(1) The director general of the CML, Paul Smee, said: "January is always a subdued month in the mortgage market but the underlying trend and strong year-on-year growth across all borrower groups indicates a strong start to 2014 continuing the sort of lending levels seen throughout 2013.
(2) The director general of the CML, Paul Smee, said: "As the government's mortgage rescue scheme in the English regions closes to applications at the end of March, we will be sorry to see it go.
(3) "With May lending figures, we get our first glimpse at the effect the mortgage market review (MMR) has had on lending trends and, at least so far, the impact appears subtle, rather than dramatic," said Paul Smee, director general of the CML.
(4) Paul Smee, director general of the CML, said: "For the second month running since new FCA rules took effect, lending characteristics remain similar to the market beforehand.
(5) CML’s director general, Paul Smee, said: “Brexit, and its likely effect on the market, is a question to which the answer will not immediately be forthcoming.
(6) The CML's director general, Paul Smee, said: "If lending follows the same pattern as after previous stamp duty concessions, we will likely see a drop in activity in the next few months.
(7) The Council of Mortgage Lenders' director general, Paul Smee, said it was "anticipated that lending within the scheme will attract relief on the regulatory capital that would otherwise be required on high loan-to-value lending, because of the significant mitigation of the lending risk."
(8) Young people debate the EU and Brexit | Anna Smee Read more Identity matters, especially for unrepresented people like us.
(9) Following Odling-Smee's (1975) procedure, a Pavlovian conditioning paradigm was followed in which conditioned stimuli (CSs: tone, light) predicted an unconditioned stimulus (US:footshock) always, never, or half the time.
(10) Paul Smee, the CML's director general, said: "All types of lending show positive year-on-year growth but the rate of increase is not as frenetic as at the end of 2013.
(11) The CML's director general, Paul Smee, said: "More positive figures in October, after a slow September, suggest the underlying trend in house purchase lending of modest year-on-year growth will continue.
(12) Director general Paul Smee called this "encouraging news", and said first-time buyers were not being displaced by buy-to-let landlords.
(13) Studies by K. Ramabadran, J. J. C. Jacob, Greese et al., of Leysen and Smee and Overstreet, which take into the account the secretion of endogeneous "ligands" enkephalins and endorphins, offer the possibility of a better approach for understanding the role of neuroleptics in the control of pain.
(14) Paul Smee, director general of the CML, said: “Buy-to-let continues its growth this period but, at 18% of new lending in September, remains the fourth largest lending type behind first-time buyers, home movers and remortgages.
(15) Director general, Paul Smee says the clampdown on high loans will mainly affect the capital: "Limiting the level of a lender's lending to no more than 15% of new mortgages at 4.5 times income or above (and none at all for Help to Buy guaranteed loans) is likely to impact the London market more than elsewhere.
(16) Anna Smee, a business strategist at Hundred Consulting, said many shoppers were treating themselves to top-of-the-range food from the supermarket rather than going to restaurants.
(17) Smee said: “The market was a slow starter this year, but this quarter shows it is now firmly on an upward trajectory.
(18) Paul Smee, the director general of the Council of Mortgage Lenders, said: "Although monthly lending is still running at far less than half its typical monthly level during the peak, there is no doubt that the mortgage market is firmly open for business.
(19) "Despite the seasonal dip in lending that we normally see in December, the underlying trend for year-on-year increases in house purchase activity continued in 2012," said the CML's director general, Paul Smee.
(20) Paul Smee, director-general of the CML, said: “Those lenders who used the arrears calculation methodology now identified as problematic did so in good faith, believing that they complied with the rules and were acting in customer interests.