The Richmond Fellowship Scotland published an article in The Intermediary breaking down why the real competitive advantage in mortgage lending won't come from chasing the newest model.

The Richmond Fellowship Scotland is a charity which supports around 2500 people across Scotland with a broad range of needs to live as independently as possible in their own homes and communities. We are the largest provider of social care services in Scotland, providing personalised, high-quality community-based support services for those who require support in their lives. Some may have mental health difficulties, learning disabilities or autism; others may have dementia, alcohol or drug issues or forensic backgrounds. All of our services work in person-centred ways to offer choice, promote inclusion and maximise ability. We manage in the region of 190 services in both rural and urban settings, employing more than 2500 staff. In working with 28 local authorities, we have a proven track record and understanding in providing high quality services to meet the unique needs and aspirations of the individuals we support. We are people-focused, motivated by the needs of individuals and communities, not profit. We are driven by strong values and a firm commitment to choice, dignity and social inclusion. Our mission statement Our mission is to develop and deliver the best personal supports that listen to what you want and achieve what matters for you. Our outcomes statement We recognise the complexity of your life, the challenges you face and the contributions and worth you can bring. We believe you are unique and entitled to a fulfilling life. Our staff will strive to promote and achieve these outcomes with you: leading and directing your own life independence choice individuality community presence fun! self-esteem responsibility active and meaningful participation making contributions to family and friends having new experiences whilst being safe being seen as important and unique