Inform 24th May 2024

Bank of Ireland UK

Great news! It’s now even easier to contact us.

We want to make sure that working with us is as easy as possible. That’s why there’s now another way you can contact us!

For Bespoke queries your dedicated BDM and TBDM are still your first port of call. They can help you every step of the way including complex case queries, progressing cases straight to AIP and case updates.

But now you can also get answers to other queries through our new Intermediaries Live Chat*.

Our Live Chat team are on hand to help you with:

Pre-application queries including standard packaging requirements, affordability calculator and lending criteria queries
Applications in progress and existing customer queries – answers for your submitted cases and product transfers.

Try our new Live Chat today! We’re right here for you and your clients.

Start a pre-application Live Chat

Start and applications & existing customer Live Chat

*Live Chat is available from 9am to 5pm Monday – Friday, excluding Bank Holidays

Legal and General

Exciting Improvements to Your Existing Business Tool

Following on from our recent changes, We’ve made further enhancements to the Existing Business Agent Hub on OLP Connect. You’ll now experience an even more streamlined and intuitive system for managing your client relationships throughout the lifecycle of their policies.

We’ve introduced additional features to help you keep track of your clients’ policies, payment history, and claim status. We’re also bringing in more information on event history relating to reinstatements and declaration of health. This means you can stay informed and nurture your client relationships effectively.

We’re committed to continuously improving our tools to make your business processes smoother and more efficient.

Watch our how to video or view summary of our new changes here.

Zurich

Zurich Accelerate has launched!

Zurich Accelerate is a new optional benefit available with Zurich Personal and Income Protection policies. It provides access to experts from around the world to offer a package of medical care services for cancer, heart and neurological conditions.

It gives your clients fast access to consultations and diagnostics. it can also help access the latest cancer medicine and cancer clinical trials; as well as treatment abroad at some of the leading hospitals in the world.

Your clients have complete flexibility when it comes to using any of the six services Zurich Accelerate has to offer. They can choose which services to use and when, with the option to combine them with public or private healthcare, offering greater control over their healthcare decisions.

Find out more.

Barclays

Simplifying our Mortgage Application Amendment (PCV) process

We are fully committed to improving your experience of doing business with us.

You’ve told us that you’d like our PCV process to be simple and straight-forward.

You Said, We did – Update your application in the moment via LiveChat

We are pleased to share that we’ve improved our process and now you can make most changes to your application in the moment through our Live Chat service as an alternative to completing the form. What’s even better is that a transcript of your chat is saved automatically in the ‘Live Chat History’. Our team are available Monday to Friday from 9.00am to 6.00pm. Start an online chat by logging in to the Intermediary Hub.

Changes you can make via Live Chat include:

Lending requirements – purchase price, loan amount, maximum borrowing, loan to value
Mortgage product and term
New property details
Solicitor details
Updating commitments – for non-debt consolidation applications

And now there’s more….

For those who’d still like to use the form, we have also streamlined our Mortgage Application Amendment (PCV) form. The form is now shorter, simpler, and more flexible which allows you to explain any changes required.

The form has been designed using broker feedback, with a 25% reduction in the number of pages and a 40% reduction in the number of fields.

You now have the choice of either submitting the Mortgage Application Amendment form or making the change in the moment via Live Chat.

These enhancements represent our sustained efforts to improve your experience of doing business with us and we remain committed to keeping you informed every step of the way.

Thank you for your continued support.

Pepper Money

Misconceptions – Is education the key to attracting more customers?

Did you know that 98% of customers either do not know, or think they must wait longer than required before they can apply for a mortgage?

These were findings from our Specialist Lending Study, based upon a YouGov survey to over 6,000 nationally representative UK adults.

At Pepper we try to find the reason to say yes. So, we can say yes to your customers that haven’t had a CCJ or Default in the last 6 months.

For further info on our products click here

For further info on our Specialist Lending Study click here

6% No wait
2% Up to 6 months
4% Up to 1 years
5% Up to 2 years
7% Up to 3 years
1% Up to 4 years
8% Up to 5 years
21% Longer than 5 years
46% Don’t know

West One

Changes to our Residential and Buy-to-Let offerings

Residential Update

We are glad to announce that starting from May 22nd, we will be implementing new reduced mortgage rates.

Introducing a new 65% LTV option across our Prime Plus, Prime, and Near Prime products, with reduced pricing available for both fixed and lifetime tracker products.

5-year fixed rates starting from 5.87%
2-year fixed rates starting from 6.35%
Lifetime tracker products starting from 2.30% above BBR

Buy-To-Let Update

We are updating our 1st Charge BTL fixed rate product range, which will be accessible on our broker portal starting May 21^st, 2024. The modifications impact both our Limited-Edition and Core product ranges.

Here are some highlights of the changes:

2-year fixed rates now starting from 3.09%
5-year fixed rates now starting from 4.15%

Various fee options are offered across the product range, tailored to each specific product. Fees range from 2.50% to 9.99%, allowing clients to choose based on their unique circumstances.

e.surv

Give home buyers more reassurance

It’s live on the e.surv site: the April House Price Index! The news isn’t as good as it could be, but our analysts point to the fact that the UK economy is still very much adjusting to a new normal, post-Brexit and post-covid.

Slightly higher mortgage rates could, states the survey, dampen rising confidence and activity in the England and Wales markets. This may mean that many make the decision to remain where they are and put plans to move on the backburner.

Those who are pushing ahead with a house move can enjoy reassurance in the form of our HomePlus Digital Home Survey. The cost-of-living has begun to fall and you can help people unlock more cost savings with the Survey, which includes a review of a property’s Energy Performance Certificate (EPC) as standard.

Rated five stars on Trustpilot by well over 5,000 people, it could just take one thing off their to-do list – and their mind.

Maker a referral easily with this form.

Refer your customers and receive your £75 commission per completed referral. Get in touch with any questions or book a demo: 03339 997 578 (option 2) or email sales@esurv.co.uk

Kent Reliance for Intermediaries

The importance of upfront conversations – an interview with office BDM Zoe Bradin

In an industry where relationships are key, upfront conversations have the potential to make all the difference.

We sat down with office BDM, Zoe Bradin, to discuss how her role operates within the sales team and to cover the things you may not know about the enhanced support our office BDMs can offer.

Read the full interview here →

Precise Mortgages

Slip into our new residential products

NEW products for more residential options.

Our new 1-year fixed range could help those who want the comfort of short-term fixed payments.

We’ve also launched new lifetime trackers. Ideal for customers who want more freedom than a fixed rate.

These products are available on both purchase and remortgage cases.

1-year fixed:

Rates from 5.44% with a 1% fee

Lifetime trackers:

Rates from 6.79% (BBR + 1.54%) featuring different fee options, with or without ERCs

Adverse accepted on both products tier 0 – 4, up to 85% LTV.

And don’t forget, our cascade system automatically filters cases through the levels of adverse we accept.

Filter residential products now

Questions? Call your BDM, contact 0800 116 4385 or use Chat.

Greenfield Bridging

Greenfield Mortgages rebrands as Greenfield Bridging in 15th year!

We’ve rebranded to Greenfield Bridging in our 15th year, and to launch the new brand, our very own Richard Keen, National Account Manager, interviewed Steve Smith, our CEO (Poundland founder). Find out how our mandated BDMs can make a bridging loan decision in one hour — helping you to retain your clients.

Read & Watch: Mandated BDMs Make One-Hour Decisions

A quick reminder of what you receive from Greenfield Bridging:

Rates from 0.72% pm
Up to 75% LTV (regulated & unregulated)
Fast-track lending against AVMs
Second charge facilities available (on multi-security cases where we have primary property first charge)
Underwriting starts on the first phone call/email
Fast and reliable initial decisions in one hour
On application full decision is usually provided within 2 hours
Regulated & unregulated bridging available
Fast completions

Product Guide

Application

Send Enquiry

METRO BANK

Did you know that Metro Bank are able to offer greater flexibility for those that maybe struggling to get a mortgage elsewhere?

Meet Jane

Jane was looking to re-mortgage her current home and raise some funds for home improvement. She had a low LTV and a good overall credit profile but had an unsettled CCJ for a parking fine that she was not aware of and missed a payment on her mortgage six months ago.

And how we can help…

By applying our common-sense approach, Jane was able to remortgage her current home & capital raise for her dream kitchen even with her less than perfect credit profile.

Criteria highlights

Satisfied CCJ’s or Defaults

£1,000 total value across any number of CCJs or Defaults satisfied within last 36 months.
Unlimited total value across any number of CCJs or Defaults satisfied over 36 months ago.

Unsatisfied CCJ’s or Defaults:

£500 total value across any number of CCJs or Defaults.
An increased £1,000 total value across any number of Defaults applies on the Near Prime Range Only.
No requirement to satisfy prior to application.

Unsecured/Secured/Mortgage Arrears:

Up to a maximum status of 2 in the last 24 months, no cumulative limit across all accounts.
Arrears on communication and utilities are ignored on Near Prime Range Only.

Capital Raising: