There has been much debate recently over the stability of the sub prime market following a recent crack down by FSA on wayward lenders and brokers showing a complete disregard for rules and regulation, which has been fuelled primarily by the challenges the US market is currently facing.

Naturally any controversy leads ultimately to speculation and this is unfortunately where the problem has emanated from. The FSA are renowned for their closed doors approach to dealing with the sub prime sector and as with any thing in life a lack of knowledge ultimately leads to uncertainty.

The sub prime market has always been a risk business and it always will be. It requires specialist brokers with the capabilities and the knowledge of dealing with consumers that are naïve in handling their own financial affairs

The net result has seen a number of brokers and few established lenders being severely reprimanded over the ‘mis-selling’ of products. This has focused on the lack of poor business systems, poor compliance and little evidence to support the needs and interests of the client.

So what will the future bring?

As everyone scrambles for market share the affiliate forums are overflowing with discussion on what products they should be promoting. Typically the debate over debt management based products like IVA’s or remortgage based products is now more popular than ever before.

The adverse market accounts for over 70% of the UK population, it is here to stay! Many of the high street lenders are now starting to offer a line of adverse based remortgage products either from their own stable or by forming alliances with independents to accommodate the ever growing demand and gain new streams of business otherwise associated with the specialist lending sectors. Recent examples include Alliance and Leicester building society and Northern Rock.

As an affiliate wanting to maximise revenue the answer is reliant on your Merchant and ultimately their lending power. Opting for a company like Blue Financial means strong lead sales to 288 brokerages under the regulation of one of the UK’s leading mortgage networks with access to 180 lenders.

Building up towards the Christmas season competition is running at an all time high and as our affiliate you can enjoying the advantages and the rewards of a buoyant market during its busiest period.

If you have any concerns on the market or you would simply like to discuss ways we can maximise your returns drop us a line and we will be only to happy to assist you with what ever you need.