Tim Fletcher

Insufficient data is at the root of the credit market's ruined summer, Baseline Capital's sales and marketing director tells Matthew Attwood


Since 2003, Baseline Capital has been providing Basel II analysis for the UK mortgage market. Tim Fletcher, a 19-year veteran of Bradford & Bingley and former director of mortgage portfolios at the lender, joined the company in September 2004 from Homeloan Management Limited. No one is closer to the UK mortgage sector and he has been watching events in the US this summer with interest.

While confident that the risk of a US-style blowout on this side of the Atlantic is minimal, he insists that the

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