Industry updates

Each month we send a market update to key figures in the industry.

We cover the most important issues and give our honest opinion about the current hot topics. Catch up with our views and reviews by looking at the archive below.

If you would like to be added to the distribution list, please use the contact us page.

10 Years On – Loan Portfolio Reviews

With several lenders using the acquisition of high-quality loan portfolios to support their growth aspirations, we are proud to have been involved with successful bidders for loan books for over 10 years. 

With some books being acquired at a slight discount to book value, the detailed file reviews which provide information and data to assist in the assessment of the risks involved and ultimately the value of the transaction, often assist the key decisioning process.

Reviewing portfolios has given Rockstead an invaluable insight into the underwriting and processing techniques adopted by many different lenders. This in turn has enabled us to analyse both good and bad practises within the industry and helped us to benchmark parts of the market. The knowledge we have gained over the 10 years of our existence, backed up by the experts in our team, has resulted in significant benefits for our clients.

Firstly, when evaluating loan books, vendors and purchasers are re-assured that our experience with successful bidders helps us identify and highlight potential areas of concern that may not be obvious at the outset. By tailoring reviews to match client needs with our own suggestions, the final scope provides a solid foundation for any review and our philosophy of ‘tell it as we see it’, helps to focus the report output and eliminate any grey areas.

Secondly, potential funders of new and existing lenders benefit from our experience of re-underwriting different loan classes. One of the main general criticisms levied after the global financial crisis, albeit with hindsight, was the lack of independent reviews that were carried out, particularly on the assets involved in forward sale agreements. We have been engaged in hundreds of individual reviews to ensure that the criteria agreed between lender and funder is being followed and importantly reporting our opinion to both parties, with the added benefit of helping improve communications.

Overall the widespread expertise Rockstead has at its disposal clearly benefits potential buyers, sellers and funders operating in the lending arena. To take advantage of that experience and mitigate risks please give us a call.

  • Interest only – has inertia set in?

    We have commentated on this topic several times before and undoubtedly some progress has been made by lenders, but recently mortgage portfolio trades have contained large proportions of interest only loans and there has also been a renewed focus by the FCA. Despite some commentators suggesting that this issue is a low risk one, the […]

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  • Loan portfolio trades; the importance of Due Diligence

    There has been some recovery in the trading of mortgage assets over the past five years, particularly in the non-performing sector. The improving trend has continued, and we have seen numerous loan book trades in the UK and Europe and many commentators report that they expect even more activity in the next 12 months. Clearly […]

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  • Vulnerable customers; how good are your policies?

    With the New Year upon us, a high percentage of individuals and families are relying on borrowing money and extending credit to meet higher than normal outgoings incurred at Christmas and the extended holiday period. Some customers at this time of year can often experience financial hardship. It is also true that many providers of […]

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  • Lending opportunities in Iberia

    We have seen more activity in Iberia over the last 3 months than has been evident for some time. We can specifically see several niche opportunities within the lending origination space, either as a lender or by providing warehouse funding to a third-party originator. Some of these potential opportunities exist within the following sectors: In […]

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