Stand out with Specialist Lending - with Kent Reliance for Intermediaries
Specialist lending has always picked up business that has fallen down at the high street either by having a wider criteria set or a more manual approach to cases on their individual merits. In 2020, we’ve seen an unprecedented amount of criteria changes and amendments as we all adapt to the COVID-19 pandemic.
This in turn has strengthened the need for common sense lending and manual assessment of some cases to deliver the right outcome that don’t always meet the typical ‘ tick boxes’. Kent Reliance for Intermediaries are seen as specialists in specialist lending and we’ll be looking ahead at the specialist market and where the opportunities and solutions are for Intermediaries to offer to their customers. In this session we’ll be looking at customers who are self-employed, near prime, shared ownership and buy to let.
During this webinar we’ll cover (learning objectives):
• The self-employed market and how our team of specialist underwriters can help with nuances.
• The current levels of debt in the UK, amount of CCJ’s registered and how we can help
• Shared ownership: How does it work, how can this be a proactive solution for customers.
• 2 case studies with adverse credit and how we can help
• Buy to let: Limited company tax structures, HMO’s, Intercompany loans.
RecordedFeb 17 202139 mins
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This session will focus upon My Identity.org, a new digital identity trust scheme for the home buying and selling process, designed by Etive. The scheme helps reduce the amount of identification required as part of the mortgage journey, speeds up the buying process, frees up valuable time for brokers, and ultimately improves the customer experience.
Join our host Danny Belton, Head of Lender Relationships, as he questions Stuart Young, founder of Etive, on the scheme’s impact, progress and the opportunity it provides brokers to address ID processes through a different approach.
Danny Belton, L&G Mortgage Club and Will Rice, Generation Home
Launched earlier this year, Generation Home are a new disruptive mortgage lender with a mission to improve access to homeownership for first time buyers. They operate on a new innovative concept of helping first time buyers apply for a mortgage with friends and family involved, who also have a stake in the property’s equity. Join Danny Belton, our Head of Lender Relationships, as he discusses this exciting new approach to high LTV lending with Will Rice, the founder and CEO of Generation Home.
Mil Consiglio, Key Account Manager, Vida Homeloans
Vida’s Key Account Manager, Mil Consiglio, will be discussing in more detail how Specialist is becoming the new mainstream when it comes to BTL, examining exactly how this part of the market is changing going forward in 2021 and into 2022. Mil will discuss the rise of the specialist BTL market, tenant demand, market resilience, upcoming reforms, SPVs and Limited Companies, HMOs and specialist properties and more, giving you the insight to be able to prepare for the new year and assist clients that may be looking for a BTL mortgage to suit their more complex requirements.
Danny Belton, Head of Lender Relationships, Legal & General Mortgage Club
Earlier this year, the government launched the Help to Build scheme to make self-build more accessible and affordable. The scheme is a £150 million government fund allowing for low-deposit mortgages through equity loans on self and custom build homes and aims to help people build or commission a house that meets their specific needs.
Our panel, hosted by Danny Belton, Head of Lender Relationships, will discuss how the Help 2 Build scheme works and how it is impacting the wider new build market. This area of the market has seen considerable legislative change over the past few years, so the panel will examine how that change is progressing in practice. They will also look at the types of lender support available for the self-build and custom-build market, as well as identifying what opportunities are available from a broker perspective.
Our panellists are:
• Jasmine Smith, Business Development Manager, The Melton Building Society
• Tom Molloy, National Account Manager, Mansfield Building Society
• Stuart Bryce, National Relationship Manager, Buildstore
Steve Griffiths, Sales and Product Director and Louise Apollonio, National Account Manager.
TML continue their talk series with a look at the self-employed market and the effects that Covid 19 has had. Join us as Steve Griffiths (Sales and Product Director) and Louise Apollonio (National Account manager) talk through their own self-employed research and learn how TML can help you place cases with Covid impacted accounts
The general finance market took a huge step back on speed as a result of Brexit and the pandemic. Bridging was always known for being the speedy finance, yet, it is now often taking twice as long as it was previously. The market is returning to normal, however, speed is still an issue. Roma Finance will look at why this is still occurring and how to influence and ultimately resolve it.
Danny Belton, Head of Lender Relationships, L&G Mortgage Club
Join Danny Belton, our Head of Lender Relationships, as he discusses the state of the new build market from the estate agent perspective with Gaby Foord, Associate Director at Savills. They will discuss the emerging consumer trends, the impact of the various government schemes in operation, and what the future of the market looks like.
Sophie Holloman, Telephone Relationship Manager, L&G Mortgage Club
To hear more about our brand-new Buy-to-Let affordability and criteria calculator, join us for our upcoming webinar where we'll share with you how:
• We’ve worked with lenders to incorporate their criteria and affordability assessments for different types of landlords, to provide you with accurate results
• The calculator works including our intuitive questionnaire, and provide a full demonstration
• Using SmartrFit can help you not only quickly research how much your landlords can borrow but consider products too.
James Enos - National Account Manager, Emma Graham - Director of Business Development and other members of the Hodge team
Hodge’s Director of Business Development and National Account Manager will discuss Hodge’s current product offering with senior members of the underwriting team. The session will cover key features of the products, case processing, underwriting, document requirements and other hints and tips focused on supporting brokers when placing business with Hodge.
Rachael Hunnisett – National Accounts Lead & Derek Adams – National Accounts Lead
Join Derek Adams & Rachael Hunnisett at Skipton Building Society for Intermediaries as they explore and discuss the balance between technology and the human touch. Derek and Rachael will share their different perspective on how technology is making things easier for you.
Wes Regis, Key Account Manager. Joined by Bob Young, Chief Executive Officer and Steve Cox, Chief Commercial Officer
Fleet Mortgages will be discussing current trends and considerations in the BTL market, and also what the Starling Bank acquisition of Fleet Mortgages actually means to their broker partners and their clients.
Join Kevin Roberts, Director of L&G Mortgage Club, as he discusses the need for advisers to assess the key regulatory considerations to ensure they remain fit for purpose in a climate vastly reshaped by the pandemic. Our panel of guests cover regulatory change and the rising costs, the challenges with professional indemnity insurance, systems and processes, directly authorised versus appointed representative.
Robert Sinclair - Chief Executive, Association of Mortgage Intermediaries (AMI)
Sharon Trinder - Compliance Director, Mortgage Advice Bureau
Trevor Quinn-Thomas - Director, HQ Mortgage & Finance Ltd
Paul Fenn - Director of Business Development, Skipton Building Society
Host: Kevin Roberts - Director, Legal & General Mortgage Club
Following on from our consumer insight session at the outset of the 1st lockdown, Kevin Roberts is joined by Charlotte May, Group Head of Customer Research at Legal & General and Richard Donnell, Research and Insight Director at Zoopla, to look at how consumer attitudes have shifted over a year into the pandemic, and what that broadly means for the business world. The panel is also joined by Ian Larkin, CEO at Trussle who offers his own consumer insight into the mortgage market and the current mind-set of both new and existing borrowers. The panel also explore what macro concerns are affecting consumer opinion, and how consumer finances are being impacted.
Charlotte May - Group Head of Customer Research, Legal & General
Richard Donnell - Research and Insight Director, Zoopla
Ian Larkin - CEO, Trussle
Host: Clare Beardmore - Head of Digital Transformation & Operations, Legal & General Mortgage Club
There are 2.9 million single parent families in the UK representing nearly 15% of all families*
Making sure children grow up in a secure home is an important consideration for any parent, but if you’re a single parent, parental responsibilities and relaying on one income/benefits, can often make either staying in your home after separation/divorce/bereavement or getting on the housing ladder out of reach.
The objective of this webinar is raise awareness amongst our industry of this underserved customer group, looking at:
• Dispelling some of the myths and stereotypes around single parent families
• The challenges single parent families often face with getting a mortgage
• Whether existing first-time buyer products consider or meet the needs of single parent families
Finishing off with a discussion on what more could be done by our industry to help single parent families either remain as or become homeowners.
Join Kirsty Button, Customer Experience & Insight Director for Legal & General Insurance, as she sets the scene for what the regulator is saying about vulnerable customers and what is expected of financial services in response. Kirsty showcases how Legal & General is implementing best practice to support vulnerable customers and to ensure we are doing our upmost to deliver our duty of care to them.
Advisers should tune in to understand what constitutes a vulnerable customer and the types of support they may need from a business to help them make the appropriate decisions and actions regarding their finances. Advisers will be able to gain invaluable insight to help them assess their own business practices and how they can evolve to ensure they offer as much support as possible to their own vulnerable customers.
Jodie White - Mortgage Transformation Product Owner, L&G Mortgage Club
Sophie Holloman, L&G Mortgage Club & Stephen Nobes, Smartr365
Are you frustrated with having to compete with your competitors’ bigger budgets and their domination when it comes to all things marketing and digital?
Our latest webinar with Smartr365 discusses how Directly Authorised Advisers (DA’s) can gain competitive advantage over their larger competitors using affordable tech solutions.
Join Sophie Holloman of Legal and General Mortgage Club and Steve Nobes from Smartr365, as they discuss:
• Industry and consumer changes in the wake of Covid
• How DA’s can make themselves stand out from the crowd
• The benefits of using technology, particularly when it comes to pre-qualification
• Myths and misconceptions of adopting technology
Pepper Money recently launched the fourth edition of their Adverse Credit Study, which shares key insights into the current state of the nation and the scale of the customer knowledge gap. Over the last 18 months, Specialist mortgages have become increasingly important, and Caroline Mirakian will share the areas of specialist mortgage opportunity for advisers in the next 12 months.
James Enos – National Account Manager, Emma Graham - Director of Business Development and Hodge Compliance
The webinar focuses on how Hodge Bank looks to support vulnerability throughout the mortgage journey. Assisting brokers and Hodge employees to identify vulnerability and what best practices should be taken when supporting potentially vulnerable clients.