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Can you deliver finance to businesses?

Commercial mortgages  can prove an ideal choice for clients looking to raise funds against existing property or when making a new purchase. But what if your client doesn't fit all the boxes? Perhaps they've only been trading for a year, don't have the most perfect credit history or they're simply a Limited Company. Kick start your [...]

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4 of the biggest lead generation mistakes you don’t want to make

You’ve probably made these 4 lead gen mistakes before, or you’re making them right now. #Not understanding your audience #Poor implementation #Failing to track and test #Keeping in touch Hubspot’s inbound report states that 69% of firms’ top marketing priorities are focused on converting their leads to customers. And 54% say generating traffic to their website is a priority [...]

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2019 Bridging Trends Revealed

2019 Bridging Trends Revealed Despite 2019’s political uncertainty, demand for bridging finance remained remarkably stable, according to the latest Bridging Trends data. Average monthly interest rates continue to fall year-on-year Regulated bridging loans increased market share 2nd charge loans saw highest market volume in 2019 Average LTV levels fell to an average of 53% Whilst [...]

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Strengthen sales function with appointment and promotion

Crystal Specialist Finance (CSF) has further strengthened its sales function with the appointment of Samantha Pettit as Business Development Manager (North) and the promotion of Dan Morris to Key Account Director. Pettit will be responsible for growing sales and delivering service excellence to intermediaries located in the Midlands and the North of England. She joins [...]

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Pepper Money launches Residential Affordability Calculator

Pepper Money continue to improve their service to brokers with the launch of their Residential Affordability Calculator. Brokers can now check how much their clients could borrow, with the calculator giving an indication on both 2 and 5 year products in less than one minute. By adding the facility to check affordability up front, Pepper [...]

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95% LTV for Remortgages

Virgin Money offer a range of 95% remortgage products for straight balance swaps. All remortgages come with a free valuation and standard legal work, as well as being fee-free. Don’t forget a maximum LTV of 85% still applies if your customer owns a second property. To find out more, visit the website, talk to your [...]

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Traditional mews or penthouse views? We’ve got BTL covered from A to Zephyr

Whether it’s a standard or specialist property Zephyr are confident they can help. From bog standard properties to student lets, 100% flat roof to HMOs, here’s a snapshot of their range… STANDARD RANGE Individual and Limited Company applications for single buy-to-let properties. 5 year fixed affordability calculation at pay rate. Income “Top Slicing” calculation available [...]

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Critical illness cover enhancements explained

Critical Illness Cover can be complex so Scottish Widows have updated their definitions to make them easier for clients to understand. Providing simple but comprehensive cover where it matters most. Comprehensive Cover - one policy that covers all options including total permanent disability and children's cover at no extra cost. Simplification - reduced overall number [...]

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Never too old to enjoy life and its little luxuries

Do you have any clients aged 60 and over who want to make the most of retirement but don't want a traditional equity release product?   Their Retirement Lifestyle Booster mortgage is a real alternative to equity release. It's a 10 year interest-only standard mortgage (not even a RIO) that gives your clients regular monthly advances and an optional lump [...]

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Remortgagers – Meet Tony and Nicky

Tony and Nicky have a growing family but cannot find an affordable larger house in their area and don’t want to move away from the good local schools. They have been thinking about converting their loft into an extra bedroom, using the equity they have built up in their property, and now the economic outlook [...]

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The rising value of specialist advice

Over half of all landlords do not use the services of a tax advisor In the modern buy-to-let market, its vital for landlords to seek specialist tax advice before making any decisions about what type of mortgage they need and how they are going to own/finance their properties going forward. Intermediary firms clearly have a [...]

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Santander for Intermediaries Updates

Introducer Internet downtimeCustomers contact informationIntroducer Internet downtime Introducer Internet won’t be available from 9pm on Saturday 7 March until 6am on Monday 9 March. Your brokers won’t be able to submit cases during this time. They are sorry for any inconvenience caused. Customers contact information This information supports two key areas of the mortgage journey: [...]

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Why use Greenfield mortgages for auction properties

Ensure completion within the required timescale Useful when the property requires refurbishment or is uninhabitable Access funds quickly Terms up to 12 months LTV up to 70% Competitive interest rates FCA regulated loans available

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Key Features

As of the 2nd March Leek United Building Society will be paying procuration fees for product transfers. Advisers will be able to process the Product transfer online, if they don’t have the client roll number they can ask for a customer data request so Leek can provide it. Platform has improved its process in relation [...]

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The sky’s the limit with Zephyr

Zephyr know what’s important to your Buy to Let clients looking to secure lending on properties in high rise flats, that’s why they have no height restrictions (over 10 will be referred for approval), plus they allow properties with Deck Access. These aren't the only surprising facts about our criteria, take a look at a [...]

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Landlord tax relief changes explained

They're fast approaching 6 April 2020, when tax relief for finance costs for Buy to Let landlords will be restricted to the basic rate of income tax, currently 20%. Also, as part of these changes the tax relief will be given as a reduction in tax liability instead of as a reduction to taxable rental income. [...]

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New Launch Limited company Buy to Let

A launch of limited Buy to Let Limited Company Fee free options 2 year discount with no ERC’s Up to 75% LTV Income Rental Calculation 125% @ 5.5% SPV must be for holding and letting residential investment properties Find out more

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Income Protection designed around your clients’ needs

Income protection is the undersold insurance cover, but one that could make the biggest difference to your clients. That’s why we have made the first of many improvements, which will be introduced over the year – designed to make our income protection proposition better for your clients. Improvements to our standard cover Added 2 and 8 [...]

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Spring Movers – Meet Chris and Kate…

Chris and Kate have always wanted to have a place of their own. Now things look settled in 2020, they have started to look seriously for a two-bedroom flat for around £200,000. Like many couples in their position, they have not been able to save a deposit but Kate’s parents have kindly offered to gift [...]

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A tricky Case Study

Do you often turn away tricky cases which you just don't know how to get past the line? Start turning these complex scenarios into opportunities with Vantage Finance. As an expert master broker, they are your most trusted partner. With effective, efficient communication throughout every single case, from the initial enquiry, right through to completion - [...]

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Simon Tipton – Intermediary Development Manager talks about life after Help to Buy and what alternatives there are

The Help to Buy (HTB) scheme is set to change from next year (bringing in exclusivity to first time buyers and the introduction of regional price caps) and end completely in 2023. So, what's next for the industry which has had government backed equity schemes in place for over 15 years? The HTB scheme has [...]

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LV+ are now working with Maggies

Someone in the UK is diagnosed with cancer every two minutes and there are 360,000 new cases every year. As the amount of people living with and beyond cancer increases, so does the need for care and support. At LV= they understand the impact of cancer goes beyond just financial worries. That’s why they’re working [...]

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Is 2020 the year you take a “leap” into specialist lending?

With so many different solutions on offer is it time your clients benefited from some alternative funding solutions? Positive Lending offer a whole of market solution for you and your clients who may find their best outcome coming from the second charge mortgage, bridging or commercial lending markets. “Leap” into specialist lending to see if [...]

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A Specialist Lending Toolkit to help

Whether you’re looking to fact find, place a case or speed up your application we have a number of tools available to help. 1 Calculators to get an indication of how much your customer could borrow Residential | Buy to Let | Portfolio | Refurbishment Buy to Let | Bridging 2 Online and searchable A-Z criteria guide Online Criteria Guide 3 Never miss [...]

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Raise capital for any legal purpose

Do you have clients looking to raise capital for something a little quirky? Or perhaps it’s just a vanilla case, but a remortgage or unsecured loan simply won’t fit - they are at the salary multiple limit, lending criteria has tightened since they took out their first mortgage or they are tied into expensive ERCs. [...]

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Uinsure launches Non-Standard Home Insurance

Uinsure, the multi award-winning InsurTech firm, is excited to announce the addition of online quote and buy Non-Standard Home Insurance to its Defaqto and Moneyfacts Five Star rated proposition. Uinsure, the multi award-winning InsurTech firm, is excited to announce the addition of online quote and buy Non-Standard Home Insurance to its Defaqto and Moneyfacts Five [...]

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Specialist Lending & Technology Expo

Concord Suite, Holiday Inn London-Gatwick Airport Thursday 26 March 2020, 09:00 - 15:30 This FREE event will bring together Specialist Finance providers across a variety of sectors including - residential complex credit; self-employed; contractors; Buy to Let (from individuals, to Ltd Cos, HMOs, expats, multi units); bridging and short term lending; commercial; along with technology [...]

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2020 criteria searches highlight mortgages as a market of contrasts

The first criteria index of 2020 has shown that the wider mortgage sector looks set to be a market of contrasts according to criteria search specialist Knowledge Bank, which collects the data. In some sectors brokers are searching for completely new criteria on behalf of their clients whereas in others, search topics remained stable and [...]

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How to facilitate a better rental yield for portfolio landlords…

Diversity is key when it comes to landlords looking to maximise their current and future portfolios. Choosing different property types represents one route, with an increasing number of landlords incorporating houses in multiple occupation (HMOs), off-plan new builds and short-term lets into their portfolios. Another route is via investment in a different location, especially in [...]

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Top tips for multi-unit block cases

Multi-unit blocks (MUBs) are one of the most popular property types enquired about at TBMC. MUBs can be valuable assets in a property portfolio, offering increased rental yield and helping landlords to develop into full time investors. Here are some of their top criteria tips for placing MUB cases successfully: Individual units Most lenders will require [...]

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New! Cancer care CPD video from The Exeter

Chief Medical Officer for The Exeter and leading specialist in early cancer diagnosis, Professor Willie Hamilton CBE, MD, FRCP, FRCGP shares his knowledge in this video on Cancer Care: Present and Future. By watching this video, you will learn: That cancer is becoming more common Why there are rapid advances in cancer diagnosis in the [...]

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From unlimited background portfolios to no stress testing scenarios! BTL covered from A to Zephyr

For the varying needs of your portfolio landlord clients they can help the process run as smooth as possible, here are some of the benefits of sending your portfolio landlord’s business their way: No background portfolio stress test; rental income simply needs to cover the Zephyr mortgage Unlimited background portfolio They partner with eTech’s BTL [...]

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Gifted Deposits – acceptance from a close family relative with no maximum value.

If your customer is buying a new home, don’t forget they will accept a deposit gifted from a close family relative with no maximum value. From the 3 March 2020, for any new applications, the Gifted Mortgage Deposit Form must be completed and uploaded to the case via the mortgage portal.   Download the form [...]

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Do you have clients looking for a new build mortgage?

New build mortgages need clear-cut criteria to help intermediaries With many buyers opting for a new build property when they purchase a house, it’s important that lenders continue to provide well-defined products and clear-cut criteria to support this type of property and help intermediaries maximise the opportunities available. The mortgage market is buoyant with UK [...]

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Improved Income Protection product

Income protection is the undersold insurance cover, but the one that can make the biggest difference to your clients. That’s why they have made the first of many improvements, which they’ll be introduced over the year – designed to make their income protection proposition better for your clients. Improvements to their standard cover Added 2 [...]

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How you can support vulnerable clients?

11.5 million people in the UK do not have even £100 in savings and 17 million feel that nothing they do will make a difference to their financial situation. This is data from the Money and Pensions Service showing a lack of financial well-being in huge swathes of the UK population. Read their best practice [...]

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2nd Charges Case Studies

“Keeping an interest only first charge and save £1569.50 per month” Mr Smith: Property Value £950,000 “INTEREST ONLY” mortgage of £500,000 @ 2.25%pm costing £937.50 per month over 20 yrs. Income £100,000 p.a Mr Smith requires £100,000 for home improvements. Option 1 UNSECURED LOAN Unsecured loans not generally Available for £100,000. Option 2 FURTHER ADVANCES [...]

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Santander are updating their Office for National Statistics data

On Wednesday 19 February Santander are updating their Office for National Statistics (ONS) data they use to calculate how much your client could borrow. Their affordability calculation will be updated to reflect these changes. Help to Buy income multiple They’re also updating their maximum income multiple for Help to Buy: equity loan and London Help to [...]

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Dynamics of Limited Companies for Buy to Let

Dan Clinton, Senior Manager of Product Management and Pricing, The Mortgage Works Incorporation is reinvigorating itself within the Buy to Let (BTL) sector following changes to the tax regime. Recent BVA BDRC research indicates almost two-thirds of landlords intend to purchase their next property through a limited company, which is a staggering statistic, and could [...]

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Recent changes mean that Coventry for intermediaries’ owner-occupied clients could borrow more

As a result of some changes, owner-occupied clients buying new properties or remortgaging with Coventry could be eligible to borrow more, says Kevin Purvey, Director of Intermediaries. “New purchase and remortgage clients could now benefit from increased borrowing,” says Kevin, “so they’re asking brokers to try the affordability calculator for themselves to see what a [...]

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Bespoke options for mixed residential portfolios

Pre-header: InterBay Commercial completes £7m remortgage case At InterBay Commercial, the team take a personal approach to each and every case and can help where other lenders may not be able to. With up to 85% LTV available on Buy to Let and HMO loans, and the ability to host multiple properties on a single [...]

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Key Buy to Let Changes

Key Buy to Let Changes Amended residency rules for BTL lending Barclays are pleased to confirm they are removing the BTL 2-year residency requirement for customers solely using employed income in their application, so as long as applicants have Permanent Rights to Reside, they can apply for a BTL mortgage with them. Note: Applicants must [...]

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Landlords are considering their options – Jane Simpson, managing director at TBMC says:

Landlords are considering their options Jane Simpson, managing director at TBMC says: Tax relief As the end of the financial year approaches, buy-to-let investors will be mindful that mortgage interest tax relief will be phased out completely in April. The effects of this tax change have been implemented in stages over the last three years, [...]

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Scotland here we come!

Bath Building Society opened the door to lending in Scotland Bath Building Society is now offering mortgages in mainland Scotland. As well as its Standard Residential mortgages, the Society is also making available its range of award winning niche products, which include, Buy-for-Uni, Rent A Room and Parent Assisted mortgage schemes which are designed to [...]

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What makes specialists different to mainstream lenders?

At the Family Building Society they know that not every client is a straightforward case. Family Building Society look for reasons to offer mortgages, not for reasons to reject, so sometimes they can help when other lenders can’t or won't because it's just too complicated. What makes them different to mainstream lenders? No ‘computer says [...]

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Business Quality Awards 2020

On the 6th February 2020, they announced the winners of their ninth Business Quality Awards (BQA) at Butchers Hall, London. The BQA recognise and champion intermediaries who are putting customers at the heart of their business. I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. [...]

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Protection dates that matter in 2020

Download their interactive calendar which provides notable dates that highlight the need, impact and importance of protection. From health awareness days to legislative changes, this calendar can provide valuable talking points for your client conversations. Find out more

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11 ways broker firms can drive traffic to their website.

I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. If you’re looking for ways to drive traffic to your website, you’ve come to the right place. Eligible pulled together 11 sure-fire ways that you can [...]

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Community Giving – Another worthy cause, another successful nomination

Another worthy cause, another successful nomination In December, they announced their 40 successful Community Giving nominated causes and they each received a £1000 donation. Since then, they’ve had time to catch up with some of them to find out how they plan to use the money. Skipton spoke to Hannah Barrett from the YMCA DownsLink [...]

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Life and Critical Illness cover from LV= more enhanced pay-outs for more conditions…

When people think about serious illnesses, they usually consider the main three - Cancer, Heart Attack and Stroke. Yet everyone knows that life can sometimes throw the unexpected and it's important for your client to have confidence that they can protect what matters most in these situations. In 2018 there were over 25,000 reported serious [...]

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Monday product Launch with Aviva

As of Monday Aviva will be Launching a new product. It is designed for those who are active in writing simple insurance as opposed to those doing more holistic planning with the menu plan, I have attached full details including a product comparison, but in summary: This is an in/out product, ie you are either [...]

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Do you have a comprehensive approach to dealing with vulnerable clients?

It’s easier to spot vulnerability in some clients more than others. Some vulnerability drivers are hidden and only identifiable through further, in-depth client interaction. For example, identifying a client’s long-term illness, through asking appropriate questions that enable a client to open up and explain their medical background. It’s important that advisers feel confident about being [...]

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Making complex cases simple

After winning the Best Specialist Lender Award at the British Bank Awards in 2019, Darlington Building Society have not rested on their laurels and have further enhanced their criteria for 2020 to include. Removal of upper age limits on repayment mortgages Interest Only up to age 86, with sale of the mortgaged property considered up [...]

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Better help when you need it

Legal and Generals  live Web Chat tool makes it easy to connect with them and get the help and support you need quickly. And now they’ve made it even better. You can now download your chat transcripts, giving you a record you can refer back to later if you need to. Which chats can I [...]

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Simplified critical illness cover

Scottish Widows have simplified their Critical Illness definitions, focusing on what matters most to you and your clients: comprehensive cover, with simplicity at its heart. Comprehensive Cover - one policy that covers all options including total permanent disability and children's cover at no extra cost. Simplification - reduced overall number of conditions whilst widening the [...]

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Putting new build mortgages in focus

New builds are attractive to a wide and diverse selection of buyers. They can be the right choice for the younger generation buying their first home, later life buyers ‘right-sizing’ as part of planning their future and even landlords looking to grow their portfolio with attractive and up to date property stock. Latest figures from [...]

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Enhanced product range from Pepper Money

Recently launched criteria changes: What have Pepper Money changed? Implementing electronic identity and residency (E-ID) with the aim of reducing the requirement for brokers to obtain, certify and upload documents in some instances Introducing the option for clients to select from our wider panel of solicitors or dual representation* using their own solicitors for remortgages, [...]

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Supporting Scotland First Home Fund

Mansfield Building Society has made its standard residential and specialist Versatility mortgage range available to borrowers looking to take advantage of the Scotland First Home Fund initiative. The scheme allows first time buyers to obtain a loan from the Scottish Government of up to £25,000 (or a maximum of 49% of the property purchase price) [...]

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Mortgage Portal User Guide

Mortgage Portal User Guide Placing business with Metro Bank is easy but with this new guide, they have made it even easier. Metro Bank's new Mortgage Portal User Guide will take you through, step by step, from Agreement in Principle (AIP) to Full Application with helpful hints and tips along the way to help avoid [...]

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New, more inclusive life and critical illness cover from LV=

One in two people born after 1960 will be diagnosed with cancer; and half of those diagnosed are expected to survive 10 or more years (Cancer Research UK). The financial impacts of cancer are just the tip of the iceberg, with long term emotional impacts experienced by those affected and their families. LV= have extended their critical [...]

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One small step for us, one giant leap for broker-kind

Mission #1 to help you keep customers for life Eligible are happy to announce the launch of our TMA cohort on our Retain Lite product. Courtesy of TMA, Eligible have offered 50 members a free trial on the product as part of our partnership with the mortgage club. The partnership was announced late June with a [...]

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Uinsure strengthens its management team as it gears up for major growth in 2020.

Fresh into the new year, Uinsure, the multi award-winning InsurTech firm, has bolstered its management team with three senior appointments, as it gears up for a successful 2020 with huge plans for growth. Brionie Hemingway joins as Chief Governance Officer having previously worked at PwC London and Deloitte North with over 20 years’ experience in [...]

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Ignite your GI business with a new quick quote experience

To help you provide your clients with a more accurate Quick Quote for Paymentshield’s 5 Star Defaqto rated Home Insurance, you can now easily add additional cover options directly from the Quick Quote results screen, without having to start the full quote process! Whether it's Home Emergency, Accidental Damage or Legal Expenses (or even all [...]

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Just how can Top-Slicing help your Clients?

When it comes to raising finance on BTL property, it isn’t just about rental cover. They recently had a Broker contact them with a Client looking to raise £140k against a BTL property for Debt Consolidation and Home Improvements. The Client had: A monthly mortgage payment on the BTL property of £1.1k Rental income from [...]

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Protecting today & securing tomorrow – a look ahead to 2020

In his latest blog, Johnny Timpson takes a look ahead at 2020 and the regulatory changes which will require us to continue to work in our customers’ best interests: Find out more

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New, more inclusive LV= Life and Critical Illness Cover for modern families

LV= have refreshed their critical illness product to make it even more comprehensive! It covers a wide range of conditions and features, and also includes a range of value added services as standard, meaning your clients can benefit from day 1. Supporting your clients through life changing moments LV= Life and Critical Illness cover allows [...]

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Lender criteria changes 31.01.20

Hodge Building Society Criteria change: 55+ Residential Interest Only Mortgage now available from age 50 Now available from age 50, their newly renamed 50+ Residential Interest Only Mortgage has been designed with flexibility in mind. Here's how: Hodge will consider earned income up to age 80 They'll consider future pension, investment, rental, and benefit income [...]

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Thought leadership

Skipton Intermediaries Skipton's view on Shared Ownership Shared Ownership is an affordable home ownership scheme available for both purchases and remortgages, and may be a more affordable option for eligible first time buyers to get on to the property ladder. You can find out more about Shared Ownership in their exclusive guide here. Alex Beavis, [...]

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Customer retention

Barclays Did you know? Remortgage Analysis of the market* suggests that between January 2020 and April 2020 over £61.9 billion worth of residential mortgages and almost £7.5 billion worth of Buy to Let deals are coming to the end of their terms. There are many reasons to choose Barclays for your clients’ needs. But, did [...]

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Projected Income – Solutions for Complex Income Types

Taking all income solutions into account. For clients with new or recently established businesses, sourcing a commercial mortgage can often be challenging, with mainstream lenders requesting proof of multiple years income to establish affordability. When these difficulties arise, Crystal can assist you with their flexible solutions using ‘projection led income’. For your Commercial Finance needs, [...]

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Buildloan roadshow 2020… Self-build, custom build and Right to Build

9 venues across England and Wales Buildloan roadshow 2020 starts on Wednesday 11 March at Ramside Hall in Durham. Watch a short video on the benefits of Buildloan by Stuart Bryce, National Relationship Manager. View the locations and dates below: Benefits of BuildLoan

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Looking After Children’s Mental Health

Legal & General Protection Looking After Children’s Mental Health Around three children in every primary school class has a mental health problem and many more struggle with challenges from bullying to bereavement. Place2Be, a children’s mental health charity, has organised their sixth Children’s Mental Health Week from 3-9 February 2020. Schools, youth groups, organisations and individuals across [...]

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How they helped a contract worker with their first Buy to Let mortgage

Leek United Building Society How they helped a contract worker with their first Buy to Let mortgage The Leek United Intermediary Team were approached by a broker to see if they could help with a Buy to Let mortgage for a contract worker looking to purchase their first Buy to Let property from their sibling. [...]

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Give your clients control over their Lifetime Mortgage Lump Sum+

LV= Equity release At LV=, they understand that people’s circumstances change, especially in later life, that’s why they want to offer your equity release clients more freedom to manage the interest roll-up on their lifetime mortgage. They are delighted to announce the recent enhancements they have made to their flexible repayment option for Lifetime Mortgage [...]

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Rate Switching Made Easy

At Metro Bank, they reward loyalty. Existing residential mortgage customers with loans up to £2m can choose from their best rates with no fees and they also offer a reduced fee of £499 for Buy to Lets. Online Rate Switching highlights NEW – No product fee for residential loans up to £2m Switch up to [...]

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‘Short & Sweet’ term borrowing?

Short term borrowing? They'll keep things sweet If your client's FINANCES ARE COMPLEX, the property they've found is UNUSUAL or they have any other complication factor like AGE or required TERM... challenge them to help. A bridging alternative: short term lending Lending case study: short term & interest only If, for example, your client needs [...]

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See Specialist Finance in 2020

How can TLE help add value at your firm? Set your sights on improving revenue this year with on-site, tailored training from TLE. Product Experts for Second Charge Mortgages, Bridging Finance, Commercial Mortgages and Specialist First Charge Mortgages. Great Service and In-depth technical knowledge is the standard we expect to deliver at TLE… but our [...]

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Kick start business with bridging

Now New Year's resolutions are in full swing, and the property market is stimulated from recent political changes - what will help launch a property professional back into the market? Being fast is a quality which many property professionals adopt to stay ahead in a competitive market. But how can you provide fast, competitive finance [...]

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Criteria changes this week…

Coventry for intermediaries launches 95% LTV mortgages. Coventry for intermediaries has today launched a range of mortgages for borrowers with just a 5% deposit. The new mortgages are fixed for 5 years and have a maximum loan size of £400,000, even for first time buyers. The 95% LTV* range is available for purchase and further [...]

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Traditional mews or penthouse views? They’ve got BTL covered from A to Zephyr

Whether it’s a standard or specialist property they’re confident they can help. From bog standard properties to MUFBs, 100% flat roof to HMOs and minor adverse allowed across the full range, there are plenty of reasons to send cases their way – here are a few more… STANDARD RANGE Individual and Limited Company applications for [...]

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New Help to Buy Mortgages

The Melton are delighted to launch two new Help to Buy products to support the growing number of first time buyers and existing Help to Buy homeowners who are facing affordability challenges. The Melton will consider Help to Buy remortgage applications in the following scenarios: Equity loan remortgage - where the full equity loan remains [...]

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Remortgaging in Later Life research report

The Family Building Society delighted to announce the publication of their new research report, ‘Later life borrowing in a world that’s living longer’. Working with the London School of Economics they have examined why older borrowers remortgage and what they do with the funds. They would like to thank those of you who took the [...]

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Mobile phone optional accidental damage launch!

A new enhancement to Paymentshield’s home insurance To help support the value of your advice and ensure their 5 Star Defaqto rated Home Insurance continues to be one of the most comprehensive on the market, Paymentshield’s Accidental Damage to Contents optional extra now covers mobile phones in the home! Whether your client breaks their phone by accidentally [...]

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Holiday Let Case Study from The Mansfield

In the latest case study from The Mansfield, see how they helped a portfolio landlord purchase a holiday Buy to Let with several areas where a flexible approach was needed, including: Unusual property – locally sourced materials and right of way over land required Self-employed portfolio landlord with nine background buy to lets Flexible affordability [...]

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Are you missing out on the income protection market?

Are you missing out on the income protection market? Income protection is the under sold product that’s starting to create huge waves in the financial market. In 2019, according to figures obtained from the Exchange Portal provided by fintech company Iress, income protection sales for Q1 reached a record-breaking growth of 50%1. The under 30s also [...]

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Interview – Phil Quinn, Pepper Money

Their latest interview is with Pepper Money. Impact's MD Dale Jannels spent time with Pepper Money's Phil Quinn to discuss the specialist market, their offerings and what is in store for 2020. Pepper Money has run a great campaign over the last few months on 'mission possible' and helping those who are self employed, have adverse [...]

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UK Equity Release Market Monitor

Equity release market hits £3.4 billion in 2019 Retired homeowners released more than £3.4 billion of property wealth last year but this is down on 2018 figures, data from over-55s specialist adviser Key shows. Text on the button

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Top Trick #19 Choose a specialist that understands changing times

At Kent Reliance for Intermediaries, they assess each case individually, which means they could help where others can’t. Kent Reliance's broad lending criteria includes considering self-employed applicants with one year of accounts, and accepting guarantors, which makes them an ideal choice for brokers looking for a mortgage solution that fits the individual needs of their [...]

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Equity Release Academy – Helping you revise for your exams

Registrations are open for the next round of Equity Release Academies. They’ll help you revise for your equity release exams as you prepare to grab your share of the lifetime mortgage market. Find out more and register

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No More Crystal Application Fees!

Due to the success of last year's campaign to remove their application fee they are happy to let you know... It's back! Crystal are dedicated to the intermediary and they aim is to help you secure more specialist finance business for your clients. In light of your feedback they have removed the application fee* on all business [...]

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2020 vision for Buy to Let Jane Simpson, managing director at TBMC says:

It is expected that gross Buy to Let lending in 2019 will be recorded at around £37 billion but what are the prospects for this sector in 2020? Some industry pundits have suggested that Buy to Let lending may fall slightly during the coming twelve months as the relatively buoyant remortgage market in 2019 begins [...]

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Positive Lending: Supporting you in 2020

Positive Lending asked Jaxon Stevens, National sales manager at Positive Lending, how he and his team of Regional Account Managers support intermediaries across the UK, here's what he said: "The support you need, where and when you need it, with face-2-face meetings for you and your team, at your office or at a place that [...]

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Deliver Buy to Let mortgages the High Street can’t

Are your clients struggling to pursue their portfolio goals with High Street lenders? As the property market is anticipated to pick up in activity, don't let your clients down with lenders unable to meet their needs. With Vantage Finance you can deliver competitive Buy to Let mortgages with access to lenders offering flexible terms and [...]

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2020 Vision – Bringing first time buyers into focus from Deb Bree

A changing mortgage decade The past decade has seen huge changes in the mortgage market and property ownership put under the microscope like never before. As we start a new decade, many of the innovations and developments we have seen will continue to feature and new ones will appear to further transform the needs of [...]

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Turning first time triers into first time buyers

First time buyers are determined to achieve their dream of home ownership. With Skipton's product range designed with first time buyers in mind, which includes cashback on selected products following completion, you could help them achieve it. With first time buyer mortgages, it’s all about the numbers… Up to 95% LTV. £1000 cashback on selected [...]

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Refinancing with Specialist Finance just might be the best option…

Refinancing with Specialist Finance just might be the best option The Loans Engine panel of specialist lenders offer a huge range of products for Clients with varying circumstances and resources. Solve more of your Clients refinancing needs, try TLE. Quick Quote now If your Client identifies with any of the below, The Loans Engine Specialist [...]

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Enhancements to income and expenditure process

What you need to know...... Central Trust have made changes off the back of feedback from their valued brokers and partners. Going forward, once an illustration has been produced the case checklist will list any further information required to back up the expenditure figures entered. This will provide greater clarity to their affordability decision. So, [...]

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What is the real cost of Christmas?

The festive period at the end of the year can be an expensive time, but how much does ‘putting Christmas on the card’ cost? Leading UK debt charity, StepChange, has published its research into the real cost of Christmas, with some eye-catching headline figures: 33% of those surveyed said they would be using credit to [...]

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Buy to Let covered from A to Zephyr

If you don’t know about Zephyr Homeloans already, we’re a dedicated buy-to-let lender, providing a range of mortgage products focused on meeting the needs of individuals and Limited Companies. From bog standard properties to MUFBs, 100% flat roof to HMOs and minor adverse considered across the full range. Plus, an experienced team of regional and [...]

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Opportunities to build your business

Metro Bank hope you had a wonderful festive break and New Year - enjoying the time with your family and friends. There are a lot of exciting things planned for this year, here are just a few ways in which Metro Bank can help you grow your business in 2020. Opportunities to build your business [...]

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Leek United recognised in Moneynet awards

Leek United is delighted to have been awarded ‘Highly Commended’ for the second year in a row in the Best First Time Buyer Mortgage Provider category in the 2020 Moneynet Personal Finance Awards. These prestigious honours recognise the top financial services providers and products in the last twelve months. This is the second time in [...]

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Going further for you and your clients

2019 was a busy one for L & G. Here’s a quick recap ready for 2020 on how they’re helping make your life easier by helping you help your clients. Products designed to meet your client’s needs They don’t believe in one size fits all. That’s why L & G created a new product as [...]

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Interest-only revamp could benefit adverse borrowers

Figures published in the summer by UK Finance showed that over the past seven years, the total number of interest-only mortgages has fallen by more than half (54 per cent), from 2.5m in 2012 to 1.23m in 2018. The number of interest-only loans set to mature by 2020 shrank by 91,000 in 2018 to 126,000 [...]

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Increase in limited company vehicles for BTL purchasing

The popularity of using a limited company vehicle for landlords to purchase Buy to Let properties continues to grow. Q3 research from Foundation Home Loans revealed that the number of landlords planning to buy their next property within a limited company vehicle has jumped significantly in a few months. Almost two-thirds of landlord’s plan to [...]

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Benefits of BuildLoan

Watch National Relationship Adviser Stuart Bryce as he discussing the benefits of BuildLoan as they are a specialist in: Self build Custom build Renovations Conversions Knockdown rebuilds Extensions Development finance Bridging loans View the video now.

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Impact interview with Justin from Octane

In the first of a number of interviews, impact packaging director Dale Jannels interviews Octane Capital's Justin Cooper. Justin talks through the market, Octane’s offerings and whether your loan is big or small, if the challenge is outside of most lender's comfort zone, Octane promise you it's right at the centre of theirs. Click on the picture [...]

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TMA Open time and commission payments

Working over the Festive period? So are we... The TMA Broker Support Desk will still be open over the Christmas period. See a list of our open hours and further information about our Christmas commission runs below: Monday 23rd December 9am - 5pm Tuesday 24th December 9am - 5pm Wednesday 25th December CLOSED Thursday 26th [...]

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Say Hi to Help to Buy

Ladies and gentlemen, boys and girls. Their new 80% LTV Help to Buy (Scotland) mortgage is here and it's ready to take centre stage. Oh, no it isn't. Oh, yes it is! Perfect for first time buyers and home movers in bonnie Scotland. Take a look GRINNING FROM TIER TO TIER Whether your client has [...]

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Joint Borrower, Sole Proprietor

A great solution for customers looking to get on to the property ladder with some help from their family. JBSP Highlights Up to four applicants on the mortgage, with a minimum of one applicant on the property deeds - all four incomes considered Gifted deposit accepted from an immediate family relative Maximum age 80 considered [...]

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Made plans for Christmas?

Refer your cases to Crystal and earn commission while you relax this Christmas...   Made plans for Christmas? If you've made plans to close early for Christmas, but you still have many cases to wrap up why not refer them to Crystal and you'll still get paid!   Refer your non-regulated cases to us and we'll [...]

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A guide to Self Build

The Melton Building Society have recently updated their Guide for Self Build. Steps to Self Build Success: Project Planning Finding a building plot or property for renovation/conversion Design your home Choose a building approach Planning Permission Building Regulations Arrange finance How can you qualify for a self build mortgage? Other Costs to Consider Value Added [...]

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Bowel Cancer, protection – and beards

Every year, Bowel Cancer UK asks people to grow a beard during the month as part of ‘Decembeard’. The aim is to raise awareness and funds, to support research and lifesaving work. So December is an ideal month to grow a beard!   This also provides an opportunity to highlight the importance of critical illness [...]

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Income Protection that works when your client can’t, or even when they can

LV= know that sometimes it can be hard to translate the value of Income Protection to your clients. That’s why they include a range of value-added features at no extra cost, supporting your clients whether they’re working, not working or just getting back on their feet. This means you can easily demonstrate the true value [...]

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Its Beginning to look a lot like Christmas

Positive lending have continually seen business volumes increase dramatically in 2019. Due to both improved product availability and increased awareness of the specialist lending markets. This is in no small part down to many advisors just like you, who have engaged with positive lending in search of an alternative solution for clients in many different [...]

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Criteria enhanced across residential and buy to let ranges

Vida are pleased to announce that they have made some significant enhancements to their criteria to make it easier for you to do business with them. RESIDENTIAL Self-employed contractor income now assessed on Weekly Rate x 46 CIS contractors assessed using last 3 months’ payslips Interest only option available across all tiers Right to Acquire [...]

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Paragon now offer consumer buy-to-let for expats

An application will be considered a consumer buy to let mortgage contract if: ·         Either the borrower or a relative has lived in the property since it was purchased; or ·         At the time of purchase, the intention was not for the property to be let out; or The property was inherited, rather than purchased [...]

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Existing mortgage customers with loans up to £2m can choose from our best rates with no fees.

We’re bringing it back… Existing mortgage customers with loans up to £2m can choose from their best rates with no fees on their residential products and £500 off their buy to let product fees. Online Rate Switching highlights NEW – No product fee for residential loans up to £2m Switch up to 3 months early with [...]

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Hodge has launched a new live chat service

As Hodge continue to grow their mortgage business, they are committed to supporting their brokers with digital solutions that will make it easier to do business with them. Hodge appreciate how long it can take to find the right lender for some of your customers and their live chat service provides another channel to help [...]

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Change in BTL products and adverse range

With immediate effect Foundation Homeloans have made new change to their BTL products and updated adverse criteria. Summary of changes: Withdrawn ALL current BTL products Re-launch with new products First Time Landlordsare now available on BTL-F1 & BTL-F2 Products (This excludes HMOs, STLs & Large Loans) Adverse criteria has been amended whereby Credit cards has [...]

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Need to complete before Xmas but not getting the service from others?.. Call Crystal!

Crystal have lenders on panel covering all manor of specialist finance needs and have great relationships with underwriters. This helps them progress cases promptly which can lead to quicker completion times. Get in touch with Crystal's multi award winning team today on: 01827 301 070 and they will endeavour to find the right solution for [...]

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Finding a home for your hard to place cases

A recent report from IMLA ( Mortgage Market Tracker Q3 2019) showed that on average, firms handling specialist mortgages receive 28 DIPs each quarter and of these only 56% result in an offer*. If you are one of those firms who has an unusual cases and have been frustrated that nobody is listening at Buckinghamshire [...]

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THE CLOCK’S TICKING ON YOUR QUOTES & PENDING POLICIES

Arc is now a new provider of Landlord optional extras, which include rent protection, legal expenses and home emergency. This change of provider will bring some exciting improvements that we'll be sharing with you very soon! WHAT THIS MEANS FOR YOU Any quotes of pending Landlord's Insurance policies which include optional extras will only be [...]

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With HealthWise there’s less waiting

A reported 30% of people find it difficult to contact their GP practice by phone1, and when something is worrying, time is of the essence. With awareness and use of online medical services increasing1, the way in which we are managing their  health is changing. Moving towards a digital preference A recent study found that [...]

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Improvements to Virgin Money’s lending criteria

Virgin Money are a lender who works hard for their intermediary partners. That’s why they’re pleased to announce that they’ve made some improvements to their lending criteria: Affordability They have increased the maximum loan to income for some of your clients, meaning they can now offer higher loan amounts. Loan to income multiples for customers [...]

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SM&CR- The shift from responsibility to accountability

Johnny Timpson explains why SM&CR for insurance intermediaries represents a shift from responsibility to accountability. Read his blog to find out if you are SM&CR ready ahead of the 9th December deadline: Find out more

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Are CCJs and Defaults getting in between your client and their remortgage?

Pepper Money want to help make your mission: possible Remortgaging should be simple and straightforward, and, Pepper Money believe the value or number of CCJs and Defaults shouldn’t stop your clients getting a better deal. That’s why they’ve introduced NEW Residential and Buy to Let Limited Editions. Take a look at what they’re offering. Residential [...]

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Twelve days of Christmas returns, what will Knowledge Bank give to you?

Knowledge bank's 12 Days of Christmas campaign is back for the second year running, offering fantastic prizes to both existing subscribers and to those taking trials during this time. Chance to win Prizes include two tickets to a Manchester United home game, a £150 Ticketmaster voucher and a two-night 'glamping' break in the Forest of [...]

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How to spot equity release referral opportunities

When equity release isn't your core business it can be difficult to see the opportunities. Sitting in your client bank right now there will be people who could really benefit. Key Retirement can help you find them. Grow your business with Key Partnerships - the equity release referral service Book a quick call with an Account [...]

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Refer your clients to a whole-of-market equity release service with Age Partnership

According to our recent research, a vast number of clients did not understand the difference between tied and whole-of market-advice before they released equity from their home1. This means that many clients may be unknowingly choosing a service which can only offer them access to a restricted range of plans – possibly limited to only [...]

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Learn from the best industry experts with the Accord Growth Series

Accord Mortgages’ ‘Growth Series’, which provides content, guidance and support to brokers to aid their growth, now has well over  4,000 brokers signed up to receive £25,000 worth of support material. The initiative, launched in April 2018, provides essential free resources to help brokers grow their business. By signing up to the Growth Series brokers [...]

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LV= Personal Sick Pay: an IP solution designed for riskier occupations

LV= Personal Sick Pay is their specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, electricians and construction workers. It’s also ideal for clients who find it difficult to prove how much they earn, such as the self-employed or contract workers. It includes a [...]

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Want to take part in a ‘sleep out’ on the 5th December for Emmaus?

Hinckley & Rugby Building Society have arranged and are taking part in a ‘sleep out’ on the 5th December for their chosen charity Emmaus (supporting people to work their way out of homelessness, providing meaningful work, training, support and a stable home for as long as someone needs it.)   If anyone would also like [...]

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Self-Build and Second Homes criteria improvements

The Hanley Economic Building Society now accept applications for self-build projects, for a second home.   This applies with the following; Second Homes The definition of a second home is a property which will only be used by the borrower(s) for residential purposes e.g. holiday home, weekend home, future retirement property The property cannot be [...]

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HMOs the success story for landlords in Q3

HMOs the success story for landlords in Q3 2019 By Katie Newell Foundation quarterly survey of 883 landlords for Q3 2019 (via BVA BDRC) revealed that the rental yields for their HMOs, at 6.5% per year on average, far outshone the average rental yield for all property types of 5.6%. It is for this reason [...]

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Short term funding options from Crystal Specialist Finance

Whether your client needs extra funding quickly for a tax bill, debt consolidation, home refurbishment, starting a business or to break a chain; Second Charge Bridging Finance could be the solution for you. Crystal's dedicated team of experts are here to help with all of your secured lending needs and can assist obtaining funding for almost any situation or circumstance [...]

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Top tips for sourcing HMO mortgages

HMO mortgages The HMO sector has seen growing interest as changes to Buy to Let taxation have affected potential profits for landlords. Some Buy to Let investors have turned to HMOs for greater income yield and portfolio expansion. Top tips for sourcing HMO mortgages Assured Shorthold Tenancy - check the number of ASTs your client has [...]

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Fresh thinking for a new tax year

The 2017/2018 tax year saw 6/10 landlords report an increase in their tax bill, and with the average tax increase hitting the thousands, is it time to consider a new outlook for the upcoming tax changes? By tax year 2020/21 the amount of mortgage interest costs a landlord can offset against rental be zero, replaced [...]

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Could a Super LTV be right for your customer? – OneFamily

Earlier this month OneFamily re-launched an enhanced version of their Super LTV Lifetime Mortgage. Their new Super LTV product has a reduced rate and completion fee along with a free valuation for properties valued at up to £1m in England and Wales, which is welcome news for those customers who are looking to maximise on [...]

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Vida simplifies product range

Vida Homeloans Vida have recently simplified their product range for residential, Buy to Let and Help to Buy with some accompanying literature. Criteria Guide HTB Guide

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Regional Workshops for 2019

Workshops are coming to an end…   We have Jackie Wassall’s last regional workshop of 2019 at St.Pierre Marriott Hotel & Country Club in Chepstow on 6th November 2019. There are few spaces remaining so register your place here! Justin Hawes last workshop will be at Epsom Racecourse in Epsom on 19th November 2019. Register […]

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Direct Magazine – Issue 12

Welcome to Issue 12 of Direct Magazine, our Directly Authorised Club News. This is a special technology edition, focusing on what is available in the market across all areas that can help to support your sales process and back office.    Also in this edition, you will see our TMA Awards winners spread – can […]

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Encouraging men to talk about their mental health

It’s World Mental Health Day on the 10th of October and this year’s theme is suicide prevention. Through campaigns and people in the public eye sharing their stories, mental health is now part of the public conversation. Tragically, however, suicide remains the single biggest killer of males under the age of 45 in the UK1. […]

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Auction Purchase Case Study

Auction Purchase Case Study Auction purchases can be a great way of buying properties at a discount and potentially achieving quick equity growth. Typically, a property will be listed via an auction because it may be uninhabitable (think no kitchen or bathroom) or it may be that the vendors need to realise sale funds quickly […]

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Introducing a brand new intermediary portal

Paragon always looking at ways to make their intermediaries’ lives easier, which is why they’ve taken your feedback on board and developed a brand new intermediary portal.   They look forward to hearing about what you think! What’s new? Enhanced product search Pre-application mortgage illustrations See all your Paragon buy-to-let applications in one place Real-time […]

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LV= Income Protection: insuring your client’s most valuable asset.

Many of your clients might consider their most valuable asset to be their house, car, maybe their pension savings or the prospect of an inheritance. But like most, they’ll overlook the obvious – themselves and their ability to earn. Their income pays for everything – the essential everyday bills such as mortgage, rent, utilities and […]

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Have customers who are looking to build, renovate or extend?

You can’t miss the vast amount of building work going on locally.  In the main, it is by large property developers/builders, but we are receiving enquiries from brokers with customers looking to build their own dream home or renovate and extend their existing properties. This can also include knocking down the property and building a new one […]

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Income protection: 5 reasons it’s worth fighting for

For too long, income protection has lived in the shadows of life and critical illness cover. This is despite a quarter of UK adults saying they couldn’t survive financially if they were out of work for a month*. The truth is there’s no better way of protecting your clients from the financial impact of illness […]

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Precise Bake-Off!

Check out our Precise Mortgages Top Slicing Bank-Off entry! As you can see Malcolm Green was the star of the show! Great teamwork all! #TEAMWORK #TopSlicingBake #AMONSTERINTHEBAKING

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Hot Hot Hot

Things have been heating up out there for many advisors with temperatures in excess of 35° recorded in July. Well this is certainly no different for the team at Positive Lending who are continuing to help more and more clients month on month with more and more specialist solutions being provided. Positive lending beat all […]

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Chronic illness linked with financial distress

Anti-debt charity findings New research published by StepChange, the anti-debt charity, revealed that four million people have been ill with a chronic condition in the UK over the last two years1. 59% of these people were left financially worse off as a result with many left in debt and experiencing financial distress.   How can […]

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A tasty deal

Tasty Deal with the Food Group Utilising Homeowner Business Loans. Nine directors of the same company have secured a £1million funding package for their business – through second charge loans secured against their homes. The bosses at The Food Group needed £750,000 to clear an existing bridging loan and another £250,000 to invest back into their business, a […]

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New build properties

We are delighted to announce that from tomorrow (24/7/19) offers for new build properties across our entire product range will be valid for 6 months. We will be making mortgage offers for new-build properties valid for six months, whilst their valuations will now be valid for seven months. Our standard & limited company range is […]

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Shared Ownership: Success or Failure?

Shared Ownership, a year on… It is 166 years since we first started helping people to own their own homes, and we’ve now been offering your clients Shared Ownership for one year.   Our Shared Ownership proposition includes: 100% of maintenance and benefits received such as child tax credits, child benefits and universal credits accepted […]

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Leek improves key lending policy criteria

Leek United has made enhancements to key aspects of its lending policy that responds to both a changing mortgage market and the Society’s own lending strategy.  The policy updates will open up further avenues for customers and for brokers to assist more customers. The main policy changes are: We now accept income from self-invested personal […]

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TMA Awards voting open

Voting for the TMA Awards is officially open, now’s the chance to have your say on who you think deserves to win. Don’t forget there are three new categories where by you can nominate an individual in your firm.   Click here to vote. Voting closes 9th August.

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TMA Workshops

Our next round of workshops can be found on our events page. For more information click here.

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GI Enhancement

We are delighted to announce that Source and First2Protect are now available in the GI quote and apply engine powered by ToolBox.   For more information click here.

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VACANCY AVAILABLE

There is a vacancy available on the TMA team – could you be the person to fill the spot? We are currently looking for an Intermediary Development Consultant to join our ever-thriving TMA team. The candidate will provide an excellent level of support to intermediaries providing expert guidance to callers into the Broker Support TMA […]

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COMPLIANCE UPDATE

We are delighted to announce the release of two updated Compliance documents. The April 2019 Compliance Bulletin is available for download. This edition focuses on the SM&CR implementation, as well as recent updates from the FCA and Financial Ombudsman Service. Register here to receive Compliance Bulletin updates. We have also released an SM&CR Digest document. […]

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Happy Easter from TMA!

From all the team here at TMA, we hope you have a very happy Easter – and enjoy the four-day weekend! TMA will be open for business as usual on Tuesday 23rd April.

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TMA Webinars

Did you get the chance to tune in to one of our exclusive TMA Webinars? Nationwide Building Society/The Mortgage Works So far we’ve been joined by Adrian Scoates, Corporate Relationship Manager at Nationwide Building Society/The Mortgage Works, who spoke about their recent improvements and enhancements, as well as recommending his top 5 online guides! If […]

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WHEN YOU MOVE LAUNCH

Earlier this week, When You Move joined the TMA Conveyancing Panel. For more information on what When You Move can offer you, please visit the following page.

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TECHNICAL ISSUE WITH TMA PORTAL

Please be aware that we are currently experiencing technical difficulties with the TMA Portal on our website. We are hoping to be up and running again as soon as possible – thank you for your co-operation at this time. If you need assistance, you can call our Broker Support Team on 0330 303 0236 or […]

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POSTCODE CHANGE

Please be aware that the postcode of our Solihull office has now changed from B37 7YG to B37 7YT. For more information, please contact 0330 303 0236 or email hello@tmaclub.com.

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HAVING DIFFICULTY CONNECTING TO OUR PHONELINES?

If you’re struggling to connect to our phone lines, please email us directly at hello@tmaclub.com with your name, message and a number – and a member of the team will call you back shortly. We apologise for any inconvenience caused.

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CENTRAL TRUST LAUNCHES WITH TMA

Delighted to announce Central Trust Limited is the newest addition to our mortgage panel! Central Trust is a leading specialist lender with over 30 years of experience supporting brokers in the secured loan market. For more information, please click here: http://bit.ly/2UptNCG

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GI QUOTE & APPLY LAUNCH

This week, we launched the GI Quote & Apply Engine! To register to sign up to the TMA GI Panel, complete the following form: http://bit.ly/2RnPbGL Alternatively, if you have any questions, please call our Broker Support Desk on 0330 303 0236.  

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DIRECT MAGAZINE – WINTER 2019 EDITION RELEASED!

We are delighted to announce the Winter 2019 issue of Direct Magazine has now been released! Our quarterly club news will bring you all the latest updates from our lender, provider and master broker partners. In this edition you will also see features from the TMA team, as well as a 2019 wishlist from our […]

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CRITERIA HUB JOIN THE TMA PANEL

Great start to the week here at TMA HQ! We are pleased to announce that we have added Criteria Hub to our panel. Criteria Hub provide an online criteria sourcing platform for UK based mortgage professionals. To find out more, visit https://www.tmaclub.com or contact our Broker Support Team on 0330 303 0236

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WELCOME BACK…

A big ‘welcome back’ from the TMA team – we hope you enjoyed your Christmas and New Year break!   OFFICE HOURS: Please note that normal office hours have now resumed. As a reminder these are: Monday, Tuesday, Thursday & Friday: 9am-5pm Wednesday: 10am-5pm   COMMISSION PAYMENTS: Our normal service for commission payments have now […]

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CHRISTMAS OPENING TIMES

The TMA Support Desk will be on hand to answer your queries, here are our opening hours for the festive period: – Monday 24th December: CLOSED -Tuesday 25th December: CLOSED -Wednesday 26th December: CLOSED -Thursday 27th December: 9am-5pm -Friday 28th December: 9am-5pm   COMMISSION PAYMENTS The last guaranteed payment run will be on Friday 21st […]

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TMA ARE ON THE MOVE…

We are delighted to inform you of our office move, which will commence on the weekend of Friday 23rd November. The TMA team will be settled in our new office for Monday 26th November, and business will continue as normal. Although business will continue as normal, we hope you can appreciate that due to the […]

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TMA Webinar: Kensington

Our next webinar session is with Steve Griffiths, Sales & Distribution Manager at Kensington Mortgages Ltd at 2pm on Wednesday 21st November. This session is titled ‘Complex Doesn’t Mean Complicated’ and you can reserve your space here.

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DON’T FORGET: TMA’s exciting opportunity!

Please don’t forget about TMA’s exciting opportunity with some of our building society partners! We are giving you the chance to receive the full proc fee when you submit a mortgage application with any of the selected lenders, before 31st January 2018. For more information, please get in contact with the TMA team on 0330 […]

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Buckinghamshire Building Society launch 2 new EXCLUSIVE products

As of the week commencing 12th November 2018, Buckinghamshire Building Society launched 2 new exclusive products through TMA. You can view these, as well as all of our other products here.

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TMA launch with Stafford Railway Building Society

On Thursday 1st November, Stafford Railway Building Society joined TMA’s panel as our newest lender. For more information on Stafford Railway and what they offer, please click here.

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Nationwide Update Contact Details

Nationwide’s New Business telephone number has now changed. If you’re calling for an update on a case that you’ve already submitted, please call Nationwide on 0800 30 20 11 from 8am-6pm, Monday-Friday (excluding bank holidays) Once you’ve dialled, please select: Option 4 for mortgages Followed by option 1 for existing applications, and Option 3 for […]

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Vote for TMA in the Mortgage Introducer Awards 2018

On Wednesday 28th November, the 2018 Mortgage Introducer Awards will be underway. TMA have been nominated for two awards this year – and we need your votes! Our nominated categories are ‘Mortgage Club of the Year 2018‘ and ‘Mortgage Introducer of the Year 2018‘. If you believe TMA deserve the MI crown, then be sure to vote […]

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Precise Mortgages’ Director of Sales: “Is your customer ready for the HMO changes on 1st October?”

Did you know tens of thousands of HMO landlords could be affected by two new rules which are due to come into effect on Monday 1st October? Director of Sales at Precise Mortgages Roger Morris, explains which properties will need licensing and talks about the changes to minimum room sizes. Click here to read the […]

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TMA Launch with Saffron For Intermediaries

We are delighted to announce that Saffron For Intermediaries joined our lenders panel earlier this week. To access their exclusive TMA web page click here: https://bit.ly/2N6kKCT

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