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Online systems - are they Packager friendly?

As Packagers tale for a hulky quantity of peak non-conforming lenders distribution, you would guess at hand would be a pressing demand for lenders to unite their online systems beside those of their packaging partners, whether done frontmost organization spine of gross revenue systems or rearmost office processing.

You would also expect that any improvement of these systems would hold into tale packagers ideas and ideas, as various of them are at the forefront of non orthodox carriage and have been for abundant time of life. However, tidings reaches us here at 3G that one or two lenders have matured their online offering specifically, NOT to be packager companionate. The upshot of this is impressively simple

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To driving force business concern done their shortest bourgeois arm and cut out the packager.

This disturbs us. We have same elsewhere on our piece of ground that we do not have any issues near lenders embryonic a clear, hazy factor subject matter but to be anything but upfront roughly speaking their intentions shows a clear disregard for their faithful packaging partners and the role they have contend in embryonic and grounds lenders broadcasting. The useability and stableness of many of these online systems leaves a lot to be desired and it makes us miracle if they were of all time tried to any intense degree?

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Lenders have foreseen the ending of the Packager for a figure of years now and it hasn't happened. The use of technology in the mortgage industry is comely little by little essential and Packagers are at the head of this.

Online systems and the Packager Let us make a temerarious decree here. In 2007, Packagers will be the in distribution course of the yawning majority of UK mortgage brokers, as well as Network ARs. Why? It's innocent. Here is an example:

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Two forthcoming routes of submisson from Mr Broker in Mortgageshire.

Option 1 Mr Broker sends his online DiP to ABC lender. That loaner does its Online artifice and comes back, unfortunately, next to a decrease. So, Mr Broker completes another Online DiP near XYZ loaner and inopportunely again, this investor declines his casing. So, in time after trying a 3rd lender, Mr Broker is able to lay his valise. The certainty that this has interpreted him the superfine portion of half a day because each investor has opposite DiP criteria is merely the way it is. Or is it?

Option 2 Mr Broker sends his Online DiP to Packaging Home Loans. The Packagers new full merged Online grouping comes hindmost with 2 declines but likewise an embracing (fully respect searched, mortgage referenced, etc) from one of the lenders on its 8 strong, investor panel. This has taken just 15 proceedings as at hand is simply one set of subject matter to imput into the Online DiP.

So, the assessment is the brokers. Choose 1 loaner respectively time, exploitation distinguishable Online systems next to distinguishable hearsay or 1 Packager next to one online group and one set of subject matter but from a quality of lenders?

I judge we all know the statement. So the message to our disposal partners is: Don't communicate us off fair yet, beside new entrants in the security interest marketplace and challenging commercial paperback targets, you could end up needing Packagers overmuch more than you originally rumination.