Blog Archive

Handcuffs resting on money next to a small wooden houseBlog
November 15, 2024

Scheme abuse

Scheme abuse This is when a customer hides their true intention behind buying a property to gain a mortgage that would otherwise be unattainable. For example, a customer could apply…
Handcuffs resting on money next to a small wooden houseBlog
November 15, 2024

Occupancy Fraud

Occupancy fraud This is obtaining a mortgage for a property as an investment, for example as a BTL, and subsiquently the applicants live in the property as their primary residence.…
Blog
November 12, 2024

A look in to limited company growth in the 2024 BTL market

Despite a decrease in overall landlord purchases since pre-pandemic levels, the formation of limited companies to own rental properties continues at a remarkable pace. Analysis of Companies House data from…
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November 11, 2024

Employment Fraud

Employment fraud This type of fraud refers to applicants who lie about some aspect of their employment to persuade a lender to advance an increased amount of money. This could…
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November 8, 2024

Identity Fraud

Identity fraud Identity fraud, or ‘ID theft’, involves the use of a person’s stolen details to commit crime.  They might do this because the victim will be more acceptable a…
BlogTMA Blogs
November 7, 2024

Industry Round-up – November edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. The Chancellor's latest announcements have certainly stirred the pot.…
Blog
November 5, 2024

Budget a ‘game of two halves’ for all buy-to-let stakeholders

In essence, the Budget – like many a good football match – was a game of two halves, particularly for landlords. A somewhat pleasing start with your ‘team’ as an…
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October 28, 2024

Calling All Brokers: Ignore New Build At Your Peril

I decided to take a look at New Build this month and to look at this topic in the context of what’s currently going on in the wider environment, and…
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October 28, 2024

Unlocking the door to new build options

New build properties play a crucial role in easing the pressure on existing housing stock and remain attractive to a wide range of buyers, including first-time buyers (FTBS), growing families,…
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October 28, 2024

Helping a young couple in securing their first home

Tilly and Nick’s Journey to Homeownership Tilly, an IT Manager, and Nick, a newly-qualified teacher, both in their late 20s, had been living with Tilly’s parents in Lancaster for several…
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October 28, 2024

New Builds: New Perspectives

New build properties are an increasingly popular choice in the UK, especially for first time-buyers (FTB’s). 17%  of Skipton’s mortgage lending was on a new build home in 2023 and…
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October 28, 2024

Navigating the new build market

As the housing market continues to evolve, new build properties offer both opportunities and challenges for mortgage intermediaries, especially in supporting first-time buyers (FTBs) and addressing the rising demand for…
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October 17, 2024

The next generation of Buy to Let Landlords waiting in the wings

Labour has ambitious plans over the next five years regarding new homes and has set itself a target of building 1.5million, delivering the biggest boost to affordable housing in a…
BlogTMA Blogs
October 11, 2024

Industry Round-up – October edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. As autumn unfolds, we eagerly anticipate the budget reveal…
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September 9, 2024

Three tips for crafting the ultimate protection strategy

It’s been a year since Consumer Duty came into force. Reflecting on its cross-cutting rules for supporting good client outcomes, we’ve put together three tips for crafting the ultimate protection…
Blog
September 9, 2024

Anne’s Story

The importance of income protection must be seen to be believed, and Anne’s story is a captivating, real life example of just that. Cirencester Friendly have produced their first-ever Member testimonial…
BlogTMA Blogs
September 6, 2024

Industry Round-up – September edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. As summer fades and the school year begins, I…
BlogProtection
September 5, 2024

The Income Protection Professionals

It’s been a year since Consumer Duty came into force. Reflecting on its cross-cutting rules for supporting good client outcomes, we’ve put together three tips for crafting the ultimate protection…
BlogProtectionTMA Blogs
August 27, 2024

How to Increase Your Protection Business: A Guide for Mortgage Brokers

As a mortgage broker, your role extends beyond securing mortgages. By incorporating protection insurance into your client conversations from the start, you're not only fulfilling your duty to avoid foreseeable…
BlogTMA Blogs
August 8, 2024

Industry Round-up – August edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. July has flown by, and we are finally feeling…
Blog
July 16, 2024

How the Cost-Of-Living crisis affects the over 50s

Recent research we carried out1 found that 32% of people aged 50 to 79 consider themselves vulnerable, with money as one of the main issues. Nearly half (41%) of respondents…
BlogTMA Blogs
July 12, 2024

Industry Round-up – July edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. England secured their spot in the finals with a…
BlogProtectionTMA Blogs
July 9, 2024

Protecting your Clients: The Importance of Accurate Information

We understand that protecting your clients' families is your top priority. Life insurance and other protection policies are there to ensure your clients' loved ones are cared for, should the…
BlogProtectionTMA Blogs
July 5, 2024

Are you discussing Protection value add-ons with your clients?

In today's market, protection policies offer more than just the basics. Similar to mobile phone plans, protection providers now offer additional benefits that can greatly impact your clients policy decisions.…
BlogTMA Blogs
June 28, 2024

How Aldermore are backing Britain’s contractors

Aldermore is giving you and your contractor clients more choice and flexibility, so they can access the mortgage they need.Contractors in the UK are a pretty diverse bunch, from locum…
BlogProtectionTMA Blogs
June 24, 2024

Quality Protection Every Time

Are You Evaluating the Quality of Your Protection Business? It's essential to review the quality of the protection policies you place with providers. All insurers can report on quality metrics…
BlogTMA Blogs
June 17, 2024

How to prevent mortgage fraud: A broker’s guide

In the UK property sector, a staggering 1.1 million cases of property fraud were reported between April 2022 and March 2023, a 15.3% rise compared to the same period the…
BlogTMA Blogs
June 7, 2024

Industry Round-up – June edition

Welcome to this month’s Industry Roundup, bringing you up to speed with industry insights, regulatory updates, and the latest TMA news. Hello June! As we welcome this new month, curiosity…
BlogTMA Blogs
May 28, 2024

Busting the Myths About Specialist Lending

In the current climate, with the increase of cost of living, the intermediary market has witnessed a notable rise in specialist lending cases. This also reflects the data we have…
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May 20, 2024

Maximising Consumer Benefits: referring home insurance leads as a mortgage adviser

In the complex landscape of homeownership,navigating through all the available insurance options can often feel like manoeuvring through a maze. Home insurance, a vital shield against unforeseen calamities, is vitally…
BlogProtection
May 10, 2024

How does Mental Health affect Income Protection policies?

This week is Mental Health Awareness week (Monday 13th – Sunday 19th May), protection providers are aware your and your clients mental health is important, therefore they provide additional benefits…
BlogConsumer Duty
May 9, 2024

Your Consumer Duty Annual Assessment

Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
legal and general logoBlog
April 26, 2024

Improved protection, additional payments and cover without the cut off

Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
paymentshield logoBlogConsumer Duty
April 16, 2024

Advise or refer? Ensuring the best possible outcomes for your clients

Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
Two finfluencers posing for a photoshoot in an office spaceBlog
April 12, 2024

Are finfluencers putting your customers at risk?

Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
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April 5, 2024

BBR cuts should bring more competitive mortgage pricing

BBR cuts should bring more competitive mortgage pricing. Last month’s decision by the Monetary Policy Committee (MPC) to hold Bank Base Rate (BBR) for the fifth time in a row…
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February 21, 2024

Creating the future of BTL Mortgages

Creating the future of BTL Mortgages. By Folasayo Bakare, Product Team LeadThe ambition of LendInvest Mortgages is clear: make every mortgage simple by bringing people and technology together for a…
Blue toy umbrella and wooden doll figures.Blog
February 21, 2024

Are you including GI in every conversation with clients?

Get all the support you need when discussing general insurance with your customers. With our panel of providers and referral partners GI has been made simple.
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February 12, 2024

The alternative approaches required to serve the underserved

The Alternative Approaches Required to Serve the Underserved There’s definitely some wisdom in the old motto, “If it ain’t broke, don’t fix it.” After all, why spend time and effort…
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January 31, 2024

Supporting more people into home ownership

Supporting more people into home ownership By Lucy Lewis, National Accounts Lead, Skipton Building SocietyAccording to a recent report from Hamptons Estate Agents, 2023 saw a 10.2% jump in the monthly…
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January 17, 2024

Have you given second charge mortgages a second thought?

Have you given second charge mortgages a second thought for your clients? By Jeff Davidson, Head of Fluent PartnersJeff Davidson, Head of Fluent Partners, discusses how debt consolidation and home…
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January 2, 2024

How bridging offers a path to certainty in 2024…

How bridging offers a path to certainty in 2024... By Victoria Barnard, Business Development Manager, LendinvestRegardless of the customer, everyone who wants a mortgage this year wants certainty that they…
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December 14, 2023

Helping advisers explain the cost of childhood cancer to clients

Helping advisers explain the cost of childhood cancer to clients By Rachael Welsh, Head of Marketing, GuardianThe shape of working and family life has shifted over the years. The idea…
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December 7, 2023

Unlocking opportunities in a challenging market

Unlocking opportunities in a challenging market According to the latest data from the Bank of England, net mortgage approvals for house purchases fell from 49,500 in July to 45,400 in…
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November 29, 2023

Another key criteria enhancement from Hodge…

Another key criteria enhancement applications on properties higher than six storeys now accepted Hodge is removing height restrictions from its lending criteria, meaning it will accept applications for mortgages on…
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October 27, 2023

Support BTL clients better, with our help and insight

Support BTL clients better, with our help and insight Let's be honest, the current BTL landscape is a bit of a mixed bag. 25 enquiries received from prospective tenants for…
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October 13, 2023

Unlock new possibilities for your later life clients

Unlock new possibilities for your later life clients By Fran Green, National Sales Manager, more2lifeNow, in the final quarter of 2023, our industry is still feeling the effects of last…
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October 3, 2023

Walking in the shoes of today’s RIO customer

Walking in the shoes of today’s RIO customer If life begins at 40, then why would we treat over 50s as though it’s time to start winding down and setting…
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September 26, 2023

Does more homes on the rental market, mean opportunities for landlords?

There are more homes on the rental market, does this mean more opportunities for landlords? More and more properties are being put up for rent, according to reports released this…
Real estate and standing out concept, One house model ahead of the others, red color backgroundBlog
September 25, 2023

What is a Mortgage Club?

Find out how you can benefit from the compliance support and flexibility of a mortgage club like TMA. Get in touch and sign up for TMA Club now and join…
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September 25, 2023

How brokers can engage with clients and create opportunities

How brokers can engage with clients and create opportunities Rising interest rates and stubbornly high inflation means many of your clients are under considerable financial pressure right now. Some will…
Family silhouette in the sunset on beach vacationBlogProtection
September 20, 2023

Overcoming Customer Barriers to Income Protection Insurance

What is Income Protection Insurance? Is it worth selling? Find out how you can better protect your clients with an insurance policy designed to cover loss of earnings in the…
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September 8, 2023

Earlier deals for existing customers

Earlier deals for existing customers By Andy Cooke, National Account ManagerBank of Ireland for Intermediaries’ online product transfer service makes it quick and easy to secure a new mortgage rate for…
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September 1, 2023

How could equity release impact your client’s lives?

How could equity release impact your client’s lives? By Kay Westgarth, Sales Director at Standard Life Home FinanceStandard Life Home Finance’s Horizon lifetime mortgages are creating more choice and peace…
Person attaching a life preserverBlogConsumer DutyProtection
August 1, 2023

A huge protection opportunity for adviser firms?

a huge protection opportunity for adviser firms? Shelley Read, Senior Intermediary Development and Technical Manager at Royal London, considers where advisers can find the protection opportunities within the Consumer Duty.…
Packed bag on a boatBlogConsumer DutyProtection
August 1, 2023

Unpacking Consumer Duty: What do ‘good client outcomes’ look like?

Unpacking Consumer Duty: What do 'good client outcomes' look like? At the heart of the new Consumer Duty regulations is a new consumer principle requiring firms to deliver ‘good’ client…
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July 25, 2023

Don’t be an Ostrich – the importance of assessing affordability

Don’t be an ostrich the importance of assessing affordability By Andrea Roberts, National account Manager, Hodge Ok, ostriches don’t actually bury their heads in the sand to avoid their problems,…
Blog
July 12, 2023

Are solo mortgages a trend being overlooked?

Are solo mortgages a trend being overlooked? By Adam Sheldon, National Account Manager at Kensington Mortgages With more people staying single for longer, and UK divorce rates rising, the need…
BlogConsumer Duty
June 9, 2023

Equity release referrals in a post-Consumer Duty world

Equity release referrals in a post-Consumer Duty world By now, you’ve likely heard of the Financial Conduct Authority's (FCA) new Consumer Duty principle being introduced on 31 July 2023. The…
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May 26, 2023

UK Mortgage market affordability challenges

UK Mortgage Market affordability challenges By Paul Brett, managing director, intermediaries at Landbay Affordability is more important than ever as the UK mortgage market has moved away from a low…
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May 23, 2023

Helping landlords with specialist finance

How could specialist finance help landlords make their properties EPC ready?   EPCs are more or less second nature to property professionals who deal with building, letting, or selling a…
Teamwork couple helping hand trust help silhouette in mountainsBlogConsumer DutyProtection
March 20, 2023

Meeting Consumer Duty obligations with trusts and advice

Meeting consumer duty obligations with trusts and advice Consumer Duty rules are coming fully into play in July this year, with the aim of substantially uplifting consumer standards. The rules…
BlogConsumer Duty
February 24, 2023

Consumer Duty: Principle 12

Consumer Duty: Principle 12 By Shane Tibbitts, Head of Strategic PartnershipsAre you prepared for Consumer Duty? With January behind us and our 2023 business plans launched, we are approaching, at…
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February 17, 2023

Take the first step to retaining your customers

Take the first step to retaining your customers. With 2023 bringing more opportunities for remortgage and product transfers this year, more than ever retaining your clients and reviewing their situations…
BlogProtection
January 27, 2023

Building business resilience in times of uncertainty

BUILDING BUSINESS RESILIENCE IN TIMES OF UNCERTAINTY By Mike Pritchard, Commercial Manager (Distribution Quality & Retention), Legal & GeneralWe all have bills to pay, decisions to make on expenditure and…
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January 18, 2023

PRS Fundamentals Provide Avenue for Portfolio Expansion

PRS Fundamentals Provide Avenue for Portfolio Expansion By Steve Cox, Chief Commercial Officer, Fleet Mortgages We are now well into the new year and as advisers you are probably starting…
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January 5, 2023

Looking Ahead at the Buy-to-Let Market in 2023

Looking Ahead at the BTL Market in 2023 By Steve Cox, Chief Commercial Officer, Fleet Mortgages So here we are, 2023 has arrived, and the mortgage market appears to have…
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December 22, 2022

Multi-title split for portfolio landlord

Multi-title split for portfolio landlord A broker approached Keystone with an applicant who had built 2 executive homes and a MUFB of four flats on a single plot of land.…
cut-outs of people climbing stepsBlogProtection
December 21, 2022

It’s time to get on the front foot

It's time to get on the front foot By Jacqui Gillies, Marketing and Proposition Director, Guardian Financial Services As the cost-of-living crisis bites, we surveyed and interviewed advisers and industry…
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December 1, 2022

Shorter days and smaller BTL properties

Shorter days and smaller BTL properties By Adrian Moloney, Group Intermediary Director, InterBay There’s now a noticeable winter chill in the air, along with an abundance mulled drinks and festive…
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November 30, 2022

Round-up of 2022 and what 2023 may hold

Round-up of 2022 and what 2023 may hold By Sam Davis, Senior National Account Manager, GuardianWhat a year. So much has happened, and little of it happy news. We know…
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October 26, 2022

Self-employed client struggling to find a residential mortgage?

Self-employed client struggling to find a residential mortgage? By Liza Campion, Head of Corporate Accounts, Kent Reliance for Intermediaries Here's how Kent Reliance for Intermediaries could help. There weren’t many…
BlogNews
October 10, 2022

Update on Inclusion & Equity in the world of mortgages

“Almost a year ago, AMI released their Viewpoint on Diversity and Inclusion within the Mortgage Industry. This report and accompanying session, shone a light on some of the issues facing…
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October 10, 2022

Forewarned is Forearmed

FOREWARNED IS FOREARMED. By Adrian Moloney, Group Intermediary Director, Precise Mortgages We need to be ready for a leap in the number of borrowers with less-than-perfect credit records, through no…
Bluestone Mortgages for intermediaries logoBlog
October 6, 2022

The New Mortgage Landscape

THE NEW MORTGAGE LANDSCAPE. By Mark Hollands, Head of Sales and Distribution, Bluestone Mortgages The phrase ‘unprecedented times’ is usually associated with very rare occurrences. Still, I seem to see…
umbrella held over wooden figuresBlogConsumer DutyProtection
September 27, 2022

Fulfilling your Consumer Duties – four things you need to know

FULFILLING YOUR CUSTOMER DUTIES. FOUR THINGS YOU NEED TO KNOW By Clare Moffat, Head of the Intermediary Development & Technical Team The industry has less than 12 months until the…
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June 17, 2022

VULNERABILITY AND YOUR CUSTOMERS – WHY IT’S TIME TO REASSESS

VULNERABILITY AND YOUR CUSTOMERS WHY IT’S TIME TO REASSESS By Andrea Roberts, National Account ManagerLet’s set the scene, you’ve got an affluent fifty, sixty or even seventy-year-old client, they’ve got…
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May 31, 2022

A day in the life of…. Andy Cooke, NAM, Bank of Ireland for Intermediaries

A day in the life of…. Andy Cooke, National Account Manager, Bank of Ireland for Intermediaries How long have you worked in Financial Services? A year after graduating, back in 1994,…
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May 24, 2022

Why you should care about advising on later life for first time dads

FIRST TIME DADS ARE GETTING OLDER IF YOU ADVISE ON LATER LIFE, HERE'S WHY YOU SHOULD CARE. Emma Graham, Business Development Director Alright, first time mums too, but that narrative…
Leeds Building SocietyBlog
May 18, 2022

Morgtage Hub Enhancements: Making New Build Applications Easier

LATEST MORTGAGE HUB ENHANCEMENTS MAKING NEW BUILD APPLICATIONS EASIER Martese Carton, Director of Mortgage DistributionAs an evolving lender, Leeds Building Society is committed to the continual transformation of technology and…
Bluestone Mortgages for intermediaries logoBlog
May 10, 2022

The Rising Cost of Living: Reassuring Homeowners

THE RISING COST OF LIVING: IT'S TIME TO START REASSURING HOMEOWNERS Chris Holcomb, New Build and National Account Manager Over the last 12 years, there have been periods where inflation…
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May 9, 2022

Coming to the aid of victims of circumstance

COMING TO THE AID OF VICTIMS OF CIRCUMSTANCE Maeve Ward is Director of Commercial Operations at Central TrustCovid-19 has a lot to answer for. The past two years have been…
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May 3, 2022

How to meet the challenges your clients face when remortgaging

How to meet the challenges your clients face when remortgaging in 2022 Liza Campion, Head of Corporate AccountsAll of us have had to make adjustments to fit into the new…
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April 28, 2022

Recognising mortgage borrowers made vulnerable by the pandemic

RECOGNISING MORTGAGE BORROWERS MADE VULNERABLE BY THE PANDEMIC. Jon Round, group financial services director of LSL Financial ServicesWith the pandemic having had a significant impact on vulnerable customers’ circumstances, Jon…
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April 7, 2022

BTL Landlords Energy Performance Certificate rating

BTL LANDLORDS Energy Performance Certificate rating. Successive governments have one thing in common: they all seem incapable of leaving the buy-to-let sector along for any consistent length of time. Of…
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April 7, 2022

Set your self-employed clients up for success

SET YOUR SELF-EMPLOYED CLIENTS UP FOR SUCCESS Liza Campion, Head of Corporate Accounts, Kent Reliance for Intermediaries Moving up the property ladder can be tough for self-employed applicants, with many…
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March 22, 2022

Why are so many people releasing equity from their homes?

Why are so many people releasing equity from their homes? Des O'Hara, Adviser Development Manager, Access Equity ReleaseThe most recent figures from the Equity Release Council (ERC) show that equity release clients…
figurines of people stood next to a metal padlockBlogProtection
March 9, 2022

Prioritising the protection conversation

Prioritising the protection conversation Alarmingly, most people continue to run the risk of life shocks without having an appropriate back up plan to help them cope financially, practically or emotionally.In…
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February 25, 2022

It’s time we stopped calling later-life, well, later life

It’s time we stopped calling later-life, well, later life By Andrea Roberts, National Account Manager - North, HodgeEquity release is often still seen as the go-to product for those hoping…
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February 9, 2022

New Year, New Oportunities

NEW YEAR NEW OPORTUNITES By Lisa Martin, Development Director, TMA Club Here we are again, another new year and plenty of new opportunities! I’d like to kick off by sharing…
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February 9, 2022

In the Spotlight

In the spotlight With Kensington Mortgages Craig McKinlay New Business Director, Kensington Mortgages Robert McCoy Senior Product & Business Manager, TMA Club Rob McCoy, TMA Senior Product & Business Manager,…
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February 9, 2022

New Homes 2022 outlook

New Homes 2022 outlook By Craig Hall, Director of New Homes Financial Services, LSL Financial Services Demand vs Supply 2022 looks set to be another steady year for the new…
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February 9, 2022

Looking ahead in 2022

Looking ahead in 2022 By Stacy Reeve, Senior Policy Adviser, AMIIf we thought 2020 went quickly, it feels like we blinked and 2021 was over. For most 2021 was another…
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December 16, 2021

The age-old question for brokers: AR or DA?

The age-old question for brokers AR or DA? For as long as the profession of modern financial advice has existed, so has the question of whether to become a directly…
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November 30, 2021

Get first-time buyer clients on the ladder

Five ways to get your ftb clients on the ladder By Brad Rhodes, Corporate Account Manager at Platform, part of the Co-operative BankYour first-time buyer clients have plenty of barriers…
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November 16, 2021

Better than expected

Better than expected By Robert Sinclair, Chief Executive, AMIAMI’s Chief Executive, Robert Sinclair, tells us about the flourishing private rental sector and reminds us about the importance of letting customers…
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November 10, 2021

Does your landlord customer need help refurbishing a property before letting it out?

Does your landlord customer need help refurbishing a property before letting it out? By Liza Campion, Head of Corporate Account, Precise MortgagesWe're a nation of DIY lovers. When it comes…
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November 10, 2021

Did you know, Hodge can help your clients make the next years their best years?

Did you know, Hodge can help your clients make the next years their best years? By James Enos, National Account ManagerWe know only too well at Hodge that those living in…
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November 10, 2021

Plan ahead to capitalise on 2022, with Leek United

Plan ahead to capitalise on 2022 With Leek UnitedResearch indicates that Product Transfer business will rise to a staggering £187 billion in 2022. With £39.6 billion of mortgages expected to…
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October 12, 2021

Know economic abuse

Know Economic Abuse By Brad Rhodes, Corporate Account Manager, Platform Campaigning for what's right Our values and ethics have always been more than words on paper. They underpin how we…