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

Danny Belton, Head of Lender Relationships, L&G Mortgage Club, will host a session, in conjunction with Experian, that will look at Open Banking, the challenges, and how we can move forward in a post Covid19 environment where technology is playing a more prominent. Rob Mathie and Rob Haslingden from Experian will provide a presentation, and some thoughts for consideration and discussion.

Vida Homeloans have recently made a welcome return to the specialist lending market.

With a new CEO in place and a new vision, find out what’s in store for Vida Homeloans’s future now they are back open for business.

Join Louisa Sedgwick, Managing Director Mortgages, in conversation with Danny Belton, Head of Lender Relationships from the Legal & General Mortgage Club, as she discusses what Vida Homeloans have been up to for the past few months, and what the new future Vida will look like. Hot topics touched upon include payment holidays, short notice product pulls, furlough and collaboration between advisers & lenders, and their new chatbot, Milo.

It certainly feels like rush hour out there for advisers at the moment and just like when roads get busy, a quick search in your sat nav can suggest alternative safe and quick routes - Legal and General Mortgage Clubs FREE criteria sourcing tool ‘SmartrCrtiteria’ can really help you navigate your customers on the correct route to securing their mortgage needs!

To support you further, we would like to invite you to join the first SmartrCriteria "Hot Topics” session where 3 lender partners and an L&G Mortgage Club Host will interrogate certain criteria items.

The first topic we have chosen to explore is 'Incomes'.

It will be a Q&A session covering additional incomes, furloughed incomes, unusual incomes etc and a real opportunity to hear from the various lenders thoughts and views on how they are treating incomes and why.

The session is designed to keep you up to date on changes surrounding incomes to help support your conversations with customers.

We will be joined by:
• Chris Blewitt - Darlington Building Society
• Iain Cunningham - Accord Mortgages
• Nathan Goodridge - Kent Reliance for Intermediaries

The session focuses on the introduction of restrictions to income tax relief on 6th April 2017 which has significantly impacted landlords and the profitability of their portfolios.

Prior to April 2017, landlords had been able to deduct 100% of their home finance costs from their rental income to calculate the taxable rental profit. These restrictions have been gradually phased in and now, tax year (2020/21), there is no allowable deduction for finance costs at all.

In this session we will outline each tax that landlords need to be aware of prior to purchasing, transferring into a company structure or selling an investment property. This includes the capital gains tax liabilities of incorporating and the implications of buying or transferring property for stamp duty land tax and inheritance tax.

While brokers should not be giving tax advice to their clients, it’s important that they too, are aware of the tax implications for their landlord clients.

Over the last few months’ the mortgage market has seen more changes than at any time in the last decade and changes which have occurred at a pace probably never seen before.

During our presentation we will be taking a look at the situation within the BTL market and how it looked pre-covid, the impact lockdown had on the market and the current state of the market. We will also illustrate just how important a mortgage brokers role is within the BTL market.

We will then demonstrate how The Mortgage Lender can assist you and your clients whether they are individuals, limited companies or ex-pats. Our proposition covers a wide range of options so whether you are looking for:

• Products for loans over £500k
• Products for portfolio landlords
• Free valuations, cashback, or free legals

We have the solution for you

In a session that’s not to be missed, the lender experts at One Savings Bank presenting on behalf of the Precise Mortgages brand, discuss the New Build landscape, the challenges it has and will face due to the COVID crisis and what the future holds for this segment of the market.

Adrian Moloney, Group Director of Sales, leads the discussion, asking the team a wide range of questions to open up how and why One Savings Bank Group and its brands, Precise Mortgages and Kent Reliance for Intermediaries, are in a position to help lead the way with its recovery. Adrian is joined by:

• Neil Richardson MRICS, Group Real Estate Strategy Director
• Dawn Mirfin, Group Underwriting Director
• Colin Barrett, Group Mortgage Proposition Director

Following on from our recent popular webinar on the topic, Danny Belton hosts a follow-up panel to look at what’s changed in the interim for specialist lending across the market, and what its future is shaping up to look like

Guests Panelists:
· Alan Cleary – Group Managing Director, OneSavings Bank
· Hans Geberbauer – Chief Executive Officer, Foundation Homeloans
· Keith Street – Chief Commercial Officer & Director, The Mortgage Lender


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

The pace of technological change across the industry has been arguably slow. Join Clare Beardmore and a group of tech panelists as they discuss whether the Covid-19 situation has forced the industry to connect digitally to meet consumer demand?

Guest Panelists:
· James Tucker - Chief Executive Officer, Twenty7Tec
· Jonathan Evans - UK Business Development Manager, Digidentity
· Miles Robinson - VP Sales & Operations, Trussle


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

As we enter a new world emboldened by change, Danny Belton will host a panel of new lenders to discuss how new opportunities & solutions can arise from new thinking and a continued pursuit for market innovation

Guest Panelists:

· Alison Pallett - Director of Sales, Livemore Capital
· William Rice - Chief Executive Officer, Generation Home


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

Join Nick Stansbury, Head of Commodity Research at Legal & General, as he discusses the critical point at which the world finds itself in terms of its response to growing concerns over climate change, and what must be done over the next 10 years to avoid unparalleled climate catastrophe.


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

Danny Belton hosts a panel of lenders to take a broader look at the market and its current & future challenges and opportunities from the lender perspective.

Guests Panelists:

· Jeremy Duncombe - Director of Intermediary Distribution, Accord Mortgages
· Damian Thompson, Group Managing Director – Retail Finance, Aldermore
· Russell Anderson, Head of Mortgages - Sales / UK Mortgages / Retail UK, Bank of Ireland UK

Craig Hall is joined by a panel of leading brokers to discuss the valuable lessons they have learnt during this disruptive period; what have they stopped doing, started doing, continued doing, and how will all this change and insight impact their future ways of working

Guest Panelists:

· Andrew Montlake, Managing Director, Coreco
· David Hollingworth, Associate Director, Communications, L&C Mortgages
· Greg Cunnington, Director of Lender Relationships and New Homes, Alexander Hall


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

Kevin Roberts contemplates the impact of 2020 thus far - both the key learnings and the challenges still to come, and how Mortgage Club will continue to evolve and support our industry.

Kevin will be joined by a panel of senior industry figures to debate how the market has responded to the challenges of 2020, how change has been enabled through the necessity of survival, and what the roadmap for the remainder of the year and beyond looks like.

Guest speakers are:

· Miguel Sard - Managing Director, Home Buying and Ownership, Personal Banking, Natwest
· Peter Brodnicki – Chief Executive Officer, Mortgage Advice Bureau
· Chris Pearson - Head of Intermediary Mortgages, HSBC



Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.

With the mortgage market beginning to open back up, things are starting to look up for brokers across the UK. However, the last 12 weeks have been a stark reminder of the importance of business resilience. While you may just be getting back to your core business, now may be the time to consider additional revenue streams for your business.

Join us for a 45-minute live stream with Marie Catch, Head of Mortgage Sales at Legal & General Home Finance, to discuss how this new and evolving environment is highlighting client needs and potentially creating new opportunities in the later life lending space for mortgage brokers.

The session will be hosted by Dave Stratton, Distribution Director, Legal & General Home Finance. Marie will be joined by Paul Hopton, Legal & General Mortgage Club and guests. Our panel will be sharing insights on current market trends, real-life examples, discussing the opportunities later life lending advice could provide to your business and what you’ll need to consider when getting started. We’ll also give attendees free access to our new CPD equity release online study portal (RRP: £200).

For advisers only.

This next webinar in our series is dedicated to the digital transformation journey that the Mortgage Club has been on and will continue to drive. Our very own Clare Beardmore, Head of Mortgage Transformation, who will give an insight into what we are working on for the Mortgage Club, and will be joined by Steve Nobes, Head of Network and Club Relationships at Smartr365, to give an overview on how introducing technological advances into your business can make the process of mortgages simply better.

Join Kevin Roberts, Director of Legal & General Mortgage Club, and Charlotte May, Group Head of Customer Research as they discuss the impact COVID-19 has had on consumers and the affects this may have going forward.

Join Kevin Roberts, Director of Legal & General Mortgage Club, as he interviews Kevin Webb, Managing Director at Legal & General Surveying Services (LGSS), around current valuations and how COVID-19 will affect how valuations are done in the future.

Please join Kevin Roberts, Director of Legal & General Mortgage Club, and Robert Sinclair, Chief Executive of AMI and AFB, as they discuss the current climate, covering:

- How COVID-19 is impacting the lender and adviser market
- What will post Covid19 look like, and what are the opportunities
- Recent regulatory changes including views on the recent Mortgage Market Study and what may be coming next


Once registered, if you’re not an existing adviser member of the L&G Mortgage Club, we’ll be in touch after this conference to provide you with further information about the Club in general. Please let us know if you would prefer not to be contacted.