Name: Sophie's Adviser Coffee Morning: RIO Vs Lifetime Mortgages with L&G Home Finance
Start: 2022-04-29T10:00:00Z
End: 2022-04-29T10:39:19.000Z
Location: BrightTALK
Rating: 4.6

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Self-employed clients can sometimes struggle to find the right mortgage for them, especially if they don't know where to look. Criteria, affordability, evidence of income are all factors that may cause a self-employed client to trip up on an application, how can we help them to find the right mortgage for them?

Danny Belton, Head of Lender Relationships for Legal & General Mortgage Club will be joined by lenders from across the industry, to discuss the self-employed market.

Guest speakers include,
Jade Wooldridge from Hinckley & Rugby For Intermediaries
Louise Apollonio from The Mortgage Lender

Supporting Your Self-Employed Clients

With pressures mounting on borrowers' finances with the rise of gas and electricity, council tax, food shopping and climbing inflation, more and more borrowers are falling outside the criteria of the high street. Thus we are seeing an upsurge in the demand for specialist lending. If you think about it, one missed mortgage payment or arrears on some of your household utilities could ultimately mean that you can no longer shop on the high street and so it is essential that all options are considered when deciding who the most appropriate lender is to fulfil your customer’s needs.

It’s not just adverse credit that is fuelling the growth of the specialist lending sector however, it’s the holistic approach adopted by specialist lenders to accommodate those that are underserved by the high street whether that be relating to the self-employed or complex income, adverse credit or unusual property types and constructions such as concrete, timber framed, high rise or next to a commercial.

United Trust Bank are a growing bank based in central London that offers a range of specialist mortgage products to help you with cases that don’t quite fit on the high street. They offer residential products, BTL and second-charge loans to help you with all of your specialist needs. The aim of this webinar is to highlight the types of customers that fall into this area and equip you with the tools and knowledge to help them.

Growing Opportunities for Brokers in the Specialist Market

Andrew Cappaert, National Account Manager at Brightstar will discuss the essential need in a contracted market to ensure you are looking at the potential of new opportunities in new areas and not just relying on how you have done things previously.

The need to find solutions for your client is as important as ever because if you can’t find the right product, then they will find someone else who will.

By providing the right solution to your clients’ needs not only helps your client retention but can also lead to further opportunities in the future.
What key questions can you ask in a fact find which may lead to a holistic approach and new revenue streams?

Why, more than ever, this is the year of working smarter not harder

The current residential mortgage market is challenging. The cost of living crisis, new complex income streams, and an increase in adverse credit are all challenges faced by homebuyers who need the right support. What opportunity does this bring to mortgage brokers across the country? How can lenders adapt criteria and products to produce a simple solution to the new ‘norm’? Why do we all need to prepare for the resurgence of homeowner mortgages?

The rise of homeowner mortgages, for everyone

Join us for a round of presentations from Lenders specialising in the Buy-to-Let and Holiday Let market, hosted by Samm Piper, Lender Account Executive at Legal & General Mortgage Club.

The Lenders be sharing their propositions, discussing current market trends and opportunities and providing insight into how they see the market developing.

Hear from:
• Steve Hewitt - Aldermore
• Jean Errington - Harpenden Building Society
• Kate Martin - Quantum Mortgages
• Emma Parker – Stafford Railway Building Society

This will be a live session and we'll be welcoming questions from the audience.

Sparks: BTL & Holiday Let Roundtable

Join Louise as she discusses current market conditions in 2023. She will look at the impact it is having on customers, amplifying affordability, the effect of cost of living and also the current opportunities for the specialist sector. She will finish off with the impending Consumer Duty.

Real Life Lending Opportunities in 2023

The topic on everyone's minds... Consumer Duty.
Zara Bray, Key Relationship Manager at Legal & General Mortgage Club, will meet with Stacy Penn, Senior Policy Adviser at the Association of Mortgage Intermediaries to discuss the latest in Consumer Duty, including:

What is a Fair Value Statement? (And what is it not?)
Vulnerable Customers - how can we best support them?
Broker Fees - doing the right thing for your clients.
Customer Surveys - is it customer understanding or just customer satisfaction?
Questions from Lenders - what questions do you have to answer?
Later Life - what support is there for the older borrower?

Come prepared with your questions for Zara and Stacy in this live and interactive session, on Tuesday 16th May.

Consumer Duty Webinar

The buy to let landscape is constantly evolving and with that the needs and wants of landlords.  This webinar looks at some of the key changes, how they have affected the market and more importantly how specialist lenders like Kent Reliance for Intermediaries and Precise Mortgages can help landlords achieve their buy to let aspirations.

During our session we will discuss:
• How macro-economic factors such as the cost of living, soaring inflation and rising interest rates affect landlord’s.   
• Explain how specialist lending could help landlords achieve their BTL aspirations 
• Opportunities and challenges that face landlords 
• Demonstrate why Kent Reliance for Intermediaries and Precise Mortgages should be an essential part of your buy to let toolkit!

Book now to save disappointment!

Navigating the Buy to Let Landscape in 2023!

Harpenden Building Society sees many opportunities within specialist lending and complex mortgages and income. They manage complex cases, offer bespoke solutions and provide flexible underwriting. They provide individually underwritten mortgages tailor-made to the customer’s needs and have the expertise and experience to specialise in managing complex cases. They consider many forms of complex income, including pension, trust income, maintenance and investment as well as standard employed and self-employed.

A pragmatic approach to lending for your clients and their property

Skipton Building Society have launched Track Record, a new proposition for those stuck in rentals, unable to save for a deposit, but who have a Track Record of paying rent and all household expenditure. Paul Fenn, Director Business Development at Skipton Building Society, joins Danny Belton to talk about what the proposition is, who it'll help and why Skipton have launched it.

Skipton Building Society - Track Record

Join Jade Wooldridge and Joe Entwistle, Hinckley & Rugby’s Business Development Managers, alongside some guest speakers, as they talk about Hinckley & Rugby’s approach to how the society is tackling the Carbon Footprint themselves, as well as taking a look at what they can do to further support your business and your clients with their manual approach to lending.

H&R’s common sense approach to lending with a sustainable future

There have been many advances in technology over the past few years, which can be beneficial to all parties in the mortgage industry, but how do you know what’s the right tool for your business? And how can you make sure you’re getting the most out of the technology you use?

In this Coffee Morning, Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club will be joined by James Adams, Founder & Co-Director at My Simple Mortgage to discuss how using the right tools can help you strike the balance between tech and human interaction. They’ll also be covering the tech options available to brokers, how you can implement it and why it’s important.

This will be a live session, so come prepared with questions for Sophie and James. If you can’t attend on the day, it will be available to catch up on-demand.

How to implement tech in your business

Join experts from Hodge for their Professional Mortgage webinar. They’ll discuss the rise of specialist lending, explaining more about their unique solutions for professionals with complex income. There’ll also be an underwriter on hand to talk about their reassuringly human approach to lending. With up to 90% LTV, 6x income, and 100% of validated multiple income streams accepted as well as interest only (all from age 21 and available to FTBs), Hodge's Professional Mortgage is worth talking about. Don’t miss what promises to be an extremely useful 45 minutes.

Complex made simple: Mortgage solutions for professional clients

With the rising cost of living, homeowners are looking for ways to save money – including energy bills. Home insulation, double glazing, low wattage bulbs can all help with fuel costs, but retrofitting can also improve the property’s EPC rating, which in turn, could get them a great deal on a Green mortgage. They’re not the only ones who could benefit! Those looking too purchase new builds or first-time buyers are also interested in whether a Green mortgage is right for them. 

We'll be joined by;
Halifax for Intermediaries
Kensington
Landbay
Tandem

Join this panel discussion to hear what lenders are doing to help your clients with Green mortgages and their thoughts on where the Green market is heading.

Green Mortgages

Swansea Building Society is the best-kept secret in the mortgage industry. Join this webinar to discover how their personal, tailored, and common sense approach to lending with no credit scoring and all cases manually underwritten can help you and your clients.

Swansea Building Society, the best kept secret in the mortgage industry

Exclusively for Legal and General Mortgage Club, West One looks at the current challenges the property market is facing today. Join the conversation to see how you can overcome these by looking at more innovative products which tackle affordability, complex criteria obstacles, and products that are competitively priced for you to provide options to borrowers. In a year that is predicted to be driven by product transfers, West One, as a specialist lender, shows why you should be looking at all facets of specialist lending to boost your revenue and provide clients with greater options.

Overcome current market challenges through product innovation, criteria & price

Join Matt Martin, National Account Manager at Virgin Money who will be talking about the green challenge we all face – discussing the wider implications and the big challenge we have within the housing market to help to try and reduce our collective carbon footprint and aim for net zero emissions. He’ll talk about what Virgin Money are doing to put their ‘carbon footprint down’ but also take a look at what they can do in terms of further support for your business.

Going Green with Virgin Money - Strong foundations for a sustainable future

This webinar will cover the need for lenders to adapt to the changing needs of the customer in an unpredictable world. These changing needs include:
- Market pressures
- Concerns about issues in the news
- Changing needs of the customer (employment patterns, life events, financial history)
- How The Nottingham can help – our proposition
- Our plans for transformation

The Nottingham - a case for change

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

Mortgage market

mortgage adviser

financial adviser

lifetime mortgages

later life lending

retirement interest only mortgages

mortgage suitability

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

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