25 years on: nostalgia isn’t it what used to be

April 1991 was when I started out as a commercial finance broker. My first ever completion was a shop in Ashbourne financed by Royal Bank of Scotland, a bank with a lovely culture in those days. What was unusual is that most of my colleagues did not use high street clearing banks then: the favourites were finance houses, Allied Irish Finance, Barclays Mercantile, First National Bank and Woodchester…………remember them?

Tip of the Month: Consider fixed rates

The most popular products, by a long way, among borrowers in the mortgage market are five year fixed rate deals.