Name: Deep dive discussion into the Buy to Let Market – Legal & General Mortgage Club
Start: 2016-12-07T15:40:00Z
End: 2016-12-07T16:02:04.000Z
Location: BrightTALK
Rating: 5

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Positive Lending’s Head of Sales, David Coleman explores the current hurdles for clients wanting to capital raise and how second charge mortgages are fast becoming the go to option for clients, where traditional mortgage borrowing isn’t possible or doesn’t provide the best outcome.

When Seconds Come First

The newly proposed Consumer Duty (CD) is a topic on everyone's agenda at the moment, especially with the Policy Statement being produced on 27th July.
With an increased focus on the end consumer and a key consideration being how firms treat their most vulnerable customers, the Financial Conduct Authority (FCA) has clearly laid out its expectation in not one, but two consultation papers on this particular topic.

CP 21/13 set the scene, laying out the FCA's thinking and asking for views from regulated firms and CP 21/36 delivered feedback on the initial paper, whilst also delivering more focused thinking from the FCA on what the new CD would bring to firms and individuals alike. This will be the first of a two part series, where we initially consider the published CPs and discuss what this means from a personal perspective, with the second part of the series (to be broadcast in Q3) considering the published Policy Statement.

The FCA have clearly stated that the aim for introducing the new Consumer Duty is to drive a fundamental shift in industry mindset, but what does this really mean and what part does each individual, regardless of their role and status within an organisation, have to play in this? We will be considering the new Duty from that personal perspective and what this means for firms and their people processes.

Clare Beardmore, Head of Broker and Propositions at Legal & General Mortgage Club will chair the webinar as part of the discussion. Hosting the webinar is John Somerville, the Head of Financial Services at the London Institute of Banking & Finance (LIBF), joined by Julie Pardy, Director of Regulation, and Nic Dent, Head of Customer Engagement at Worksmart Ltd.

Breaking down the new Consumer Duty

Are landlords looking to diversify their portfolios to include more BTL? How are New Build regulation changes impacting the BTL market? What trends are we beginning to see emerge at the midway point of 2022?

Join us for a panel discussion with experts from across the BTL and New Build worlds, to find out their thoughts on what’s happening and what opportunities are available for brokers.

Our panellists are:

Andy Dean - Head of Intermediary, Nationwide Building Society
Roger Morris - Group Lending Engagement Director, OneSavings Bank Group
Helen Cawthra - Corporate Sales Manager, Vida Homeloans

New Build Vs Buy-to-Let Panel

LendInvest Sales Director, Leanne Ardron, explores the current challenging marketplace for Buy-to-Let landlords and looks at how bridging finance can support them to secure higher yields and future-proof their portfolios against upcoming regulatory changes.

Leanne will also look at the market more widely to see how bridging finance continues to be the right flexible tool for investors, and with the underlying demand for more housing not easing off, why it is essential they take full advantage through the right acquisition, planning gain and refurbishment deals.

Using bridging finance to future proof your clients and Buy-to-Let portfolios

Will the upcoming changes to ‘stress testing’ affect the market for First Time Buyer affordability or are New Build schemes still the best way forward? Will there be a shift in buying behaviour?

This panel discussion will shine a spotlight on affordability for First Time Buyers’, with guests from across the industry sharing their insight and views.

Our panellists are:
Craig McKinlay - New Business Director, Kensington Mortgages
Andy Mason - Head of Strategic Partnerships and Housing, Lloyds Banking Group
Mobeen Akram - National New Homes Account Director, Mortgage Advice Bureau

First Time Buyer Affordability in the New Build Space Panel

Join us on Tuesday 21st July at 10.00am for a lively virtual roundtable with a range of lenders specialising in Buy-to-let lending. They will be discussing the current state of the BTL market, where they think it’s heading and what opportunities currently exist.

Our guest lenders are:
• Andy Virgo - Director of Buy-to-Let, LendInvest
• Martin Yates - Senior Business Development Manager, & Jack Whiting, Business Development Manager, Newbury Building Society
• Michelle Ash - National Account Manager, Newcastle Intermediaries
• Andrew Williams - Corporate Account Manager, OneSavings Bank Group
• Phil Lawford - Business Development Manager, Saffron for Intermediaries
• Mark Rookyard – Regional Sales Manager, Zephyr Homeloans

Buy-to-Let Roundtables

We're excited to invite you to a free, 30-minute webinar at 11 am on Wednesday 20th July, where Hannah Oades, Corporate Account Manager at United Trust Bank will be discussing the notable uptick in the demand for specialist mortgages and how the flexibility of specialist lenders can provide applicants who don’t meet the criteria of high street lenders a solution to achieving their home buying dreams.

Get to know more about United Trust Bank’s product set, common-sense approach to underwriting and how they can support you and your customer along every step of the mortgage journey. Hannah will be focusing on 3 key areas:

• Why specialist lending is helping more and more customers
• Key product sets for typical applicants
• Example case studies

Specialist Lending Deep Dive with United Trust Bank

Join us for a lively roundtable with a range of lenders specialising in Holiday Lets. The lenders will be discussing the current market trends and what they expect to see in this market for the rest of 2022 and beyond.

Hear presentations from:
• Amanda Smith - Darlington Building Society
• Emily Smith - Harpenden Building Society
• Samantha Watts & Deborah Reeves – The Nottingham for Intermediaries
• Paul Huxter - West One Loans

Holiday Let Roundtables

Join Sophie Holloman, Key Relationship Manager in the Club's broker team, for her next coffee morning where she will be joined by Billy Grimley, Chief Commercial Officer at Smartr365. They will be discussing 'digital journeys' and how advisers can offer premium experiences using digital tools, which can increase customer loyalty. They will also touch on SmartrFit+, an affordability calculator that can be easily added to your website to save time and effort for both you and your clients.

Sophie's Adviser Coffee Morning: Navigating 'Digital Journeys'

Join this Zephyr Homeloans webinar for an informative and engaging session on all things buy to let. Hosted by Paul Fryers, Zephyr’s Managing Director and Mark Rookyard, Regional Sales Manager, they will cover subjects such as: 

- current funding market conditions
- proposed EPC regulations
- insight from The Deposit Protection Service’s (DPS) Rent Index

Paul and Mark will also give an overview of Zephyr’s lending criteria for professional landlords and examples of the types of specialist cases that have recently been underwritten.

And, as this is a live session, you will be able to ask questions using the chat facility.

Buy to let market update by Zephyr Homeloans

Imagine what your typical first-time buyer looked like twelve months ago and how much easier it was to find a solution for them.  Now let’s visualise the future, with Help to Buy drawing to a end do you feel equipped to discuss the intricacies of shared ownership and other homeownership schemes?  Have you considered how you will continue to support your first-time buyers customer’s needs, especially with the economic factors changing all the time?  

If these are questions are keeping you awake at night, then join Precise Mortgages and Kent Reliance for Intermediaries’ (KRFI) Corporate Account Manager Jonathan Mann, for a look at the alternative ways those with low deposits or less-than-perfect credit histories can still achieve their home owning aspirations.

During his presentation, he will examine:  
>. The success of Help to Buy and what opportunities remain 
>. How alternative schemes, such as shared ownership, could offer the ideal solution.
>. Why economic factors such as the cost of living, soaring inflation and rising interest rates affect borrowers’ affordability.
>. How our dual-branded sales team which supports both Precise Mortgages and KRFI could help secure your client the mortgage they need.

A presentation not to be missed, so make sure you book your place today!

The Emerging Opportunities in New Build

Helping you give your landlords the right support is our top priority, and this has placed complex Buy to Let and Limited Company remortgages at the forefront of our minds. Director of Buy to Let Andy Virgo will walk you through the current mortgage market, Limited Company transactions, opportunities for brokers and how you can support your clients to future proof their properties against upcoming EPC changes with the right incentives and product transfers. You'll be able to ask questions about the Buy-to-Let market, better lending approaches and hear honest discussions about how lenders are equipping their brokers to navigate the current market.

Helping you help your clients with the right mortgages and product transfers

What can the Swansea Building Society offer? If you are looking for a lender lending in England and Wales with a personal, tailored, common-sense approach to lending, we are the lender to speak to. With no credit scoring and all cases manually underwritten, we look at every proposition on a case-by-case basis using an old-fashioned common sense approach to mortgage lending approach with no ‘computer says no’ mentality. With an experienced and dedicated front-line mortgage sales team allocated to every broker, we can really help with those more complicated cases / where you need a lender to take a sensible approach. Don’t just take our word for how good we think we are, read what our brokers think at: https://www.swansea-bs.co.uk/broker-zone/testimonials
 
During the webinar, we will cover:

1. Self-employed
2. Lending to Medical Professionals
3. Properties with or without land
4. Green mortgages
5. Semi–commercial
6. BTL / Holiday let mortgages
7. Short-term bridging   
8. Capital raising  
9. Interest only 
11. Lending into retirement
12. Self-build/renovation

We guarantee you won’t be disappointed in attending our webinar and by the end, you will wish you had known about us years ago!

Let's talk all things Swansea Building Society

Harpenden Building Society focus on their criteria and holiday let products and why they, as a specialist lender, can help and they have a wealth of knowledge when it comes to holiday lets and a great track record of securing finance in this niche area.

Let’s talk Holiday Lets

Paul Adams, Sales Director, will be discussing diversity that exists in specialist lending and how this can support a more diverse and loyal customer base. While touching upon key insights gained from Pepper Money’s most recent Adverse credit Study, and the cost of living crisis, Paul will explore why it of increasing importance that advisors work with specialist lenders and the level of expertise they can offer and will refer to some key customer profiles to illustrate this along. Finally, Paul will talk about the ability for Pepper and brokers to look past a credit score and ‘financial blips’ to understand the needs of the customer and how this provides perfect footing to grow our businesses together.

Specialist Lending – Is the balance tipping?

To start the webinar Matt Martin, National Account Manager will be joining to give a Virgin Money UK PLC group update and a picture of the journey for their intermediary channel this year and view on the market

And then Kayleigh Baker, Business Development Manager will get into Virgin Money & Clydesdale Bank. They have 2 brands that complement each other brilliantly. For them, being a good partner means putting your needs at the heart of their decisions and recognising what’s important to you.

At Virgin Money, they understand that choice is important. That’s why they offer a wide range of products and features. They support the New Build market with lending up to 90%, BTL with lending up to 80% and age 85 including streamlined portfolio straight balance swaps with no additional borrowing and then of course top slicing. 

At Clydesdale they recognise that every client has different needs. Your clients come to you because you’ll find a mortgage solution that fits their needs, not a lender’s. Brokers come to Clydesdale because they understand this. They’re able to adopt a flexible approach and assess on individual merits. Their team will work with you to understand your client and what we may be able to do for them, helping you to find solutions. Not forgetting their expertise when underwriting large loans and professional, BTL and self-employed applicants.

Join Matt & Kayleigh on the 25th May 2022 to learn more….

Virgin Money and Clydesdale – A Great Partnership

Join Ian Scarrott, Senior Corporate Account Manager at InterBay, as he explores the world of holiday lets and the wider buy to let market,  sharing his knowledge and the latest insights about this style of lending.

Ian will focus on the differences between a holiday let mortgage and a standard buy to let, along with potential case quirks you may encounter along the way. He’ll also identify which landlords could benefit from InterBay and the wider OSB Group’s diverse criteria, enabling you to consider all the different aspects on a case and how you could support your clients.

This is a real journey of discovery into a specific area of the mortgage market. Although we can’t guarantee the sunshine, we hope you’ll walk away with a deeper and wider understanding of how you can help your landlord customers including those that are considering purchasing a holiday let as part of their portfolio. It really is a session not to be missed!

Unlock the power of InterBay for your buy to let and holiday let customers

Join Louise Apollonio from The Mortgage Lender, where she will explore the current challenges around affordability. She will also share insight from their recent in-depth report around adverse credit, and what it means for customers moving forward.

Exploring Affordability

Deep dive discussion into the Buy to Let Market – Legal & General Mortgage Club TV

Deep dive discussion into the Buy to Let Market – Legal & General Mortgage Club

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Deep dive discussion into the Buy to Let Market – Legal & General Mortgage Club

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