Name: Countdown to Consumer Duty
Start: 2023-03-27T10:00:00Z
End: 2023-03-27T10:00:42.000Z
Location: BrightTALK
Rating: 5

Your one-stop shop for all our lender webcasts, roundtables and educational videos. Also sign up for live webinars and search our archive of videos including footage of Mortgage Club events.

Join our new coffee morning host, Elle Heal, who will be discussing second charges with Matt Tristram, MD of Loans Warehouse. 

Whether you're new to second charges or looking to sharpen your expertise, this webinar breaks down the essentials and uncovers powerful strategies for using second charge mortgages to solve real-world client challenges. From myth-busting to case studies, we’ll explore how second charges can protect low rate first mortgages, boost affordability, and open new doors for clients, and for your business.

Second Charge Secrets: Unlocking Smarter Solutions for Every Client

Do you have older clients who are:
• Stuck on interest-only mortgages?
• Paying high Standard Variable Rates?
• Or approaching the end of their repayment term with no clear solution?

Many homeowners are facing increased financial pressure at a stage in life when resilience may be at its lowest. As a trusted adviser, you’re in a powerful position to make a difference.

Join our upcoming webinar to explore how you can support clients in this situation, including how equity release and other later-life lending solutions can help them manage rising costs and achieve greater financial flexibility.

Helping Older Customers Manage Mortgage Pressures Through Later Life Lending

Join Jean Errington, Telephone Business Development Manager to hear how Harpenden Building Society can assist with the cases that require an individual assessment.

Flexible Lending

Join us for a practical deep dive into how lenders assess self-employed mortgage applications - and exactly what you need to gather in advance to give your clients the best chance of approval. 

In this session we'll cover: 

• How lenders evaluate income, profit, and business structure
• The role of business accounts, tax returns, SA302s and more
• What the underwriter will look for
• Red flags and common pitfalls
• Tips to strengthen an application and speed up approval
• How Furness's individual underwriting approach can help you with self-employed clients and complex incomes

Self-Employed borrowing: What lenders look for and how to ace your case

In a fast-moving market, brokers are under increasing pressure to deliver solutions that meet the diverse needs of their customer base. From first time buyers, to home movers, to landlords and those seeking a second charge, staying ahead of industry trends is essential to growing your business.

Join United Trust Bank's webinar as we explore the latest developments across residential, buy to let and second charge markets, highlighting opportunities and challenges that are shaping demand.

Discover how flexible criteria, open dialogue with underwriting and a specialist approach help turn those complex cases into successful completions, helping you say yes to more customers.

Boost Your Business with UTB Mortgages: Complex Lending Made Simple

Join us for a panel discussion tailored for mortgage brokers eager to expand their expertise in the later life lending market. With demographic shifts and evolving needs among older borrowers, later life lending is fast becoming a key growth area in the mortgage sector. 

Hear from: 
LiveMore 
Mansfield Building Society 
Family Building Society 
Harpenden Building Society 
Vernon Building Society 

This webinar brings together expert speakers from leading lenders in this area, to shed light on the latest trends, product solutions, and practical approaches for serving clients aged 55 and above. 

Our panel will explore: 
The current landscape and future direction of later life mortgages in the UK 
Key product innovations and criteria from specialist lenders 
Best practices for advising older borrowers, including affordability and risk considerations 
Live Q&A session 

Whether you're new to later life lending or looking to deepen your understanding, this session will provide practical insights and real-world perspectives from those leading the way in this specialist market. Don't miss the chance to connect with lenders, ask your burning questions, and discover how you can support your clients' evolving needs.

Product Innovation and Partnership in Later Life Lending

Join Louise Weiss at Bank of Ireland for Intermediaries as she explores how changing demographics shaped by evolving ways of earning, living, and borrowing are redefining mortgage advice.

Discover why going beyond the rate and focusing on finding solutions is essential for today’s mortgage advisers.

Structuring solutions beyond the rate

Learn about more opportunities, more options and more ‘Yes’ for clients over 50!

Join Darren Cunliffe and Steven Bailey of LiveMore Mortgages who will present:

- A later life market update and highlight the growing opportunities for intermediaries 

- The affordability options available and considerations around client income, properties and credit 

– Our broad later life lending range, including our limited-edition offer of £1000 cashback

- A discussion on the FCA Consultation paper and What LiveMore is doing

LiveMore make it easier to recommend products for the over 50s in the age of Consumer Duty.

Want to know more about a growing market and opportunity?

Property investors are facing a bitter cocktail of higher interest rates, rising costs, and an increasing regulatory burden. Rental yields have flattened, and many are questioning how to achieve sustainable returns.

Within this challenging environment lies an opportunity: refurbishment. By improving quality, expanding footprints, or converting into higher-yielding uses such as HMOs, landlords can unlock both stronger rental performance and greater capital value.

In this session, we’ll explore why refurbishment is becoming central to the economics of property investment, which projects are driving returns, and how specialist finance can help accelerate equity growth. We’ll also share how our refurbishment lending product was designed to meet these needs, giving borrowers the flexibility to enhance assets and realise lasting value.

From Low Returns to Lasting Value: The Case for Refurbishment Lending

Join Liam Cooper, BDM at Zephyr Homeloans, as he reveals the latest insight from The DPS landlord survey, and how you can turn it into opportunities. He’ll wrap up by sharing the biggest opportunity — why Zephyr’s BTL solutions can give you and your clients the edge. If you have landlord clients, it’s a webinar that’s not to be missed!

The BTL Edge: Turning Insight Into Opportunities

Join us for an interactive virtual roundtable designed exclusively for mortgage advisers eager to enhance their Continuing Professional Development (CPD). This engaging session will shine a spotlight on specialist areas, providing a unique opportunity to explore the evolving landscape of niche mortgage products and solutions. 

Hear from industry experts as they deliver focused presentations on topics such as self-build, international lending, protection and later life. Each speaker will demystify specialist products, share actionable insights, and offer practical tools you can use to better serve clients with unique needs. 

Session topics include:
L&G Retail Protection: The importance of Protection
L&G Home Finance: Later Life Lending
Molo: International Lending
Saffron for Intermediaries: Self-Build

This session will be live, and we encourage you to ask questions. 

Once you’ve watched the webinar, download your Viewing Certificate for evidence of your learning.

Virtual Roundtable: Exploring Specialist Areas

Join our upcoming webinar as we delve into the Financial Conduct Authority’s DP25/2 consultation response - a pivotal moment in the evolution of mortgage regulation. 

Following on from our previous webinar, Navigating the FCA's Mortgage Rule Review, in June, this session will unpack the latest paper’s key proposals, including reforms to affordability and stress testing, innovative approaches for later-life lending, redefining risk appetite, and enhancing customer understanding. 

Clare Beardmore will be joined by:
• Steph Charman, CEO of the Association of Mortgage Intermediaries (AMI)
• Jane Simpson, Head of Strategic Accounts - Broker at L&G Mortgage Services 
• Sebastian Murphy, Group Director at JLM Mortgage Services

Key discussion topics: 
• AI-assisted advice: Exploring the role of artificial intelligence in delivering enhanced mortgage guidance. 
• Enhanced advice proposals: Reviewing new approaches for improving the quality and effectiveness of mortgage advice. 
• The wider housing ecosystem: Considering factors beyond FCA's remit, such as the need for increased housing stock and appropriately sized homes to support first-time buyers. 
• Importance of disclosures: Highlighting the significance of transparency and clear information for consumers. 

Whether you’re a lender or adviser, this webinar offers a comprehensive overview of the regulatory landscape and its impact on the journey to homeownership. Discover how your feedback and involvement can influence the future direction of the UK mortgage market.

The Future of Mortgage Regulation – Insights from FCA DP25/2

Recent feedback received from brokers all across the market suggests that nothing is straightforward anymore, with many turning to more niche lenders for a bespoke, common sense approach far more often. With this in mind, we’ve fine-tuned our approach to complex lending, focusing heavily on how we can support clients with non-standard incomes and unique properties. During this webinar we will touch on key trends we have recognised in recent months and what we can do to help combat any hurdles these present.

Complex Income & Property

A concessionary purchase mortgage is designed for buyers purchasing a property at a discount to its market value. This discount can arise through various arrangements, such as family members wanting to help each other out, landlord selling to a long-standing, or buying inherited properties where the purchaser is acquiring other beneficiaries’ shares. Because the purchase price is below the typical market level, lenders need to carefully assess the transaction to ensure the discount is genuine and that the loan remains secure and affordable. 
 
How does this play in to the current mortgage market and how can this support you and your clients for first time buyers looking to buy their first home as well as landlords looking to re structure their portfolio or sell existing property.

Concessionary purchase mortgages explained:   a guide for brokers

Join us for an insightful webinar exploring the latest Loan-to-Income (LTI) changes introduced by lenders following the recent—and positive—regulatory developments in the UK mortgage industry. Our panel of leading experts will discuss why lenders have responded so swiftly, the advantages these changes bring, how they helped work with the government and regulator to encourage these changes, and what brokers need to know to best serve their clients in this evolving landscape. 

This session aims to deliver thought leadership for brokers, helping you anticipate market movements, understand the implications for affordability, and leverage new opportunities. 
The conversation will also spotlight Ignite, highlighting both its integral role within the affordability pillar and its ability to support mortgage brokers in finding the most suitable products for their clients. 

Host 
• Greg Cunnington - Head of Strategic Account (Lender), L&G Mortgage Services

Speakers 
• Jeremy Duncombe – Managing Director, Accord Mortgages 
• James Briffitt – Head of Intermediary Sales and New Build, Nationwide 
• Kelly Bretherton – Head of Ignite, L&G Mortgage Services 
• David Hollingworth – Associate Director Communications, L&C Mortgages

Navigating Recent LTI Changes in the UK Mortgage Market

Join us for an insightful panel discussion on Complex Income, where industry experts will share their knowledge and expertise on handling complex income scenarios. This webinar is designed specifically for UK mortgage brokers who are looking to deepen their understanding and enhance their skills in managing clients with diverse and intricate income streams.

Panel Speakers from:
• Gatehouse Bank
• Saffron for Intermediaries
• Mansfield Building Society
• Darlington Intermediaries
• Swansea Building Society

Key Topics:
• Understanding the nuances of complex income types, including self-employment, multiple income sources, and irregular earnings.
• Strategies for presenting complex income cases to lenders.
• Common challenges and solutions in securing mortgages for clients with complex income.
• Latest trends and regulatory updates affecting complex income assessments.

Mastering Complex Income: Best Practices for Mortgage Brokers

Join us for an engaging webinar where industry leaders from Metro Bank and L&G Mortgage Services (LGMS) will delve into the evolving landscape of specialist lending (which will include BTL). This session is tailored for mortgage brokers and intermediaries who are keen to understand the strategic directions, opportunities, and challenges within this dynamic market.


Key Discussion Points:
• Metro Bank’s Journey into Specialist Lending
• Market Opportunities and Data Insights
• Product Delivery and Market Outlook
• New Market Ventures - including HMOs/MUFBs
• Supporting Intermediaries
• Market Evolution and Predictions

Charles Morley from Metro Bank joins Kevin Roberts from L&G Mortgage Services, in this exclusive webinar, hosted by Greg Cunnington.

Register Now! Don't miss this opportunity to stay ahead in the specialist lending market. We look forward to your participation!

Exploring the Future of Specialist Lending

This presentation from Lottie Dougill, Head of Home Finance Distributions at Gatehouse Bank, explores the growing demand for UK buy-to-let property among international and overseas investors. It offers an overview of the key drivers behind this trend as well as insights into what makes the UK attractive to global buyers. Lottie will discuss how brokers can position themselves to best serve this audience as well as the mortgage solutions available.

UK Buy to Let for Overseas Clients

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

Vulnerability can affect anyone at any time of their lives.

Firms need to pay close attention to the needs of customers and recognise characteristics of vulnerability. They must provide fair value, avoid causing foreseeable harm and support customers; communications must be understood by customers with characteristics of vulnerability and a firm’s approach to monitoring must identify where communications are not being understood and modifications and / or remedial activity is required to be carried out.

Tina Cooper, National Account Manager from Halifax Intermediaries, presents this informative webinar, to help advisers understand their requirements and responsibilities when supporting vulnerable customers, under Consumer Duty.

Vulnerable Customers (Consumer Duty)

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

Now that we have the widely anticipated Consumer Duty Policy Statement and final rules from the FCA, it’s time to consider what this means for L&G Mortgage Club members.

With an increased focus on the end consumer and a key consideration being how firms treat their most vulnerable customers, the FCA has been very clear about what changes they expect from firms through the implementation of its new Consumer Duty.

Now with the newly published policy statement PS 22/9, supported by Finalised Guidance publication FG 22/5, it’s time to talk planning, project planning, implementation, MI and much, much more. So, join us as we debate what firms and individuals might consider as part of their project planning to deliver the fundamental shift in mindset that the FCA say they are looking for.

Lucy Lewis, Lender Account Executive at Legal & General, will chair the webinar as part of the discussion. Hosting the webinar is John Somerville, the Head of Financial Services at the London Institute of Banking & Finance (LIBF), joined by Julie Pardy, Director of Regulation, and Nic Dent, Head of Client Engagement at Worksmart Ltd.

Guiding Advisers through Consumer Duty Policy & Final Rules - Time for Action

Join our head-to-head debate from a Lender and an Adviser viewpoint on the impending Consumer Duty requirements and how this new regulation could actually be good news for the end customer, plus insight into how the firms themselves will address the new requirements.

Hosted by Clare Beardmore, Head of Broker & Propositions, Legal and General Mortgage Club
Guest Speakers: Kay Leslie, Compliance Director HL Partnership and Jon Cole, Head of Risk, Mortgage Distribution, HSBC

The Upside of Consumer Duty – looking for opportunities within the regulation

The newly proposed Consumer Duty (CD) is a topic on everyone's agenda at the moment, especially with the Policy Statement being produced on 27th July.
With an increased focus on the end consumer and a key consideration being how firms treat their most vulnerable customers, the Financial Conduct Authority (FCA) has clearly laid out its expectation in not one, but two consultation papers on this particular topic.

CP 21/13 set the scene, laying out the FCA's thinking and asking for views from regulated firms and CP 21/36 delivered feedback on the initial paper, whilst also delivering more focused thinking from the FCA on what the new CD would bring to firms and individuals alike. This will be the first of a two part series, where we initially consider the published CPs and discuss what this means from a personal perspective, with the second part of the series (to be broadcast in Q3) considering the published Policy Statement.

The FCA have clearly stated that the aim for introducing the new Consumer Duty is to drive a fundamental shift in industry mindset, but what does this really mean and what part does each individual, regardless of their role and status within an organisation, have to play in this? We will be considering the new Duty from that personal perspective and what this means for firms and their people processes.

Clare Beardmore, Head of Broker and Propositions at Legal & General Mortgage Club will chair the webinar as part of the discussion. Hosting the webinar is John Somerville, the Head of Financial Services at the London Institute of Banking & Finance (LIBF), joined by Julie Pardy, Director of Regulation, and Nic Dent, Head of Customer Engagement at Worksmart Ltd.

Breaking down the new Consumer Duty

Consumer Duty

With the 31st July Consumer Duty deadline looming, join our co-hosts Sophie Holloman & Zara Bray for an extra special coffee morning focused on this hot topic that affects all broker firms. In conversation with Stacy Penn, Senior Policy Adviser from the Association of Mortgage Intermediaries (AMI), they will be providing an overview of the Consumer Duty requirements for firms, the current timeline, frequently asked questions about the new duty and what Legal & General Mortgage Club can do help. 

Don’t miss out on this important discussion to help your firm navigate this fundamental change to your business, to ensure that clients’ best interests are at the heart of everything you do.

Countdown to Consumer Duty

consumer duty

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mortgage regulation

Customer Service

mortgage market

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Countdown to Consumer Duty

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