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Stop referral fees and the firms (we all know who the big boys are) will just become ABS structures with the agents.

The referral fees are a stain on the profession - I don't know how an agent who has referred a shower to a client can sleep at night when it's all going t1ts up for their naive first time buyer.

The only comfort I can think of is what happens in 5-10 years time, when the issues that a 19 year old conveyancing kid is going to miss, come to the fore. Most of these big boys, whilst attractive in the short term to lenders because of their super efficient AML procedures, are sat on a toxic file time bomb

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