Name: The challenges in affordability and need for a flexible approach.
Start: 2023-10-11T10:00:00Z
End: 2023-10-11T10:00:46.000Z
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.

In this webinar we’ll look at the rise of adverse credit, the state of the nation’s finances and the benefits of advising in this area of the market. We’ll conclude with the Bluestone proposition, service, and technology capabilities to ensure both you and your customer experience best in class service.

Changing the landscape of specialist lending

Join Liza Campion, Head of National Accounts, as she delves into MFS’ latest industry research result to:
• Outline the top 10 property elements buyers currently value
• Discuss how these have shifted since 2019
• Understand what it means for UK property investors, and how specialist finance products can be used to their advantage

The Homebuyer Wishlist

Grab a fresh brew and join Harpenden Building Society in navigating the ever-changing mortgage market, including how this translates into complex client needs and broadening insight into the specialist solutions available to best suit these. In this session, Chelsea will cover a broad range of policy and products which will include Residential, BTL and Holiday Let as well as Self-Build and much more!

Navigating the ever-changing mortgage market – a helping hand from Harpenden

Specialist lending is a growing phenomenon fuelled by the intricate landscape contributing to ever more complex customer circumstances. The financial pressures experienced by homeowners and rental tenants alike have forced lenders to take a different approach to supporting those in need of borrowing for property related purposes. 

This webinar seeks to explore solutions to complex lending scenarios which will support you to place more residential, buy-to-let and second charge mortgages. We will focus on areas that brokers often find make cases more tricky to place including property type, complex income and adverse credit giving you more options when it comes to helping customers. Pour yourself a cup of coffee and tune in to find out more!

Broaden your horizons

Join us for an informative and engaging webinar where we will hear from leading mortgage lenders in the specialist lending sector. They will share their insights on the current market trends, the challenges and opportunities for brokers, and the best practices for sourcing and placing specialist cases.

You will also have the opportunity to ask questions and interact with the panellists during the live Q&A session. Whether you are new to specialist lending or looking to grow your business in this area, this webinar will provide you with valuable insights and tips to help you succeed.

We'll be joined by speakers from:
Darlington
Keystone
LendCo
Quantum
Saffron

Unlock the Potential of Specialist Lending: Tips and Tricks from the Experts

Your complex homeowner customers require specialist solutions.LendInvest Mortgage’s provide a comprehensive overview of their residential offering for those who may not be able to get a mortgage elsewhere. Gain valuable insights into their innovative approach to residential lending and discover how these products can benefit both you, and your customers. Join LendInvest Mortgages on Wednesday 11th September to find out more.

Your new home for complex customers' - LendInvest Mortgages Residential Products

Our August coffee morning will be focused upon commercial finance, and for this session, our usual host Sophie Holloman, will be joined by Mark Jones, Director of Omega Commercial Solutions.

Omega are one of L&G Mortgage Club’s specialist partners for commercial finance, development finance and commercial mortgages through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Commercial financing comes in many shapes and sizes, ranging from term loans and revolving lines of credit to business mortgages, equipment loans, cash advances and more. Sophie and Mark will primarily discuss the range of options available to business within the commercial finance realm. 

As a DA broker, if you have a client with a commercial finance need that you cannot service yourself, then by using the Referral Pro Scheme, you can assist them, by partnering with the right firm, and in doing so, earn commission for referring these types of clients.

Commercial Finance Spotlight with Omega Commercial Solutions

The UK’s evolving demographics, as well as shifts in the way we work, have changed the needs of mortgage borrowers and in response, lenders need to adapt their products to ensure homeownership is accessible to all.

One area where there is clearly an increasing need for better lending solutions is amongst foreign nationals and data shows that increasing numbers of skilled workers are coming to the UK to fill acute labour shortages in key areas such as healthcare and IT.

In this webinar we’ll look at:
• The data around foreign nationals and why we decided to enter this market
• The barriers many foreign national borrowers face
• The need for innovative lending solutions
• What’s coming next
• Are brokers missing out by not doing this?
• A look at the cases we’re receiving – countries, professions, etc
• Q & A

Helping brokers say ‘Yes’ to more foreign national borrowers

First time buyers are facing significant challenges, such as reduced availability of high loan-to-value mortgages, increased house prices, and stricter lending criteria. There are still many potential first time buyers who aspire to own their own home, but are struggling to save for a deposit or meet the affordability requirements. Therefore, there is a need for more support and innovation from lenders and brokers to help first time buyers overcome these barriers and access the mortgage market.

Join us for an informative and engaging panel webinar where we will explore the current state of the first time buyer market in the UK, the challenges and opportunities for mortgage brokers, and the solutions that some of the leading lenders can offer. Our panel of experts will share their insights and best practices on how to help first time buyers achieve their homeownership goals, and answer your questions live. Whether you are new to the first time buyer segment or looking to grow your business, this webinar will provide you with valuable information and guidance. Register now and don't miss this opportunity to learn more.

First Time Buyers: Market Insights and Solutions

The Mortgage Club are back on the road again this autumn for our popular regional roadshows.  Why should advisers attend? 

- Our agenda will provide a market & economic overview, lender roundtables, first time buyer panel discussions, protection opportunities and much more 
- Plenty of opportunities to network with the vast array of lenders who will be in attendance 
- Meet face-to-face with the Mortgage Club lender & broker teams to discuss any issues or opportunities 
- Earn 4 hours of CPD for attending 
- Free to attend and lunch provided, plus refreshments throughout 

Our events are open to all – you don’t have to be an existing Club member to attend. In fact, we’d love to meet with new advisers who want to know more about the Club and what’s going on in the wider market.  

For more info and to register: https://www.legalandgeneral.com/adviser/mortgage-club/events/?cid=socVideoPreview

A sneak peek at the L&G Mortgage Club regional roadshows

How can we further understand the big issues for FTBs? And once we do, how do we start to resolve them? Where are there gaps in the market, and are lenders acting fast enough to fill them? We discuss these issues and welcome broker’s questions.

Join Derek Adams, Senior National Accounts Lead at Skipton, for an insightful discussion on: 
• Affordability Index / cost of living
• Change of government
• Saving for deposit
• Thinking outside of the box – criteria and points of difference to other lenders
• Skipton's new FTB range – lowering the ladder to make home ownership more accessible
• Q&A

First time buyers - Lowering the ladder to home ownership

Specialist lenders can be much more flexible than high street lenders. They can offer mortgage solutions suited to a wider range of clients financial needs. This flexibility is likely to suit those who may struggle on the high street such as first time buyers, self employed or those with less-than-perfect credit histories and unlikely to get far with the big name banks.
 
Mortgage affordability tests are getting harder to pass, while lending criteria is becoming increasingly tight. However, while barriers are thrown up for all but the most vanilla of cases, specialised lending takes a manual human approach to understanding the client’s needs. 
 
Join the Aldermore webinar to look at two cohorts of clients who are underserved, unloved and misunderstood in the market today.
 
• First time buyers have faced many challenges over the last few years, with the cost of living increases and rising house prices. To make sure they are in the best possible position to get on to the property ladder for the first time, the support and knowledge of a broker has never been more vital. 
• Self Employed can feel like there's a lot of hoops to jump through to find a mortgage because of your accounts and complex income,  from builders to plumbers, techies to contractors, whether you're a limited company or sole trader, we'll look at the big picture.

Specialist – a growing market?

Our July coffee morning will be focused upon high valuations and restricted lenders, and for this session, our usual host Sophie Holloman, will be joined by Gareth Lowman, Director of SPF Private Clients.

SPF Private Clients are one of L&G Mortgage Club’s specialist partners for high value mortgages and restricted mainstream lending through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals. 

Sophie and Gareth will discuss the complexities involved with million pound plus properties which often require the services of lenders that many DA firms don’t have access to. However, by using the Referral Pro Scheme, DA firms can assist clients whose needs involve high valuations, by partnering with the right firm, and in doing so, how you as a mortgage adviser, can earn commission for referring these types of clients.

High Valuations & Restricted Lenders Spotlight - Earn Commission for Referrals

Join Charlie Stack and Vicky Mazzucci when they put a spotlight on self-employed. The webinar will look at the current economic landscape before looking at the current self-employed market including the opportunities within this space. They will finish with Vicky taking you through how to read and understand self-employed accounts from an underwriters perspective, and what they look for when accessing accounts as part of a mortgage application.

Real Life Lending – a spotlight on Self Employed

The webinar covers the complexities of mid and later life lending, consumer duty, matching consumer needs to lending solutions and increasing innovation & complexity combined with the need for strategy.

Later Life, Product Innovation & Advice Standards

Self-employed lending is a complex segment of the UK mortgage market. Mortgage brokers need to understand the challenges and opportunities of serving this diverse and dynamic customer base.

In this webinar, you will hear from a panel of experts from leading lenders who specialise in self-employed lending. They will share their insights, best practices, and case studies on how to help self-employed clients achieve their home ownership goals.

Why should you attend?
By attending this webinar, you will:
• Learn about the latest trends and developments in self-employed lending in the UK
• Discover how to assess the affordability and suitability of self-employed clients
• Find out how to access a range of products and solutions tailored to self-employed borrowers
• Have the opportunity to ask questions and interact with the speakers

We'll be joined by:
• James Green, Hinckley & Rugby for Intermediaries
• Hayley Evans, OSB (KRFI & Precise)
• Julie Waterman, Santander
• Pamela Young, Virgin

Don't miss this chance to enhance your knowledge and skills in self-employed lending. Register now and join us on Tuesday 16th July at 11am.

Self-employed lending in the UK - challenges and opportunities

With sensible advice, a mortgage in retirement can enhance, not hinder, the golden years. It’s about what suits your client’s needs. Paying off a mortgage by retirement has been the norm and may be the best solution for a lot of clients.  But what if a mortgage could provide the freedom other clients need in retirement? 

Retirement should be a time for relaxing and living, away from the pressures of work. Financial worries, especially around your home, can ruin any planned relaxation. And that’s why, at Perenna, we believe in providing options.  

Join Deb Reeves, National Account Manager at Perenna for this insightful webinar on how Perenna are offering much needed solutions for those homeowners looking to borrow into retirement.

Defend their right to live their life: An exploration into lending in later life

We’re not your typical lender.  Where others shy away from complex cases, we embrace what’s different about the needs of your clients and adapt.  This is how we can support you with your self-employed customers that need a more adaptive underwriting approach to their incomes, as we want to get to know the business and not just the income performance. 

The opportunity in this market is massive where customers regularly feel that they will not have options due to being self employed so in this webinar we will be showing you the opportunity in this market, how self employed customers feel when it comes to getting a mortgage and how our approach at Saffron For Intermediaries can support these customers with great outcomes. 

Join Lee Williams, Business Development Manager at Saffron For Intermediaries, for this insightful webinar on Self-Employed Complex Lending.

Embracing Different

The webinar will focus on the challenges brokers and their clients are currently facing with affordability due to rising 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.

Mortgages

Mortgage Advisers

Advisers

Affordabilty

Later Life

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The challenges in affordability and need for a flexible approach.

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