Name: Understand Equity Release in the Current Climate and How It Can Help Customers
Start: 2022-11-16T11:00:00Z
End: 2022-11-16T11:00:33.000Z
Location: BrightTALK
Rating: 5

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An incredible 28% of retirees have returned to work as the cost-of-living bites. Now, more than ever, the industry needs more brokers to step up and embrace later life lending. 

LiveMore’s “The Cost of Living Over 50” project looks at how the crisis is affecting older borrowers:

• 59% have been impacted by the cost-of-living
• 1 in 5 don’t know how they will cope
•  6 in 10 don’t trust financial services to help them navigate the cost-of-living

In this webinar, LiveMore discuss the biggest misconceptions in later life lending and how it is easier than many brokers think to help borrowers over 50.

The five biggest later life lending myths dispelled

It's no question, the mortgage world has evolved. From the re-introduction of tracker interest rates to new methods of calculating affordability, the market has adapted to it's challenges. How are lenders best preparing for greater evolution and what step are LendInvest Mortgages taking to best support your customers.

This is a live webinar, so come prepared with your questions for LendInvest

How has mortgage lending evolved?

The webinar will focus on the challenges brokers and their clients are currently facing with affordability due to rising to raising inflation, higher mortgage interest rates and the increased cost of living.

During the webinar James Enos (National Account Manager) and Emma Graham (Director of Business Development) will be joined by with Louise Swainston (Head of Mortgage Risk) to discuss the changes in lender attitudes and challenges with affordability over the last 12 months. James and Emma will then run through how Hodge is looking to support brokers and their clients across their Professional, 50+ and RIO propositions with enhanced affordability and Interest only criteria. Finally James and Steve Samuel (Senior mortgage underwriter) will discuss the wide variety of income Hodge can consider and how these support the needs of today’s borrower.

The challenges in affordability and need for a flexible approach.

Join us for a virtual roundtable, with lenders who specialise in Later Life mortgages talking about the market and how they can help you to help your customers.

We'll be joined by:
Simon Glass from Beverley Building Society
Kate Morgan from Hodge
John Davison from Perenna
Karen Banks from Pure Retirement

This will be a live webinar, so come prepared with your questions and cases!

Lending in Later Life - Roundtable

Mark Rookyard, Regional Sales Manager at the award-winning BTL lender, Zephyr Homeloans, will provide an update on aspects from the rental market, including UK rent prices and planned changes to EPC rules, as well as highlights from Zephyr’s lending criteria.

Join the webinar and you’ll also find out about how partnership incorporation could benefit landlords, and you’ll have the opportunity to ask questions.

Buy to Let Market and Zephyr Update

As an adviser, are you looking for more tech to help support and streamline your operations?

If so, then join Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club for our next tech-focused coffee morning. Sophie will be joined by Thora Kehoe, Chief Product Officer at Smartr365 to discuss what they are currently building and what’s in their future pipeline. 

Smartr365 are an end-to-end mortgage and protection platform connecting advisors, estate agents and home buyers. Their mortgage broker CRM system helps advisers save time, reduce paperwork and consolidate applications into a single, easy to use software platform for mortgage brokers.

Mortgage Tech Update - What’s new with Smartr365?

Join Louise Apollonio, Head of Corporate Accounts at The Mortgage Lender, as she looks at the current market and the impacts of this on customers. She will share TML’s findings from their recent research around cost of living and the impacts on affordability, as well as looking at how to maximise borrowing.

Real Life Lending – amplifying affordability

Join our Roundtable to hear from lenders who specialise in non-mainstream mortgages. Hosted by Telephone Relationship Manager, Elle Heal, this webinar will provide mortgage advisers with insight into the products and services available to their clients that struggle to qualify for a standard mortgage and are looking for something a bit different.

Elle will be joined by speakers from:

• MT Finance
• Saffron for Intermediaries
• Market Harborough Building Society
• West One

What's so special about Specialist Lending?

Michelle Ward, National Account Manager and Kim Dickinson, Business Development Manager will share some great reasons to use Virgin Money and Clydesdale Bank; bringing to life recent proposition and criteria changes which will help you say ‘yes’ to more.

Virgin Money and Clydesdale Bank – Saying ‘Yes’ to More…

Do you have clients that don't fit the standard mainstream lending types? Do you need something a bit more specialist?

Then join our webinar to hear from lenders who are experts in the specialist market. Covering bridging, second charge, ex-pat and more, this panel of lenders will be on-hand to answer your questions and help you place those difficult cases.

Samm Piper, Lender Account Executive at Legal & General Mortgage Club hosts this lively panel discussion, with speakers:
• Kyne McAllister, Affirmative
• Jonathan Mann, OSB
• Caroline Mirakian, UTB
• Alan Collins, ROMA

As this is a live session, come prepared with your questions for our lender guests!

Specialist Lending: One size does not fit all

In the ever-evolving landscape of residential mortgages, staying in sync with market trends and skilfully tackling intricate criteria are crucial. At Harpenden Building Society, we're here not only to provide unwavering support but also to empower you with knowledge.

Join us for an engaging webinar titled "Unveiling Residential Mortgage Complexity: A Harpenden Building Society Perspective." In this session, our expert, Chelsea, our Telephone Business Development Manager, will guide you through the maze of residential mortgage niches. Our flexible lending criteria have been meticulously designed to address these intricacies, and we're excited to share our insights with you.

Throughout this interactive presentation, we will explore the unique challenges and opportunities that mortgage brokers face in today's dynamic residential mortgage market. Chelsea's expertise will be your compass, covering complex property criteria, navigating diverse income streams, and effectively juggling multiple sources of income.

Join us to gain valuable insights and strategies that will empower you to excel in the realm of the more difficult-to-place residential mortgages. Your success is our priority, and we're here to support you every step of the way.

Unveiling Residential Mortgage Complexity: A Harpenden Perspective

Earlier this year LendInvest commissioned a market survey to discover how aspiring homeowners who are self-employed, have irregular credit histories, or complex income streams feel in today’s environment. Here’s a sneak peak - 48% of respondents said their lives were negatively impacted by the mortgage process. Join LendInvest Mortgages to explore the full research - what they are doing to support borrowers and how mortgage brokers can help too. LendInvest’s BDM, Waqar Khan will take you through the findings and explore the different solutions on offer.

This will be a live webinar, so come prepared with your questions for LendInvest

How difficult is it to get a mortgage: Surveying borrowers to meet market needs

Modern needs demand modern solutions, and the current demands on the residential mortgage market are ever-changing. The impact of the cost of living, employment status, impaired credit history, and supporting professional/key workers and the self-employed. These are growing areas of complexity that need a simple solution. What opportunities are there for the broker community and how can specialist lenders help? And has specialist lending become the new normal?

Meeting the complex demands of the residential market

Following a brief hiatus, our coffee mornings are back! 

With the mortgage market currently experiencing extremely challenging conditions, advisers need all the support they can to be able to write business effectively. Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club will be joined by Greg Simkins, Senior Mortgage Associate at LargeMortgageLoans to discuss how as a packager they can support advisers with complex cases that they can’t place on their own. LargeMortgageLoans provide bespoke solutions for clients with complex financial circumstances including high net worth individuals, entrepreneurs, expats and foreign property investors.

Support for Difficult Cases

As a New Entrant to the Intermediary Specialist Mortgage Market Tandem want to challenge “the norm”.  Tandem will demonstrate exactly how they are reimagining the mortgage process.

Tandem Bank – Bringing New Thinking to the Specialist Lending Market

With customers facing rising interest rates, soaring inflation and significantly increased living costs, the demand for specialist lending is growing.  However, it’s not just homeowners that are affected, many buy-to-let landlords are also exploring how best to maximise their rental yields including portfolio diversification.
 
Whatever lending challenges your customers are facing, we have a range of solutions at Precise Mortgages, Kent Reliance for Intermediaries, and InterBay (part of the OSB Group).
 
We understand the complexities of cases that fall outside of mainstream lenders’ criteria that need an alternative approach to lending and we could support:
 
>. Buy-to-let landlords looking to diversify their portfolio
>. Customers with adverse credit
>. Purchasers struggling with complex incomes, affordability and low deposits
>. Those looking to remortgage for debt consolidation with affordability challenges.

Plus demonstrate why Kent Reliance for Intermediaries, Precise Mortgages and InterBay should be an essential part of your ‘Alternative Approaches’ toolkit.

Book your place today to save disappointment!

Achieve Success Using Alternative Approaches to Lending

Join us for our 3rd and final webinar in our Consumer Duty Series.
Zara Bray, (newly appointed) Head of Broker at Legal & General Mortgage Club, and Stacy Penn, Senior Policy Adviser at the Association of Mortgage Intermediaries (AMI) will be meeting again to discuss where we currently are with the approaching Consumer Duty deadline, and what resources are available to support advisers.

Come prepared with your questions for Zara and Stacy, as this will be a live session!

Consumer Duty - the final countdown

In a market that is driven more so on affordability than ever right now, we will run through the ways in which Bespoke can enable your clients to maximise their borrowing capacity across both Residential and Buy To Let property.

Utilising Bespoke For Your Clients

Pure Retirement are lifetime mortgage specialists for intermediaries only. Business Development Manager, Ashley Sampson will be discussing how equity release is forming part of the holistic financial planning conversation, the ER market conditions, the impact of the current climate, and forecasts going forward.

Understand Equity Release in the Current Climate and How It Can Help Customers

Mortgages

UK Housing

Equity Release

Later Life Lending

Retirement

Lifetime Mortgages

Financial Planning

Financial Markets

UK Mortgages

Mortgage Lending

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Understand Equity Release in the Current Climate and How It Can Help Customers

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