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Paul Janes is director of Beals Wealth Management, an AR of Quilter Financial Planning This year has been defined by the pandemic and unfortunately it’s impossible to discuss the mortgage market without reflecting on COVID-19 and its knock-on impacts. The start of lockdown saw an effective halt on the entire market and most of the business was product transfers and remortgage applications. As ever the market adapted and we saw people doing video viewings of property, but it wasn’t until the summer when the government announced the stamp duty relief that the market really got going again. And it has been frantic since.

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