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Mortgages Explained - Lloyds TSB Advice and Guidance

Getting a mortgage is a big step, and in today's economic climate, that step can seem even bigger. But it doesn't have to be.By doing your ...

Motto Mortgage HPLB Now Open and Serving Chicagoland

April 05, 2019 // Franchising.com // Chicago - A new Motto Mortgage franchise is now open in the Chicago metropolitan area and serving customers across Illinois. Motto Mortgage HPLB held their grand opening yesterday evening at the Charles Rutenberg Realty (CRR) office in Naperville, complete with a ribbon cutting for CRR agents, clients and friends.

The centerpiece of the fête was the culmination of a month-long food drive for the Aurora Area Interfaith Food Pantry (AAIFP) as part of the “Motto Mortgage Mission Against Hunger” program. The food drive collected 250 pounds of food. The AAIFP spoke at the celebration, highlighting the special new partnership with Motto Mortgage HPLB and “the impact it will make for the local Chicagoland community.”

Charles Rutenberg Realty of Illinois is proud to announce the addition of the mortgage brokerage to their portfolio. The new endeavor will allow the company to offer high quality service to customers with ‘one-stop shopping.’ The brokerage, which will celebrate their 15th anniversary later this year, also offers title services.

'Mortgage prisoners': FCA proposes a regulatory key to the cell door

One of the key areas for improvement identified by the FCA in its Mortgages Market Study final report is to make it easier for so-called 'mortgage prisoners' - longstanding borrowers on relatively high reversion rates (the interest rate that applies once any introductory rate ends) - to switch to new deals. It is therefore proposing changes to its responsible lending rules and guidance to introduce a modified affordability assessment for eligible consumers. Where lenders choose to take advantage of the new regime, many of the changes will mean a relaxation of the current affordability requirements to help set 'mortgage prisoners' free.

What's the background?

The FCA believes that post-financial crisis changes in regulatory requirements for affordability assessments and in lending practices left some consumers on relatively high reversion rates when their introductory deals came to an end. These 'mortgage prisoners' have been unable to switch to cheaper mortgages despite being up-to-date with their payments. Most 'mortgage prisoners' are with firms that are inactive and/or not authorised to lend.

Has anyone used guidance mortgage relief for a mortgage modification?


Did they charge a ton on money, they haven't given me a quote yet.


Yes I am currently a client and so far they have been quite the advocate for me.

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