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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

Welcome to the Mortgage Club's latest iteration of our ever popular New Build Forum, once again hosted by Danny Belton, our Head of Lender Relationships.

At this forum, we will be looking at:

- Builders – is the landscape changing again? - presentation by David O'Leary, Policy Director Home Builders Federation
- Panel Session: Say goodbye to Help to Buy, but are the new schemes going to work?
-  Are valuations evolving? - presentation by Trudy Woolf, Head of Professional Services, L&G Surveying Services
- Panel Session: Is the Green agenda being embraced? 
- New Homes Quality Board - presentation by Douglas Cochrane, Board Member, NHQB

New Build Forum

Join Sophie Holloman from the Club's Telephone Relationship Management team, for her latest adviser coffee morning, where she will be joined by Eloise Hall, Key Account Manager at Kensington Mortgages. Sophie & Eloise will be covering topics such as the impact of Covid-19 on the self employed, how the growth in the housing market will impact first time buyers and what lenders need to do to address this, the increasing popularity of green mortgages and what brokers need to do the address the potential legislation dates to best support their landlord customers.

Sophie's Adviser Coffee Morning: The latest from Kensington Mortgages

Join Lauren Wiles, National Account Manager at Bank of Ireland for Intermediaries as she provides you with an overview of their key lending areas during 2022 including High LTV, Buy to Let and their Bespoke lending service.

Bank of Ireland for Intermediaries, Our focus for 2022

In 2019, the UK government set a target to achieve net zero greenhouse gas emissions across the whole UK by 2050. This commitment means we have 30 years to completely decarbonise the economy.

There are about 30 million buildings in the UK, responsible for around 30% of our national emissions. The vast majority of these emissions result from heating: 79% of buildings emissions and about 23% of all UK emissions.

The Government has committed to upgrading as many homes as possible to achieve EPC band C by 2035 and has consulted on various proposals which will affect our industry. 

Join our webinar to understand the direction of change, the current proposals and what these mean to lenders, brokers and our customers, the property owners.

The Green Agenda – Understanding the Policy Perspective

The over 55’s market has been growing steadily and for many mortgage brokers, offering an opportunity to diversify their business. Lifetime mortgages and Retirement Interest Only mortgages (RIO), sometimes unfairly viewed as niche products, are increasingly being used to help clients:

• Support children and grandchildren onto the property ladder
• Fund a fresh start after a later life divorce
• Pay for home improvements or adaptations to improve independence 

But how do you spot the clients that could be helped? 

In this webinar we’ll highlight some of the key types of clients that lifetime mortgages and RIOs could be suitable for. We’ll show you:

• An overview of later life lending products 
• recent enhancements to our RIO mortgage to meet the needs of more of your clients
• How to identify clients who could be suitable
• Easy steps to get the best from an affordability assessment 
• Tips to generate leads from professional connections and beyond 

Marie Catch, Head of Mortgage Market Development at Legal & General will be joined by Key Account Manager, Sara Freer and Underwriting Manager, Matthew Joyner for an in-depth panel discussion. 

You’ll be able to ask the speakers questions on any of the topics covered.

Book now to secure your place.

Our lifetime mortgages are loans secured against the client’s home. If a client gifts money, the recipient may have to pay inheritance tax in the future.

Client spotting - New opportunities in the over 55’s market

With the increasing focus upon green mortgages, join the Mortgage Club as we look to spotlight some of the exciting solutions being pioneered with this space. 

Sero are a rapidly growing business well aligned to current and emerging UL government policy direction as part of the delivery of net zero carbon by 2050. They are on a mission to re-think housing by building true zero carbon, sustainable, innovative, high-quality homes that are friendly to wildlife and the environment. 

Kensa are the UK’s leading heat pump specialists. From manufacture to installation, Kensa provides reliable and efficient heating and cooling alternatives to polluting fossil fuels. Every ground source system is crafted by experts to deliver low-carbon, affordable and sustainable comfort all year round.

We will also be joined by guest panellists from lenders working within the green mortgage space who will discuss the impact of green initiatives upon mortgage affordability. 

This webinar is a must for all mortgage advisers looking to increase their knowledge of green mortgages and the emerging solutions available to tackle this increasingly relevant challenge.

The Green Agenda: Investigating Current Solutions & Affordability Implications

Join Sophie Holloman from the Club's Telephone Relationship Management team for her next coffee morning where she will be joined by colleagues from Legal & General Home Finance. The panel will be looking at the difference between Retirement Interest Only (RIO) mortgages and Lifetime mortgages and how mortgage suitability and affordability criteria differ between the two. They will also be discussing who benefits from a RIO, as well as exploring the negative press associated with the “stress test” on RIOs.

Sophie's Adviser Coffee Morning: RIO Vs Lifetime Mortgages with L&G Home Finance

Join the L&G Mortgage Club as we focus on the latest developments taking place in the ID&V space, and the progress that has been made over the last few months.

We are delighted that the Department for Culture, Media and Sport will be joining the session to give their views and thoughts as to what will happen going forward within the ID&V space.

ID&V Spotlight - A look at progress in this area

Bluestone Mortgages exists to serve borrowers that are typically deemed 
'Unlendable' by the high street, whether it be due to a life event that has led to financial difficulty or due to incomes being complex. 

We will begin by examining the four key drivers that the FCA have identified in regards to potential financial vulnerability along with the types of industry sectors that are driving clients towards complex credit lenders. This will identify and shape a picture of a typical Bluestone customer. In order to highlight the key reasons to consider placing business with Bluestone Mortgages, we will then move on to explore the adverse approach, specifically paying attention to key differences when compared to other lenders and how criteria on completion can allow an intermediary to submit a case without waiting for it to fit criteria. Following this, an overview of the approach to the different income structures observed shall be reviewed, beginning with self-employed.

The focus will progress to a summary of the common errors made when submitting applications and consider the potential forms and declarations that are needed when placing a case.

At the end of the presentation, the following three objectives are aimed to be achieved;
1. The drivers of complex credit lending
2. To have provided an idea of when Bluestone Mortgages should be considered.
3. How to effectively package an application.

Complex Credit, the "Age of the Unlendables"

Keystone Property Finance are a specialist buy to let lender for intermediaries only. They will be looking at the impact the UK housing market is currently having on C02 emissions and the steps that both lenders and landlords can take to help shape the future of green living for tenants.

The Future of Green Homes

Landlords are always looking to create the most tax-efficient vehicles for their buy-to-let properties. However, accountants and tax specialists' advice needs to consider what a lender can and cannot do when it comes to limited company structures. 

During this session, you will get a complete understanding of the ever-changing structures of a limited company and how to best go about finding a solution. 

We will also be looking at the types of Limited Companies including SPV’s and Trading Companies along with their key differences. 

We’ll cover off some examples of structures we are seeing, which at first blush might baffle, but looking deeper they will make sense given the advice on the structure of these Limited Companies comes from accountants and tax specialists.

Finally, we will extinguish the fear many brokers have in dealing with a Limited Company application, by highlighting the differences between a standard (individual) application and a Limited Company application.


Topics Include:
• Basics of lending to a limited company.
• Different types of limited company structures that lenders accept.
• Housekeeping when it comes to underwriting a limited company.

The changing landscape of limited company buy-to-let

This webinar will focus on the main changes that are at the forefront of the Buy to Let sector including Fintech & Green Mortgages including discussion around these points and the reasons they are on everyone's mind. During the presentation, we will also discuss Molo Finance's key USPs and our recent launch into the PBTL area.

The Changing World of Buy to Let

We are LiveMore, the later life lending experts who have developed an innovative portfolio of Interest Only mortgages.  These are mainstream products specifically designed to meet the particular needs of borrowers aged 50 – 90+.  

Our flexible human approach to underwriting means that we can help in a wide variety of cases where other lenders can’t.  Affordability is assessed on the Interest Only payment alone, which increases the client’s borrowing capacity, and we are also able to consider income that will plausibly continue beyond retirement age.  

Combining the very latest technology with truly personal service, we make the application process clear, easy and smooth – questions are kept to a minimum and support is readily available.  As our name suggests we are giving older borrowers a whole new lease of life.

Our webinar will cover:  

- An overview of our TIO and RIO product ranges and how they differ 
- Types of customers our products are suitable for
- Real life customer scenarios of cases we have been able to help
- Our fresh approach to affordability and how it can help you
- How our unique in market Ongoing Care Fee can enable you to earn more commission.

Over 50s: fix the term, not your customers aspirations

Harpenden Building Society offers a manual and individual approach to lending. Our aim is to ‘manage complexity’. Our presentation will cover how our individual approach can help your self-employed clients with live examples of how we have managed complexity for these clients in 2021.

How an individual approach to lending can help your self-employed clients

While we can expect the coming months in the Buy-to-Let market to be dominated by new business, holiday lets and a focus on upgrading properties to meet with EPC requirements; the remortgage market will also have a large role to play in 2022. Our BDMs will walk through how we as a lender are looking to help both you and your clients navigate this busy and complex space with ease. From new rates, product initiative and making your process simple through technology, we can make this end to end process as simple as possible.

• Remortgages at their highest 5 years on from the PRA’s changes back in 2017
• Holiday lets stand strong as the UK population are still committed to staycations
• Technology making property finance simple, with online portals, integration of Open Banking and electronic ID verification.

BTL in 2022, re-mortgages, technology and how the market moves on

Join Sophie Holloman from the Club's Telephone Relationship Management team, for her second adviser coffee mornings of  2022. These informal events are open to all but are aimed at brokers who don't currently use the Club or who haven't engaged with us recently. Sophie will engage on a range of topics this year, to show brokers the full value of what the Club has to offer.

For this second event, Sophie will be chatting with Zephyr Homeloans about some of their best criteria points, as well reviewing some of their case studies including their requirements and the solutions they can offer. Advisers will also hear some top tips on all things Buy to Let.

Sophie's Adviser Coffee Morning: Criteria Breakdown with Zephyr Homeloans

Join us for a live presentation and Q&A session on HMOs with Alex Witham, Business Development Manager from Landbay.

In this session, you will be able to get a full understanding of HMOs and why they are in such demand with an opportunity to ask any questions you may have.

Topics Include:
•	What is an HMO
•	Why landlords invest in HMOs
•	Licensing and planning permission
•	Enhancing your fact find
•	Valuation types
•	Article 4
•	How Landbay can help you
•	Complex BTL products & criteria

Houses of Multiple Occupation (HMO) - A live webinar & Q&A session with Landbay

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Houses of Multiple Occupation (HMO) - A live webinar & Q&A session with Landbay

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