Endowments, self‑cert, Northern Rock, LIBOR, currency — 30+ years of insider expertise.
Policies that underperformed. Millions mis‑sold in the 1980s‑2000s.
Income not verified — often inflated to secure loans that were never affordable.
100% and 125% "Together" mortgages that left thousands in negative equity.
Sub‑prime lending with unaffordable terms and hidden costs.
Mortgages tied to manipulated LIBOR rates — borrowers paid inflated rates.
Swiss Franc and other foreign‑currency mortgages that became unaffordable.
Sold with no repayment plan — leaving borrowers with unrepayable debts.
Many "self‑cert" mortgages had no genuine affordability assessment.
Founded by a mortgage broker from 1988‑2000. We have direct, lived experience of exactly how these products were sold — and why they failed. This is not theoretical knowledge. It is inside intelligence that most firms do not have.
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