Paul Adams, Sales Director, will be discussing diversity that exists in specialist lending and how this can support a more diverse and loyal customer base. While touching upon key insights gained from Pepper Money’s most recent Adverse credit Study, and the cost of living crisis, Paul will explore why it of increasing importance that advisors work with specialist lenders and the level of expertise they can offer and will refer to some key customer profiles to illustrate this along. Finally, Paul will talk about the ability for Pepper and brokers to look past a credit score and ‘financial blips’ to understand the needs of the customer and how this provides perfect footing to grow our businesses together.