LATEST PARTNER BLOGS:
Hodge
Another Key Criteria Enhancement
The Mortgage Lender
Support BTL Clients Better
More2life
Unlock New Possibilities For Your Later Life Clients
Standard Life Home Finance
Walking In The Shoes Of Today’s RIO Customer
LV=
Looking ahead to the future
As things start to wind down, now is a great time to prepare for 2024.
LV= have a range of CPD webinars running from January to support you with growing your protection knowledge, skills, and know-how.
Kent Reliance for Intermediaries
Solutions to support your MUFB clients
Client looking to purchase a multi-unit freehold property?
A multi-unit freehold property can be a bit tricky, a lot of mainstream lenders tend to shy away from them. Fortunately, Kent Reliance for Intermediaries don’t. Complex cases are our bread and butter, so we always look at applications on a case-by-case basis.
Here’s an example of how we could help multi-unit freehold clients
You’ve got an existing landlord client who wants to purchase a multi-unit freehold property to meet the strong demand from young professionals for accommodation in the area. The property is comprised of eight units, all of which are self-contained with their own bathroom, toilet and kitchen facilities. Your client needs to borrow £760,000 at 80% LTV and wants the units on a single freehold arrangement. You’re experiencing difficulties in finding a lender which can meet your client’s requirements.
Fortunately, we consider properties with up to 10 units and will accept applications with multiple units on a single freehold.
If you’ve got a case like this, why not get in touch to discuss further? Remember, we’re here to help guide you through your more complex cases.
To find out more about how we could help, speak with your business development manager, call our broker liaison team on 01634 888276 or contact us on Live Chat.
Vitality
A heightened need for protection
Despite a challenging economic environment, the need for protection, particularly income protection (IP), has increased for many individuals and households.
And, as we covered during our recent webinar, despite obvious concerns around affordability, it’s essential that advisers are having these conversations with clients.
Supporting your client conversations
We’ve created a range of useful resources which you can use when talking about our Income Protection Cover to your clients.
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Reality Checker – Income Protection Helps to highlight the growing need for income protection by producing a report that shows how long your clients’ savings would last if they had to stop working. |
Dual Deferred Period Calculator Our simple Dual Deferred Period Calculator enables you to work out the maximum benefit amount that you’re able to select based on your client’s sick pay scheme. |
Income Protection Cover sales aid Introduces our cover by looking at what’s included, the range of occupations we cover, plus, our additional options. |
LOUGHBOROUGH BUILDING SOCIETY
LENDING INTO RETIREMENT
Do you have clients that are coming to the end of their mortgage term or looking to extend their mortgage term?
Our Borrowing into Retirement mortgages have been specifically designed for older borrowers who are in or nearing retirement and need a mortgage term that will take them beyond the age of 80. We have no upper age limit which means you can take a mortgage for up to 35 years regardless of your age at the time you apply.
We do not assess the lowest earner as being able to maintain the mortgage.
- Maximum 60% LTV – No minimum equity required.
- Purchase, Remortgage, Transfer of Ownership, Capital Raising for Home Improvements, Debt Consolidation, Gift to Family, New Car, Care Home Fee’s, Holidays, Deposit on Second Home/Buy to Let all acceptable
- We will consider earned income past the age of 70 and Limited Company Directors with employees for the term of the mortgage.
- Applicants with Adverse Credit, Active DMP/IVA CCJ’s and Defaults consider by referral on our LIR – Prime Plus Product
In additional to our income requirement, we are can also accept the following benefits.
- Disability Living Allowance (DLA)
- Personal independence Payment (PIP)
- Constant Attendance Allowance (CAA)
- Pension Credit (PC)
The Mansfield Building Society
Help us improve our service and be in with a chance of winning £100 Amazon vouchers
We never take our relationship with mortgage intermediaries for granted and we’re always looking for ways to improve. To do this we’ve teamed up with Smart Money People so that you can give confidential feedback twice a year on how well you think we are doing.
Everyone that leaves feedback will be automatically entered into a free Prize Draw to win a £100 Amazon voucher. Only one entry per mortgage intermediary. Full terms and conditions apply.
Closing date for the survey and the Prize Draw is midnight Friday 12 January 2024.
Foundation Home Loans
Charting the rise in tenant demand, confidence and potential portfolio additions
As we reach the end of the year, there appear to be a number of positive trends emerging in and around the buy-to-let market and private rental sector (PRS).
Trends which certainly bode well for the next 12 months and hopefully beyond.
Kensington Mortgages
Merry Christmas video of our 2023 highlights
Legal & General
Cheers to 1 year of our Podcast!!
Guess what? It’s time to pop the podcast-shaped confetti because we’re celebrating the Podcastiversary of our Just Covered podcast. Across the year, we’ve been diving into the world of Protection advisors, soaking up insights, stories and having a lot of fun along the way. Thanks to all of you who’ve been a part of this success!
Listen – https://www.buzzsprout.com/2223383
Watch https://www.youtube.com/watch?v=-tYB_VeC4f0
And with our Christmas special live, now is the perfect time to tune in as we look back at the highlights of the past year and celebrate our achievements.
Feel you demonstrate brilliant customer outcomes and got your own story to share? Contact hazel.johnston@landg.com if you are interested in appearing on our podcast.
