 34" href="http://viewer.zmags.com/publication/91ffab79?page=34">CMLÕs 4th annualmortgage fraud conference</a> CMLÕs 4th annualmortgage fraud conference<a title="Mortgage Finance Gazette - September page 35" href="http://viewer.zmags.com/publication/91ffab79?page=35">MortgageFinanceGazetteSPECIAL FOCUSthe voice </a> MortgageFinanceGazetteSPECIAL FOCUSthe voice <a title="Mortgage Finance Gazette - September page 36" href="http://viewer.zmags.com/publication/91ffab79?page=36">FraudMortgageFinanceGazette S</a> FraudMortgageFinanceGazette S<a title="Mortgage Finance Gazette - September page 37" href="http://viewer.zmags.com/publication/91ffab79?page=37">FT_MFG_SEPT_11APPLICANT'S SIGNATURE HEREIt onl</a> FT_MFG_SEPT_11APPLICANT'S SIGNATURE HEREIt onl<a title="Mortgage Finance Gazette - September page 38" href="http://viewer.zmags.com/publication/91ffab79?page=38">FraudWhen the going gets tough Lenders are inc</a> FraudWhen the going gets tough Lenders are inc<a title="Mortgage Finance Gazette - September page 39" href="http://viewer.zmags.com/publication/91ffab79?page=39">Market leaders shouldlead the market.The innova</a> Market leaders shouldlead the market.The innova<a title="Mortgage Finance Gazette - September page 40" href="http://viewer.zmags.com/publication/91ffab79?page=40">FraudGreedy fraudstersduping lendersMortgage</a> FraudGreedy fraudstersduping lendersMortgage<a title="Mortgage Finance Gazette - September page 41" href="http://viewer.zmags.com/publication/91ffab79?page=41">Fraudsentenced to 13 years imprisonmentfor mor</a> Fraudsentenced to 13 years imprisonmentfor mor<a title="Mortgage Finance Gazette - September page 42" href="http://viewer.zmags.com/publication/91ffab79?page=42"> </a> <a title="Mortgage Finance Gazette - September page 43" href="http://viewer.zmags.com/publication/91ffab79?page=43">Struggling to Debtmake ends meetThe economic </a> Struggling to Debtmake ends meetThe economic <a title="Mortgage Finance Gazette - September page 44" href="http://viewer.zmags.com/publication/91ffab79?page=44">Debttil pay day – another illustration of just</a> Debttil pay day – another illustration of just<a title="Mortgage Finance Gazette - September page 45" href="http://viewer.zmags.com/publication/91ffab79?page=45">WHMS Half Page MFG March TP 9/2/11 8:1</a> WHMS Half Page MFG March TP 9/2/11 8:1<a title="Mortgage Finance Gazette - September page 46" href="http://viewer.zmags.com/publication/91ffab79?page=46">DebtPeople are morefrugal, moreconservative,a</a> DebtPeople are morefrugal, moreconservative,a<a title="Mortgage Finance Gazette - September page 47" href="http://viewer.zmags.com/publication/91ffab79?page=47"> </a> <a title="Mortgage Finance Gazette - September page 48" href="http://viewer.zmags.com/publication/91ffab79?page=48">Equity releaseto be made to take an elementof </a> Equity releaseto be made to take an elementof <a title="Mortgage Finance Gazette - September page 49" href="http://viewer.zmags.com/publication/91ffab79?page=49">Equity releaseWhat the DilnotReport willenable</a> Equity releaseWhat the DilnotReport willenable<a title="Mortgage Finance Gazette - September page 50" href="http://viewer.zmags.com/publication/91ffab79?page=50">AppointmentsBSA VIEWPeter Myers has been appo</a> AppointmentsBSA VIEWPeter Myers has been appo<a title="Mortgage Finance Gazette - September page 51" href="http://viewer.zmags.com/publication/91ffab79?page=51">Diary13 SeptemberCML: 3rd annual mortgage regul</a> Diary13 SeptemberCML: 3rd annual mortgage regul<a title="Mortgage Finance Gazette - September page 52" href="http://viewer.zmags.com/publication/91ffab79?page=52">WHEN YOU NEED APARTNER WHO CANHANDLE THE BIGGES</a> WHEN YOU NEED APARTNER WHO CANHANDLE THE BIGGES