21 May The credit bureau they don’t tell you about, an ‘internal’ ICB at Irish banks Something which isn't widely known is the way that banks keep internal credit scores. This isn't the bit they report to the ICB which i... Continue reading
2008: When banks independently all decided to make a similar decision This week five years ago is when independent mortgage advisors were in the middle of getting some harsh news, some lenders were pulling... Continue reading
Time to leave your home, give it up… One of the downsides of financial advice is when a person comes to you and it is too late to help, recently I had a client who was abou... Continue reading
Philanthropic banks? Hardly… The banks do manage to get some positive PR even in the current anti-banking environment. Yesterday's Independent carried a story by Ch... Continue reading
Dear Banks, leave me alone… How to speak to them In the process of negotiating with banks many of our customers feel various things, like intimidation, fear, confusion and anger. In tr... Continue reading
Four channels, one show, different prices – lending looking up in 2013? AIB currently have four lending channels, there is AIB direct (their branches), AIB Broker (via the Ballsbridge HQ), EBS (done through ... Continue reading
Banks are lending (while standards tighten) I often complain that banks are 'not lending', they say this isn't true. The Central Bank then says that lending criteria is tightening... Continue reading