Name: Virgin Money & Clydesdale Bank – helping with affordability
Start: 2023-06-21T10:00:00Z
End: 2023-06-21T10:00:18.000Z
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

Explore the challenges facing today’s first-time buyers, from rising house prices and income gaps to the growing role of family support. Learn how innovative mortgage solutions, including high LTV lending and flexible deposit options, can help make homeownership more accessible.

Overcoming today’s first-time buyer challenges

Join us for our final Sparks webinar of 2025! This one focusses on Specialist Lending, with a panel of lenders who excel in this area, sharing insights, practical strategies, and real-world case studies to help you unlock new opportunities for your clients.

Join us for this 45-minute live session to hear about:
Current trends shaping the specialist lending market
Key challenges and solutions for complex cases
Tips from top lenders on structuring deals for success

Whether you’re looking to expand your offering, navigate tricky scenarios, or simply sharpen your competitive edge, this webinar is packed with actionable advice tailored for brokers.
We'll be joined by:
Emma Saint from Furness Building Society
Steve Hewitt from Aldermore
Chelsea Pordage from Harpenden Building Society
 Chris Proudfoot from Gatehouse Bank

From Complex to Closed: Specialist Lending made simple

A L&G Ignite Webinar

The Buy-to-Let (BTL) market is facing unprecedented challenges. With rising interest rates, evolving regulatory demands, and shifting lender criteria, brokers are under more pressure than ever to deliver for their landlord clients. Join us for an exclusive webinar, chaired by Jane Simpson (Head of Strategic Accounts - Broker, L&G Mortgage Services), where a panel—including Kelly Bretherton (Head of Ignite), Louise Apollonio (Sales & Distribution Director, The Mortgage Lender), and Sophie Waugh (Mortgage Technical Manager/Associate Mortgage Adviser at John Charcol) will tackle the most pressing questions in BTL affordability.
This session will explore:
• The biggest hurdles brokers face in today’s affordability assessments.
• How lenders are adapting their criteria in response to market and regulatory pressures.
• The impact of stress testing, rental coverage ratios, and the rise of flexible underwriting approaches.
• Whether portfolio landlords are being disproportionately affected—and what brokers can do about it.
• The evolving role of technology and sourcing systems in navigating complex affordability rules.
• Predictions for the next 12 months: what’s changing, and how brokers can prepare.
• Actionable advice from industry leaders to help brokers thrive in a challenging landscape.
• Plus, discover how L&G Ignite’s Affordability Tool is empowering brokers to overcome BTL affordability challenges. 
Whether you’re a seasoned broker or new to the BTL sector, this webinar will equip you with the latest insights, practical tools, and forward-looking strategies to support your clients and grow your business. Register for free today.

Unlocking Buy-to-Let Affordability: Insights, Strategies, and the Road Ahead

Clare Beardmore, Director - L&G Mortgage Club and Adrian Moloney, Group Intermediary Director at OSB Group sit down to explore the future of mortgages in the specialist space.  

Join our upcoming webinar with OSB Group, to learn how their brand strategy, built on industry-leading service and trusted partnerships, leverages the strengths of diverse brands - Precise, Interbay, and the newest addition, Rely. Gain insights into how the launch of Rely is opening doors for intermediaries and landlords seeking tailored lending solutions. 

We’ll explore the evolving new build market and how Precise continues to support this sector with enhanced offerings, such as increased LTV options and more flexible income assessments. Hear about our close work with regulators and the value of partnerships that enable us to support a broader range of clients. 

The webinar will also spotlight the role of AI and innovative technology in boosting adviser efficiency and maintaining a personal touch. You’ll see how user-friendly platforms and the latest Ignite features offer real-time information, empowering advisers to make smarter sourcing decisions. 

With the UK commercial mortgage market booming in 2025, our experts will discuss how advisers can diversify into commercial and bridging loans, expanding beyond traditional residential lending.  

This dynamic webinar is perfect for advisers eager to upskill, grow their client base, or stay ahead in a changing market. Don’t miss your chance to access the latest strategies, tools, and opportunities shaping the future of specialist lending.

When Clare met Ade - the future of mortgages in the specialist space

For three decades, L&G Mortgage Club has helped shape the UK mortgage and advice landscape. In this special anniversary video, past and present Mortgage Club Directors come together to reflect on the milestones, challenges, and defining moments that built the Club into what it is today. Hear first-hand stories from those who led the transformation of our proposition, strengthened lender relationships, supported advisers through industry change, and helped the Mortgage Club become one of the most trusted partners in the market. Whether you joined us at our 30th anniversary conference or are exploring our history for the first time, this short film offers a unique perspective on our journey — and what the future may hold for advisers, lenders and homebuyers.

What you’ll see in this video:
• Reflections from past and present Mortgage Club Directors
• Key moments that shaped the Club over 30 years
• How the Mortgage Club has supported advisers and the industry
• Personal stories, milestones and lessons learned

A perfect companion to our anniversary whitepaper Home 2055, this video brings our heritage — and our future ambitions — to life.

30 Years of L&G Mortgage Club: Reflections from our Directors, past and present

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

Matt Martin and Kim Dickinson are going to provide you with a market update and look at some of the key areas that Virgin Money & Clydesdale Bank can help with affordability. Matt will spend some time touching on the market and looking at the positive side of the world we currently operate and then Kim will take you through how at the brands can take a different view on income and help with affordability. From their BDM team having direct access to underwriters meaning they can ‘say yes to more’ through to their treatment of self-employed income there are a number of great reasons to use both Virgin Money and Clydesdale.

Virgin Money & Clydesdale Bank – helping with affordability

Mortgage Broker

Mortgage Adviser

Affordability

Cost of Living

Mortgages

Mortgage Market

Complex Income

Underwriting

Self-Employed

Interest Rates

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Audit and Compliance

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Fintech

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Virgin Money & Clydesdale Bank – helping with affordability

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