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…
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…
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…
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…
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…
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…
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…
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.…
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…
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…
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…
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…
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…
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…
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…
Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
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?
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?
Is financial services latest social media trend going to cause problems for customers looking for finance advice? How will the FCA respond to finfluencers?
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…
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…
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.
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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.…
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…
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,…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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.…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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,…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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…
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,…
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…
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…
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…
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…
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…
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…
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…
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…
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…
How 2021 is setting the BTL scene for Q4 and into 2022
Landbay looks at how 2021 is setting the BTL scene for Q4 and into 2022 By Paul brett, Managing Director, IntermediairesAs the industry goes into the fourth quarter, brokers across…
Finding solutions for your self-employed clients By Liza Campion, Head of Corporate Accounts, Precise MortgagesThere are obvious benefits to being self-employed – the freedom of choosing which jobs to accept…
Self-Employed Resilience By Jonathan Evans, Business Development Manager, Scotland, Skipton Building Society for Intermediaries.The growth of self-employment has been one of the key features of the UK labour market for the…
Specialist lending solutions for limited company landlords
Could specialist lending have the solution for limited company landlords? By Liza Campion, Head of Corporate Accounts, Kent Reliance for IntermediariesIt’s hardy surprising that the pandemic has had a major…
A welcome home for remortgages When it comes to remortgages, there’s a warm welcome waiting for you at NatWest. We can consider cases up to 90% LTV including secured debt…
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…
New Build News Issue 1 By Robert McCoy, Senior Product & Business Manager at TMA Welcome to the first issue of our New Build Bulletin! This has been designed to…
Helping brokers take on adverse credit during adverse times
Helping brokers take on adverse credit during adverse times By Liza Campion, Head of Corporate AccountsWith Prime Minister Boris Johnson’s recent announcement that all legal lockdown restrictions will hopefully end…
Evolving client needs By Richard Tugwell, Director of Mortgage Distribution The mortgage market has been dynamic, challenging, exciting, volatile and rewarding in varying degrees for as long as I can remember.…
Life Stages – A look at protection linked to life’s journey
LIFE STAGES - A LOOK AT PROTECTION LINKED TO LIFE’S JOURNEY By Shelley Read, Senior Development and Technical ManagerAs my 21 year old son starts his adult life, a natural…
Striking a balance between adopting technology and managing Credit Risk
STRIKING A BALANCE BETWEEN ADOPTING TECHNOLOGY AND MANAGING CREDIT RISK By Peter Shuttleworth, Decisions Systems Manager and Aidan Walker, Credit Risk Manager, Skipton Building Society Balancing Risk and Reward When…
FIRST HOMES SCHEME LAUNCHES By Robert McCoy, Senior Product & Business Manager at TMAFirst Homes properties went on the market today as part of the first phase of an early…
Placing a spotlight on shared ownership By Liza Campion, Head of Corporate Accounts, Kent Reliance for Intermediaries With the nation having been forced to spend the most part of last…
HOW TO GROW AND PROTECT WEALTH IN 2021 AND BEYOND By Knight Frank FinanceMore than a year on since Covid-19 sent shock waves across the world, experts from Knight Frank…
The Importance of Building Societies in a Post-COVID World
The Importance of Building Societies in a Post-COVID World By Richard Groom, Head of Mortgage Sales While many are looking back over 2020 and the impact this has had on…
Access Equity Release, putting your clients first By Trevor Hanson, Business Development Manager At Access Equity Release they are proud of their excellent standards in customer service and quality advice.…
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