With regards to subprime, very
little has changed since this time last year. There is no doubt the
days when non-prime lending products played a full part as core
products within a broker’s product range remain in the past.

The present situation is one of
several small players offering a rather fractured range of
products. The product landscape is unrecognisable from the halcyon
days of Welcome, Park and Blue.

That is not to say that it will remain
so. There are many rumours out there of increasing capital looking
to come to the UK and there is no doubt that there is a massive
opportunity in the sector.

I suspect that when we look back in a
further 12 months, the situation will be significantly better than
now but nowhere close to the peak times.

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