Cameron Orcutt

Recovering accountant who is now co-founding a fintech lender to help get first time buyers on the property ladder faster.

[Cameron Orcutt @OrcuttCameron]

@Victoria_Spratt The bumper sticker for the industry post-GFC would be "keep them in their homes". Fear of a sizable fine from the FCA for causing undue harm, and Consumer Duty focusing them on good outcomes will ensure it's only done as a last resort.

[Cameron Orcutt @OrcuttCameron]

Gave my thoughts on the new 100% mortgage product introduced by Skipton Building Society, in a recent blog for @YourMoneyUK.

Spoiler: Despite all the press it doesn't address the pain points. The job isn't done.

Check out the blog here:
https://t.co/nguBnEQknP

[Cameron Orcutt @OrcuttCameron]

@mikulaja Seems legit

[Cameron Orcutt @OrcuttCameron]

Even after all the base rate increases over the past 12 months...

...Owning is still less expensive than renting.

It's not the mortgage payments, but the deposit that most first time homebuyers need help with.

https://t.co/9DYQj9A1gs
#fintech #startup @OnLadderUK

[Cameron Orcutt @OrcuttCameron]

New blogpost from @OnLadderUK!

We list out why first time buyers should strongly consider new builds when purchasing their first property. A big reason in today's economic environment is the potential to save thousands on maintenance and #energy costs.

https://t.co/ULNbgnnjSo

[Cameron Orcutt @OrcuttCameron]

@NikMilanovic

[Cameron Orcutt @OrcuttCameron]

Full Interview👀: https://t.co/GztVyU6uKN

[Cameron Orcutt @OrcuttCameron]

New Tea Talks w @OnLadderUK! The specialist lender provides degree of flexibility large lenders can't. Larger lenders generally look for less complicated borrowers to lend to, and while they can accept certain borrowers with a credit blip...

[Cameron Orcutt @OrcuttCameron]

...they can’t process borrowers with “layered risk”, as our advisor @rtugwell calls it. This is where a specialist lender can provide more personalised underwriting experience for the borrower so they can improve their affordability.

#fintech #startups #personalfinance

[Cameron Orcutt @OrcuttCameron]

Was talking with a friend last week about how brutal the weather has been in London recently…now I feel like Mother Nature is toying with me.

#london #weather

[Dom Hallas @Dom_Hallas]

We're now at over 250 signatories for our founders letter on R&D tax credits. For startups to succeed - they need Government to back them on it. Read it and sign up here 👉 https://t.co/cn8HCfAIVb

[Cameron Orcutt @OrcuttCameron]

@GuineaGrill

[Cameron Orcutt @OrcuttCameron]

@ninamohanty @AlexH_Johnson M lenders, sometimes, allow borrowers to use savings as collateral against a house purchase to access lower rates. The volatility of a collateral is an issue if the employees ability to afford the payments deteriorates. Affordability is still the biggest determinant of defaults.

[Cameron Orcutt @OrcuttCameron]

To the workers replacing a store sign outside my window at 7:30am on a Sunday morning:

Why?

[Cameron Orcutt @OrcuttCameron]

@NikMilanovic From what I can tell, U.K. visa system is far ahead of the US. Need to make it easier for international students to stay after coursework is done.

[Cameron Orcutt @OrcuttCameron]

@shitlondonguinn Jamaica Wine House, The City

[Cameron Orcutt @OrcuttCameron]

Further evidence of the issues facing the buy-to-let sector.

[Lucian Cook @LucianCook]

Today's quarterly SDLT figures show that, while all resi transactions were up +8% on Q4 2021, those investment & second home purchases paying the 3% surcharge were down -17%, as investor activity was disproportionally hit by increased costs of debt and regulation.

[Cameron Orcutt @OrcuttCameron]

Excellent to attend the founder exit event by @the_hotbed_co with @stripe & @seedlegals. So many great insights from founders who’ve excited to Spotify, Shutterstock, amongst others!

[Cameron Orcutt @OrcuttCameron]

I’d imagine a key ingredient in solving the housing crisis would be a housing minister who stays longer than a few months…

[The i Paper @theipaper]

Five housing ministers in 12 months, but still no renters reform

🔎 Analysis by @Victoria_Spratt, @theipaper's housing correspondent https://t.co/5Zdw6tYkAq

[Cameron Orcutt @OrcuttCameron]

Welcome news for stressed out first time buyers and homeowners looking to remortgage 🙌🏻

[Mortgage Strategy @MortgageStrat]

News Analysis: The rise and fall of mortgage rates
https://t.co/NfIqKiyvT3