How to sell my loans

They are very general rules and tar every loan with the same brush.  The first 2, yes I would for the right security and loan.   The next 2, yes if the LTV is low enough.  The last is down to personal opinion. 

Overall, if you don't know what you are doing they are good rules.   Or maybe even avoid the SM altogether.
   (Or even avoid the the PM  )

77 loans now at the max 1% discount. Let's hope ISA season changes things, although I doubt it.

As an ex software engineer at a very well known US tech company, I can at least reasonably speculate on its viability. Unhelpfully, it depends on the tech involved and whether or not they have retained the existing engineer(s).

Most likely, there will be a backend database of some kind that they almost certainly will have or are in the process of taking an export (a snapshot if you like). I'm assuming as is likely, that database holds all permanent records of customers, loans, accounts etc. 

So the easiest thing might be to give the database user(s) read-only access to the tables in the database (assuming a standard sql rdms such as oracle or mysql). In theory that could be done in minutes but the problem with that is if we the customer attempted doing anything that involved writing to the database such buying/selling loans, a nasty sql error might be visible which is not very professional and worse if it was visible it might be unacceptable from a security point of view.

So the most likely would be changes to the website backend and/or the database. If the quality of their software architecture is good, there is a central database holding the business logic and the person making the changes is already familiar with the software, I think implementing a read-only website of some kind ought to be doable in a number of days (including testing of course).

Due to the number of unknowns, that is quite speculative but I thought I'd at least attempt to answer the implied question.

It was originally +/-4%, IIRC, but was tightened to +/-1% soon after the IFISA was launched, to try to stem the "dodgy dealing" that was going on as people shifted parts into their IFISAs. I suspect we'll see it relaxed to maybe +/-2% shortly.

The FS SM is now basically a queue based system with a 1% discount. Cant help thinking the ABLrate system better as many people would sell with a higher than 1% discount in current climes.

Agreed...there has deffo been an increase of sales on the SM. Especially after the 11am loans went out this morning.

Another thing that happened in the afternoon was that non-renewing investors in the C****n Street received their capital and interest.  That put something in excess of £500k into investors' accounts, and some of that likely would have gone into buying discounted SM parts.