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Six years ago, a colleague took some time out from her job as a tax adviser. She told a friend that she was going to write a novel.

Tax advisers deal with sensitive client information daily and can be a target for cyber-attacks.

Whether it is a sign of the start of the house buying season or an indicator of increased confidence in the economy, from our postbag it seems that more clients are applying for mortgages.

Set out below are the answers to a couple of common issues faced by members in practice.