Our Insights

by Martin Langlands, Chief Risk Officer, Harpenden Building Society One of the long-term priorities of the FCA is to ‘ensure fair pricing in financial services.’ In July 2018, the FCA released a discussion paper titled DP18/6, as they were concerned that competition was not working well enough in the cash savings market. This led to […]

by Roy Badcock, Senior Manager, Harpenden Building Society Does a day go by without a headline appearing about the transformative effect of ‘fintech’ or new technology? Some of my colleagues were at the Mortgage Business Expo conference in London recently and technology was a popular topic of conversation. Indeed, one of the conference seminars, ‘How […]

by Martin Langlands, Chief Risk Officer, Harpenden Building Society A short while ago, I wrote an article which explained how a discussion paper jointly issued by The Bank of England, The PRA and The FCA has the potential to change the way all financial institutions might be asked to operate in the future. The paper […]

by Martin Langlands, Chief Risk Officer, Harpenden Building Society In July 2018, The Bank of England, The PRA and The FCA issued a joint discussion paper called ‘Building the UK financial sector’s operational resilience’. The paper also goes by the name of DP 01/18. You may have seen some commentary in the trade press but […]

by Harpenden Building Society The demand for holidays and time to rest can be affected by the economy but there will always be people trying to seek a break from it all. Holiday Lets are becoming an increasingly attractive investment proposition for many across the UK and it’s not just down to political and economic […]