Name: Responsible Lending & The Cost of Living with Hodge & Stepchange
Start: 2022-09-07T10:00:00Z
End: 2022-09-07T10:39:32.000Z
Location: BrightTALK
Rating: 5

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2022 was a big year for New Build, with Help to Buy ending and the emergence of new Government schemes. In this Sparks session, we'll be hosting a roundtable with Lenders offering their perspective on:
What's happening with New Build in 2023?
How can we support New Build borrowers?
What are the market trends in Residential and BTL?
Are there any advancements in Government schemes?

What's new with New Build?

Our March coffee morning will welcome Danny Belton, Head of Lender Relationships for the Mortgage Club and Sundeep Jadeja, National Account Manager from Barclays Bank. This session will focus upon service levels and support for brokers from a prominent high-street lender. It will also give Barclays the opportunity to outline the reasons why service levels can fluctuate as they have in recent months, as well as highlighting how brokers and lenders can work together to mutually support each other, especially during busy periods of market activity.

Let’s Talk Service Levels

Lou Ritchie & Wes Regis discuss the BTL mortgage landscape from a Key Account Manager’s perspective.

Join Lou and Wes as they discuss the BTL mortgage market in 2023, focusing on some of the hot topics that are impacting this specialist lending space.
Market forecasts, rates and affordability, property prices, product development, the challenges and opportunities. Nothing is off the table!

In Conversation with the Fleet Key Account Managers: The 2023 BTL Market

Join Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club as she runs through the added benefits that we offer to help your business grow. From technology that saves you time to optional payments in advance, Sophie will be running through the benefits, exploring what they actually mean for you. So, whether you’re an existing member looking to grow your business, or an adviser looking to see what Legal & General Mortgage Club can offer, register today. Sophie will also be joined by her co-host Toby Miles, from the Club's Telephone Relationship Management team, as well as special guest Chloe Harrison from TriPlus Financial, who will speak firsthand about how the Club's member benefits have helped her business. 

By working together, we all get stronger. So, surround yourself with support and let our strength be yours

10 steps to get the most of your Mortgage Club Membership

The Harpenden view – the complex made simple...

Join Vanessa Hunt, Key Account Manager as she looks at what is in store for Harpenden Building Society in 2023. Vanessa will be exploring why Harpenden may be the best fit for your complex cases this year, looking at some real-life case studies and USPs to highlight why you should look at Harpenden Building Society for some of your self-employed, complex income, BTL and holiday let cases in 2023.

A Home for Complex Mortgages

Mortgage Tech is constantly evolving, from affordability calculators to e-docs, but how can you use tech in your business to help your clients?

In this Sparks session we're joined by Generation Home and Skipton for Intermediaries to discuss what advances have been made in recent years, what further work can be done, and the benefits to advisers of using tech in the day-to-day running of your business.

How to make the most of technology in the Mortgage Market

Join Louise Apollonio, Head of Corporate Accounts at The Mortgage Lender, as she looks at the current mortgage tech landscape, she will look at what technology is available and how this can used to improve both the user and customer journeys.

What is Mortgage Tech?

The Mortgage review is a great opportunity to review a client’s needs and continue to build a long term relationship. There is intense activity in the re-mortgage and product transfer markets so it is important that, as your client’s advisers, mortgage & protection specialists, you are able to demonstrate to customers the added value that you provide. This involves ensuring they’re fully aware of the importance of protection at review time especially when they may have had a change in personal or financial circumstances since their previous review. Let's ensure they are fully protected. This session looks at the opportunity the review gives you, the importance of a positive mindset and promoting the value of your services. We provide a useful checklist to help ensure you and you clients are aware of the need and have a clear, practiced process in place to help customers to choose you to help them protect what’s most important to them. The areas covered and learning objectives are 

1. Consider the opportunity available to you from your clients Mortgage reviews and the need for them to include all aspects of protection 
2. Understand a simple approach to help you build on the mortgages you arrange for your clients leading to a long term relationship 
3. Identify how you can develop your Mortgage review advice process to ensure your clients are protected. 

It is CII accredited for structured CPD.

Making the most of the remortgage opportunity: Protection

In light of the economic climate in the latter half of 2022, it’s unsurprising that more customers than ever before will be leaning on the specialist mortgage market in 2023 to support their financial requirements. Recent studies suggest that more than 15% of the adult population are found to have adverse credit on their file and that number that is growing quickly as incomes are stretched across increasing energy bills, mortgage commitments, the cost of living, and the impact of inflation. 

However, it’s not just adverse credit that is fuelling the growth of the specialist lending sector. It’s the holistic approach adopted by specialist lenders to accommodate those that are underserved by the high street whether that be relating to affordability especially related to the self-employed or unusual property types and construction. Additional borrowing needs, home improvements, payments of the pending personal tax bills looming at the end of the financial year, and debt consolidation are set to be just a few areas of significant growth this year.

All of these factors mean that if you are not engaging with the specialist sector, you risk failing to meet the needs of your customers. Hannah Oades, Corporate Account Manager at United Trust Bank looks to examine the growing opportunities for mortgage intermediaries in the specialist market to help you to better support your customers and place those tricky cases.

Growing Opportunities in the Specialist Market

What's in store for BTL borrowers looking to re-mortgage or product transfer in 2023?

We're joined by speakers from Aldermore, Fleet Mortgages and Santander to discuss the opportunities and challenges that are coming in the new year and how we can all support clients with the changing rates and products.

Join us live and ask your questions to our panel of experts!

Buy-To-Let Re-mortgage & Product Transfer in 2023

Our monthly coffee mornings are back again, hosted as usual by Sophie Holloman, Key Relationship Manager. We kick off the new year with an opportunity to hear from our new Director, Clare Beardmore, as she sets out her vision for the Mortgage Club across 2023. Sophie and Clare will also take a look back at 2022 and how the Club thrived and continued to innovate, whilst facing some tough market challenges.

2022 into 2023 – looking back so we can look forward

Now available on SmartrFit, Bespoke from Bank of Ireland offers advisers a personalised and flexible service for good quality complex cases.

To find out more about the product and how you can access it on SmartrFit, join Samm Piper and Rhys Powell, National Account Manager, for Bank of Ireland on 18th January at 11am.

Samm and Rhys will be taking a deep dive into what Bespoke is, how it works, the ideal case and demonstrating how it can be found on SmartrFit.

How 'Bespoke' from Bank of Ireland can help with your complex cases

Welcome to our first Sparks session of 2023! And what a way to start off this year's Sparks series, with a panel discussion on Re-mortgage & Product Transfer.

Samm Piper, Lender Account Executive at L&G Mortgage Club will be joined by lenders representing the market, from mainstream to specialist lending, focussing on Residential Re-mortgages & Product Transfers - a hot topic in 2023, with 1.8million mortgages estimated to need re-financing, it's sure to be a record year.

Hear from Darlington Building Society, Eligible.ai and Foundation Homeloans for their takes on the re-mortgage market for 2023, how they're planning to approach this surge and how they can support your clients.

Supporting your residential clients through their re-mortgage

Join Craig Flinter from Digital Mortgages by Atom bank, as he shares some of the key things to consider when dealing with mortgage applicants in a cost of living crisis and what you can do to help them with their application.

Please note, this webinar is only suitable for members of Digital Mortgages by Atom bank’s intermediary panel.

Helping mortgage applicants affected by the cost of living crisis

Join Tom Denman-Molloy of Mansfield Building Society as he explores why building societies focus on niche lending and don’t try to compete with high-street lenders.

The Evolution of Lending

Join the conversation as Will Rice, Founder and CEO at Generation Home meets with Danny Belton, Head of Lender Relationships at Legal & General Mortgage Club, to discuss the current market conditions and opportunities, and how they would tackle lending to clients who need an alternative approach.

Gen H encourage you to interact and ask questions throughout this live session.

Alternative approaches to lending with Gen H

This informative webinar from Bluestone Mortgages will cover the following topics:

1) Impact of SWAP rates on the Specialist Market 
2) What next for FTB's after the end of HTB 
3) Solving the affordability challenge 
4) The importance of Specialist Lending in 2023

Specialist Lending outlook and the importance of income diversification in 2023

Get back to basics with Hodge as they talk about market opportunity, RIO as an alternative to equity release and some of the unique features RIO can offer the right over 50s client. They’ll also have a broker who writes RIO business plus an Underwriter on hand to help you understand how to get the case over the line. If you’re a forward-thinking broker who wants to keep up with today’s older borrower, don’t miss this webinar.

Back to Basics with Hodge: RIO Masterclass

Join a host of experts from specialist mortgage lender Hodge for an engaging 45 minute webinar featuring StepChange Debt Charity, covering a range of current topics including:

• Emerging trends & customer sentiment - are we seeing trends that would indicate customers are starting to feel the squeeze?
• How is the cost of living impacting mortgage affordability? 
• Opportunities for the mortgage market and current attitudes across the broker community 

The aim: to help you understand further the current economic back drop and what the cost of living crisis means for lenders, for you and for your customers in terms of mortgage lending.

Responsible Lending & The Cost of Living with Hodge & Stepchange

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Later Life Lending

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Responsible Lending & The Cost of Living with Hodge & Stepchange

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