Qualis Credit Risk Specialists

Qualis was a proud sponsor of the Protect Association Golf Day held at Essendon Golf & Country Club in Hertfordshire. With 55 attendees from various sectors across the industry, it was a fantastic day with plenty of networking opportunities and all for a great cause. Thanks to everyone's generosity, we were able to raise more than £1000 for Cancer Research UK (CRUK). Congratulations to the winners - team prize to Lime Risk Agency Limited and individual to Steve Devine, Chairman from Protect!

The aging population is a growing trend across different geographies and one of the most relevant challenges to be faced in the near future. The financial world is therefore called upon to innovate and build appropriate solutions to better respond to demographic changes and the future challenges of society with the aim of making credit an instrument that is ever more responsive to people's needs. 🏡 Learn how seniors can leverage this unique financial option for their homes. #LifetimeMortgage #FinancialFreedom #ElderlyBenefits

L’evoluzione demografica trasforma la società e impone nuove esigenze. Entro il 2050, un terzo della popolazione italiana sarà rappresentato da over 65. Il mondo del credito è chiamato ad una sfida epocale, quella di adattare gli strumenti di finanziamento al nuovo paradigma sociale. Tra le soluzioni emergenti, il Prestito Ipotecario Vitalizio o Reverse Mortgage consente di monetizzare la casa di proprietà e si pone come alternativa alla nuda proprietà. L’alto tasso di proprietà della casa di abitazione (82% per gli over 50) ed un quadro normativo ben definito (Legge 2 aprile 2015, n. 44 e Decreto 22 dicembre 2015, n. 226) proiettano il mercato potenziale nazionale ben oltre gli attuali 4 miliardi di dollari annui registrati in UK ed 1 miliardo di dollari annui registrati in Germania e Paesi Bassi. A patto tuttavia di ripartire dalle esigenze della Silver Generation e di innovare muovendo da queste. Un mio contributo su questo tema nell'articolo sottostante pubblicato su Econopoly de Il Sole 24 Ore. #Reverse Mortgage #Prestito Ipotecario Vitalizio #Mutui #Mortgage #Silver Generation #equity release #bare ownership

According to Qualis findings, Molise is the first region with over 63% of #SingleApplicants. Additionally, Istat has confirmed that in 2022-2023, unmarried couples and reconstituted families make up 39.7% of total households. The landscape of #households is evolving - are you ready to adapt? Learn more⤵️

Purchasing a home is a significant milestone in life. We're happy to have initiatives that support customers on this journey. What makes us unique is our dedication to prioritizing the needs of our customers every step of the way. By allowing banks to tailor mortgage options, we help minimize credit risks and provide a personalized banking experience for each client. Download our infographic to learn more ➡️ https://bit.ly/3wpFgv3 #Finance #HousingMarket #Qualis

According to our recent findings, the average age of first-time homebuyers is increasing and it could have significant implications for the real estate market. 💡 Learn more from Qualis on home buying trends in Corriere della Sera. #Homebuyers #Mortgages #QualisCreditRiskSpecialists

First-time homebuyers are realizing the importance of high loan-to-value (HLTV) mortgages in today's housing market. Through these mortgages, homebuyers are able to purchase a home with a smaller down payment. Learn more from Patrick Bamford, Head of International Business Development at Qualis. #FirstTimeBuyers #HighLTV #Mortgages

Jaime Marín Merlo, Head of Qualis Credit Risk for Iberia, recently discussed the current state of the Spanish real estate market on Capital Radio (Business). He emphasized the challenges of accessible housing and the importance of implementing HLTV mortgage solutions. Listen for more: https://bit.ly/3WvCley #RealEstate #MortgageInsurance #StructuredFinance

Discover the latest innovation in the housing market with the launch of the 99% mortgage. This new opportunity could provide a pathway for hopeful homebuyers. "Hopefully it creates a flurry of interest from would-be first-time homebuyers about what might be possible for them, even if they might not be able to access this particular product," said Patrick Bamford, Head of International Business Development at Qualis. Learn more from Patrick in the Financial Reporter. #Homeowners #Mortgage #FirstHome

Since its establishment in 1993, Qualis has prioritized data-driven practices, enabling the refinement of its models for better accuracy in predicting future losses. Teaming up with AmTrust Financial Services, Inc. has enabled Qualis to expand its capacity across various markets, enhancing the value they offer to their clients. Learn more from Roberta Brunelli as she discusses the value of data with Insurance Age. #dataanalytics #businessstrategy #MGA