a welcome are, from left to right, Lee Carroll, mortgage sales manager at the Tipton & Coseley, trainee mortgage processor Samantha Rollason, and trainee sales adviser Michael Spalding
For the date when ghosties and ghoulies and things that go bump in the night traditionally come out to celebrate Hallowe'en, is also M-Day.
Applications through intermediaries registered with the MCCB may continue to be made to lenders in October, even if the mortgage does not fully complete until after M-Day.
Such is the amount of work involved that Direct Line, part of Royal Bank of Scotland, has closed its mortgage arm to new business to prepare its back office systems for M-Day.
Newcastle Building Society is well advanced with its M-Day planning ( so much so that it is already introducing a version of the KFI in branches as its mortgage advisers are trained in the new regulations.