Name: How an individual approach to lending can help your self-employed clients
Start: 2022-03-23T11:00:00Z
End: 2022-03-23T11:00:13.000Z
Location: BrightTALK
Rating: 5

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Our April coffee morning is focused upon boiler & home insurance, and for this session, our usual host Sophie Holloman, will be joined by Mark McAuley, Head of Commercial Operations & Partnerships at Hometree.

Hometree are a fast-growing home energy services company on a mission to accelerate the decarbonisation of homes. Their award-winning boiler and home emergency cover plans keep over one hundred thousand UK homes warm and working. They are now helping more people upgrade their homes with more energy-efficient hardware like heat pumps and solar panels. 

Home Tree are L&G Mortgage Club’s specialist partner for household and emergency boiler cover through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

This session will focus on what Hometree offer to clients and how DA brokers can refer cases to them and earn additional income in the process.

Boiler & Home Insurance Spotlight with Hometree

Our March coffee morning is focused on Home Insurance, Landlord’s Insurance, Rent Protection, Tenant’s Contents Insurance and Tenant’s Liability Insurance, and for this session, our usual host Sophie Holloman, will be joined by Craig Kerrigan, National Account Manager at Paymentshield. 

Paymentshield have focused solely on distributing insurance through partners for nearly 30 years, giving them an exceptional understanding of how to deliver solutions that enable brokers to successfully embed general insurance into their business and build a profitable income stream.

Paymentshield offer a range of insurance products including Home Insurance, Landlord’s Insurance, Rent Protection, Tenant’s Contents Insurance and Tenant’s Liability Insurance. The heart of their proposition is their unique technology which is designed to enhance and support a conversation about insurance with all clients. 

Paymentshield are one of L&G Mortgage Club’s specialist partners for General Insurance through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

This session will focus on what Paymentshield can offer to clients and how DA brokers can refer cases to them and earn additional income in the process.

General Insurance Spotlight with Paymentshield

Join us for an exclusive panel webinar designed specifically for UK mortgage brokers, where industry experts from top UK lenders will delve into the unique challenges and opportunities in the first-time buyer mortgage market. Gain valuable insights, strategies, and best practices to better support your clients as they navigate the path to homeownership. Don't miss this opportunity to enhance your expertise and stay ahead in a competitive market.

We’ll be joined by speakers from;
• Skipton Building Society
• Darlington for Intermediaries
• Buckinghamshire Building Society

Exploring Opportunities: First-Time Buyer Mortgages

For our 2nd coffee morning of 2025, our host Sophie Hollman will be joined by Marc Randal, Founder & CEO of Property Circle. Property Circle’s mission is to revolutionise the industry by empowering brokers to help their clients make better and more informed Property and Mortgage decisions.

In this session, Sophie & Marc will discuss Property Circle’s growth platform that equips Mortgage Brokers with comprehensive software solutions that offer real-time client insights and optimised mortgage opportunities. By streamlining processes and prioritising potential leads, brokers can enhance client service and foster lasting relationships.

Level up your technology foundation with Property Circle

Join us for an exclusive panel webinar designed specifically for UK mortgage brokers, where leading lenders in the field of adverse credit will share their expertise and insights. This webinar aims to equip mortgage advisers with the knowledge and strategies needed to better support clients facing credit challenges.

Our panel of experts will discuss the latest trends, common pitfalls, and effective solutions in the adverse credit market. You'll learn how to navigate complex cases, offer tailored advice, and ultimately help your clients secure the best possible mortgage deals despite their credit issues.

We’ll be joined by speakers from:
• Bluestone Mortgages
• Mansfield Building Society
• Pepper Money
• Together
• Atom

Don't miss this opportunity to enhance your advisory skills and stay ahead in a competitive market. Register now and empower yourself with the tools to make a real difference for your clients.

Mastering Adverse Credit: Strategies and Insights from Leading Lenders

If you are looking for a lender lending in England and Wales with a bespoke approach to specialist lending, we are the lender to speak to. With no credit scoring and all cases manually underwritten, we are able to look at cases which are more complicated, quirky and niche and which require a human to look at them with no ‘computer says no’ mentality. Our front line mortgage managers have years of experience of dealing with more complex cases and will be able to structure a case for you and your clients. You’ll wish you had come to us before once you have used us!

USPs: (All applicable to properties in England and Wales unless stated)
1. Self-employed - We specialise in lending to the self-employed with over 55% of our book in this category.
2. Lending to Medical Professionals - where we can offer enhanced income multiples.
3. Lending to professionals/key workers - reduced rates for professionals/key workers.
4. Properties with or without land - We offer mortgages on small holdings (up to 100 acres) with or without agricultural restrictions/s.106 in place. (Must not be a working farm.)
5. Properties with annexes etc.
6. Green mortgages - preferential rates for residential properties with an EPC rating of A or B.
7. Semi-commercial - mortgages on flats above shops even if the shop / flat is on one title.
8. Buy to Let / Holiday let mortgages - will also accept Airbnb income.
9. Short term bridging - using our regulated bridging mortgage product.
10. Capital raising - we are happy to capital raise for any legal purpose.
11. Interest only - with a credible repayment strategy, we are happy to look at cases on interest only terms.
12. Lending in Retirement - up to age 85 for those who are retired/semi-retired and can look at interest only.
13. Lending into retirement - we can go up to age 75.
14. Self-build/renovation products available in England & Wales

Why should you talk to the Swansea Building Society about a mortgage case?

Affordability and income multiples are hot topics in the market right now. That’s why we’ve brought in Rachael Hunnisett from April Mortgages to break it all down. She’ll reveal how their innovative, European-style approach to borrowing can help your clients boost their borrowing power by up to 25%!

Rachael will also dive into April’s game-changing market launch, the benefits of increased LTIs with AffordAbility+, and how they’re putting brokers first with a unique proc. fee setup, bespoke underwriting, and a seamless broker portal.

Plus, Greg will share L&G’s take on long-term fixed rates and how the market is responding. Don’t miss it!

Join us for this insightful conversation with Rachael Hunnisett, Director of Mortgage Distribution at April Mortgages, and Greg Cunnington, Head of Lender Strategic Accounts at Legal & General Mortgage Services.

This will be a live session, so come prepared with your questions. 

They’ll also discuss:
• Benefits to Consumers: Rachael and Greg will discuss why long term fixed rates have emerged in the UK market and the key advantages they offer to consumers.
• Procuration Fee Model: Rachael will explain the innovative procuration fee model, highlighting feedback from brokers and Legal & General.
• Regulation and Customer Outcomes: A discussion on how long term fixed rates align with regulatory requirements and the importance of ensuring good customer outcomes.
• ERCs and Flexibility: Rachael will delve into the flexibility offered by April Mortgages and how they handle early repayment charges.
• Income Challenges for Intermediaries: Rachael will address the concerns of intermediaries regarding their reliance on 2 and 5-year maturity income.
• Market Predictions for 2025: Rachael and Greg will share their thoughts on the future of the mortgage market over the next few years.

Modernising the Mortgage Market with Greg and Rachael

In this session from The Stafford Building Society, NAM Emma Parker will share her insight into some of the more unusual enquiries and applications they have had in, from equestrian properties and converted churches to houses with multiple let annexes. With their sensible approach to lending, together with flexible criteria they should be sure to find a home for some of your more complex cases. This presentation focuses on the critical role of manual underwriting when dealing with unique properties, and complex income scenarios.

Untangling the knots: Mortgage solutions for unique properties and complex situations

In this webinar we’ll look at the rise of adverse credit, the state of the nation’s finances and the benefits of advising in this area of the market. We’ll conclude with the Bluestone proposition, service, and technology capabilities to ensure both you and your customer experience best in class service.

Changing the landscape of specialist lending

Join our first coffee morning of 2025, hosted as always by Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club. Sophie will be joined by Liz Martins, Senior UK Economist at HSBC. 

Liz will delve into the evolving economic landscape of the 2025 mortgage market. This session is designed for mortgage professionals and financial advisors interested in gaining an interesting early insight into where the market could be heading in 2025. 

This session will focus upon the current economic factors influencing mortgage rates and housing affordability, including inflation, employment rates, and domestic and global economic conditions.

Navigating the 2025 Economic Mortgage Landscape

Bank of Ireland for Intermediaries discuss their Bespoke proposition and how their pragmatic and holistic approach to cases and clients can support brokers to structure a funding solution. Cases are becoming more complex as clients’ lifestyles and working patterns continue to change, join the webinar to hear why Bank of Ireland’s personalised service is now more important than ever. Louise Weiss, National Account Manager at Bank of Ireland will discuss common themes and trends drawn from credit analysis data and outline how their proposition can continue to support the demand in the market.

Bank of Ireland Bespoke Service, Persona Profiles and Credit Analysis

In an era of market uncertainty, landlords often turn to HMOs & MUFB as a viable option to maximise their rental yields. In the upcoming third webinar, Roger Morris, will delve into the intricate world of HMOs & MUFB. This informative session will explore the rules and regulations that can impact HMO applications and provide insights into the varying regulations across different parts of the UK. Additionally, we will shed light on selective licensing, additional licensing, and the associated regulatory intricacies.

Topics Include:
1.     2004 Housing Act and the definition of a HMO
2. An introduction to Article 4 and Permitted Development Rights
3. How a property is converted into a HMO
4. Planning applications 
5. What is mandatory licensing?
6. What are some of the rules and regulations that could affect an HMO application now and in the future?
7. Selective licensing & additional licensing rules.
8. What are the rules in Northern Ireland, Wales and Scotland?

A comprehensive guide to Houses in Multiple Occupation (HMOs) and Multi Unit Freehold Blocks

Join us for an insightful webinar tailored specifically for mortgage brokers, where industry experts from our panel of lenders will delve into the complexities and opportunities in providing mortgage support for High Net Worth Individuals. This engaging panel discussion will cover a range of topics including bespoke mortgage solutions, underwriting challenges, and emerging trends in the high net worth mortgage market. Gain exclusive insights, network with key players in the field, and elevate your expertise to better serve your affluent clients. Don’t miss this opportunity to deepen your understanding and stay ahead in the competitive mortgage space.

We'll be joined by speakers from:
• Bank of Ireland for Intermediaries
• Harpenden Building Society
• Saffron for Intermediaries
• April Mortgages
• TSB

Mortgage Solutions for High Net Worth Individuals

With an increasing number of landlords contemplating incorporation, especially in light of the rising costs of funds, it's crucial that they are well-informed about the implications of operating their business as a limited company SPV or in personal ownership. In this second instalment of our 3-part webinar series, Roger Morris will delve into the intricacies of ownership structures. He will emphasise the importance of landlords seeking independent legal and tax advice. The session will cover topics such as incorporation tax relief, beneficial interest, and why tenants in common is just one of the many solutions landlords should consider.*

Topics include:
1. An introduction to complex buy-to-let ownership structures
2. Understanding the implications of the recent cost increase in borrowing
3. Overview of different tax structures for BTL.
4. What are debentures and floating charges?
5. Stamp Duty surcharge and final rules
6. Rental yields
7. Joint tenants vs tenants in common
8. Form 17
9. Inter-company loans
10. Different structures to hold shares in companies
11. An overview of incorporation tax relief (section 162)
12. Ramsay Ruling 27 March 2013

The different structures of ownership for BTL

In this inaugural webinar of our three-part series, Roger Morris will guide you through an overview of the BTL landscape and the seismic shifts that have transformed the buy-to-let landscape. We'll delve into the recent rule changes and look at the ones to come and the substantial increase in funding costs, dissecting their impact on the market and, most importantly, what every landlord and broker needs to know.
Join us as we equip you with the technical skills necessary to navigate these changes and make informed decisions. As the first step in our journey, we'll lay the foundation for a comprehensive understanding of the evolving buy-to-let sector.
 
Topics include:
1. Legislative Timeline: Understand how legislative changes within the market have impacted landlords over the years.
2. Buy-to-Let Overview: Explore the current buy-to-let landscape and recent legislative changes.
3. First Time Buyers vs. First Time Landlords: Considerations for both groups.
4. Introduction to Section 21: A crucial aspect for landlords.
5. Special Purpose Vehicles (SPVs) and Tenants in Common: Key concepts.
6. Tenant Types: Differentiate between tenant profiles.
7. Affordability Stress: Understand background affordability stress.
8. Why Invest in Buy-to-Let: Motivations for landlords.
9. Changes for Landlords: What has shifted recently.
10. Adapting to Change: Strategies for landlords.

An overview of the Buy-to-Let landscape

Samm Piper (L&G) and James Enos (Hodge Bank) discuss Hodge's strategic focus in 2024 and their new propositions (Hodge Resi & Hodge Resi Retire) designed to support the borrower of today with their affordability and complex income needs. They'll also be discussing growth across the older borrower market and why lending in later life is becoming the "norm", along with what can be expected in 2025 and the opportunities for brokers.

Hodge Bank 2024 reflections and expected developments in 2025

The last nine months have been characterised by change: a new government, the cost-of-living crisis, higher interest rates. TML created an extensive research project which aimed to get inside the minds of potential customers. Join Louise as she shares the data and insights of their latest research.

Real Life Borrowers

Please join Director of Sales, Grant Hendry for a dive in to 2024s Pegasus landlord data trends and how Foundation have used the market trends to improve their proposition to help you and your clients.

A look back at 2024 from Foundation

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

UK Mortgages

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

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