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Have your say!

We recently announced our TMA Awards are back for 2021!

Every year we like to celebrate the hard work and loyalty of our member firms, of all shapes and sizes, and we’re over the moon to be able to see some of you again face to face in November as we celebrate your successes at our Annual Awards on Friday 12th November.

As always, our partner award winners are chosen by you – our valued members.

If you believe you’ve received support from our partners over the last 12 months that deserves to be recognised, vote for them in the relevant categories.

Voting will be open until 5pm Friday 13th August – have your say!

Vote Now


Also, don’t forget to take part in our TMA Technology Survey, so we can better understand where our members need the most support when it comes to embracing technology into their businesses.

It only takes 5 minutes to complete, and will help us tailor our support to you and your firm, so please do take some time to complete our survey by clicking here.


Make sure your views are heard!

Do you think the mortgage industry is inclusive or should more be done?  If so, where do we start?

AMI want to hear from everyone who works in the intermediary sector. Whether you work on your own or in a small or large firm; you’re new to the industry or a veteran; you’re a broker, an administrator, a manager or a director – please take part today, share the survey with your colleagues and make sure that your views are heard.

The survey will take approximately 15 minutes. Please set aside enough time to complete it – it’s anonymous and not linked to you so it’s not possible to return to it later.

Your responses will only be used for research purposes. All information collected will be managed in the strictest confidence and you will not be identifiable.

A report on the findings of the research will be published at the end of September this year. Click here to start the survey now.


We are delighted to inform you Kent Reliance for Intermediaries have provided TMA members with a brand-new range of semi exclusive Buy To Let products at 85% LTV.


  • Up to 85% LTV now available
  • Maximum loan of £3m – more available by BDM referral
  • Rates from 4.99% on 2-year fixed
  • Rates from 5.29% on 5-year fixed
  • Available to individual and Limited Company/LLPs


2 year fixed, rate 4.99%, max LTV 85%, product code 01678 KBTL2106

5 year fixed, rate 5.29%, max LTV 85%, product code 01679 KBTL2106

Their new semi-exclusive Buy To Let product range, combined with their common-sense approach to lending and flexible underwriting, means you can help your clients with their cases without delay.

Exclusions apply.

View the semi-exclusive products here.

new exclusive FOR tma members for Landbay HMO landlords

We are pleased to announce a new exclusive product from Landbay for HMO landlords. This product is exclusively available via Complete FS, it sources extremely competitively. To ensure you have access to this Landbay Exclusive, remember to mention TMA when contacting / submitting cases to Complete.

  • HMO up to 6 beds
  • 3.39% Fixed for 5 yrs
  • Up to 75% LTV
  • 1.75% Product fee
  • ICR – 3.39% @125% or 140%
  • LOANS £30k to £1m

How can this Landbay exclusive benefit your customers?

  • HMO minimum property value only £120,000
  • Applicants need a minimum of 12 months BTL experience
  • Investment valuations rather than bricks & mortar
  • Student lets accepted
  • Day 1 Remortgages

Landbay are particularly targeting the HMO sector with products to meet growing demand from landlord customers.

If you have a landlord who is looking to diversify their portfolio using HMOs or an experienced HMO landlord, contact the team today on 023 8045 6999 option 2 or you can submit an enquiry using the link to Boris below.

Episode 2 – what are the post-pandemic opportunities in the broker market?

In the second and final part of this series, we’ll be talking about how we’re using technology to make the mortgage journey more efficient, what we’re doing to improve things for mortgage advisers and we’ll take a closer look at ‘green’ mortgages.

Join the discussion with David Hollingworth from London & Country, Victoria Hartley from Mortgage Solutions, Skipton’s Mortgage Product Lead Jen Lloyd and Regional Manager for Intermediary Relationships John Scrivens.

Watch the videocast.


Our 95% LTV residential fixed rates are available on our Joint Borrower, Sole Proprietor mortgage. Use our new residential calculator to find out how much we could lend your customers.

JBSP highlights

  • Up to four applicants on the mortgage, with a minimum of one applicant on the property deeds
  • Income can be accepted from up to 4 applicants at full income multiples, subject to affordability
  • Maximum age 80 considered (mortgage term based on the oldest applicant)
  • Gifted deposit from an immediate family relative can be accepted
  • Interest only and repayment options available (maximum LTVs apply)

JBSP case scenarios

  • First Time Buyer – parents helping their children who may find it difficult to raise a deposit or secure a mortgage based on their income alone.
  • Children helping their parents – for older borrowers whose circumstances have changed and they now require the support of a family member to continue to live independently in their own home.
  • Separation scenario – if your customer is separating and wishes to remain in the property and buy out their former spouse, but may have insufficient income to support a mortgage in their own right at the time of separation.

For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.

Got a case to discuss?

If you have any questions or need support, please get in touch with your BDM or call our Broker helpdesk on 020 3427 1019.

Find your nearest BDM here.

New Landbay HMO range benefits first-time landlords

First-time landlords can now enjoy the benefits of higher yielding HMOs via their 2 and 5 year fixed rate mortgages. These products are available with up to 70% LTV to landlords with less than 12-months experience.

Find out more by visiting

G is for Great News

We’ve just launched our new product range, featuring reduced rates across the majority of products in both our Standard and Specialist range. With such competitive rates and broad criteria, there’s never been a better time to get in touch with Zephyr.

View our new products.

Take look at some cases we’ve recently supported:

  • 20 property portfolio remortgage – offer underwritten in 3 days
  • First time landlord purchase, with limited credit history – expert underwriter discretion applied 4 bed
  • HMO remortgage for joint landlords – existing background portfolio of 103 properties
    Limited company purchase with 2 directors – limited credit history  assessed and accepted
  • High value, high-rise property purchase – large loan offered of £975,000 at 65% LTV
  • Joint landlord remortgage of standard 3 bed semi – Individual assessment of application

Why not see if your case fits, find your local BTL expert here or  call 0370 707 1894 – Monday to Friday 9am to 5pm.

Royal London logo

Additional anti money laundering (AML) checks

Earlier this year we got in touch to let you know about the additional AML controls we introduced to keep our customer’s information safe.

While it’s important that we continue to protect our customer information, we also want to reduce your admin burden. That’s why, having listened to your feedback, we’ll now be contacting customers directly for any evidence required to support a bank account check. We’ll do this via email, using the address provided in the application form, so please help us to help you by make sure this is always provided.

If we don’t receive a response after 4 weeks, we’ll contact you to ask for help. This won’t stop the plan from going on risk, but it’s important we get this evidence within 12 weeks of the plan starting or it could result in the plan being cancelled.

Thank you for your continuing support.

Find out what’s required

If a verification fails, we’ll ask for more evidence. Find out more about the documents we’ll accept, and how they can be sent to us.
Read more

Our Marketing Toolkit: New & Improved Features

After receiving great feedback on our adviser toolkit, this year we asked how we could support you further. Taking your feedback on board, we now have a range of digital resources added to our Marketing Toolkit.

Our Digital Resources: What’s Included?

Our digital resources available to you include a range of LinkedIn banners, social media adverts, customer/introducer facing presentations and our very own tailored email building service.

Click here to see the digital resources.

Don’t Forget Our Mix & Match Service

Create your event banners, mailshots, posters & press ads, with the freedom to make your materials your own:

✔ Choose your images

✔ Choose your title

✔ Choose your text

And we will do the rest.

A step up: A fifth of all equity release loans were gifted by the ‘bank of mum and dad in Q1

The ‘bank of mum and dad’ is playing a substantial part in the journey to home ownership as they seek to help their loved ones with funding towards house deposits and fulfil the wish to gift them an early inheritance and see the enjoyment that comes from it.

In Q1 2021 just over a fifth of all equity release loans were gifted to other family members, with an average of £56,917* used towards a deposit for a house. In fact, the bank of mum and dad has given £1 million a day to put towards house deposits for their children during the stamp duty holiday.

As we see how substantial the value of older homeowner’s property has become, and with gifting on the rise, the later life market offers great opportunities to help both older and younger generations fulfil financial requirements they may otherwise struggle to cover.

Key Partnerships provide a robust referral process that enables you to broaden your proposition to include equity release without the need for you to advise or take on the compliance responsibility. We enable TMA advisers to promote equity release to their clients by offering CII accredited webinars, as well as providing hands on support from our dedicated account managers alongside a direct adviser to adviser relationship. For every case that completes you’ll benefit from an average referral payment of £1,766**, and we keep you posted every step of the way.

To find out more contact one of our account managers today on 0800 138 1663 or visit

*Data provided by Key’s Market Monitor Q1 2021 Key Market Monitor Q1 2021

** Average referral payment across the UK in 2020


Protection HiiT Series
20th July
21st September

Virtual Workshop
Thursday 15th July



Q – What lenders will do a Ltd company BTL for a British client, who has been back in the country for 4 months, they have a residential property and also experience in BTL but no BTL at the moment?

Please give our broker support desk a call on 0330 303 0236 for more information.


Vida Homeloans
Evolving Client Needs

Skipton for Intermediaries
Striking a balance between adopting technology and managing credit risk

Royal London
Life Stages – a look at protection linked to life’s journey