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

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2023 was a turbulent year for the UK mortgage market. It witnessed the highest interest rates seen in 15 years, with a stream of consecutive Bank of England base rate rises resulting in the purchase market slowing. How did the mortgage industry cope with these challenges? Well, the introduction of the new Consumer Duty regulations and a rise in innovative products filling market gaps, has helped lead to a consumer focussed market and a positive end to the year. So, what can we expect for the future of the mortgage market in 2024 and beyond?

Join us for an insightful webinar, where we will take a look back at the UK mortgage market in 2023 and share our analysis, insights and predictions. You will hear from some of our key lender partners, who discuss topics such as:
• The state of the housing and mortgage market in 2023
• The growth of fintech and green lending in the mortgage industry
• The new regulations and policies that shaped the mortgage market in 2023
• The best practices and lessons learned from the mortgage industry in 2023

Samm will be joined by speakers from Bank of Ireland, LendInvest, Market Harborough BS, Skipton and The Mortgage Lender. Register now and secure your place for this informative and engaging webinar.

A look back at 2023 - how the mortgage industry has adapted to a turbulent year

An overview of the buy-to-let market, looking at how the continuing cost of borrowing is impacting the sector. As well as examining the challenges facing the market, we’ll also look at the opportunities available, and how Paragon can support you and your landlord clients both now, and in the future.

BTL – A Challenging Market and the Opportunities available

Find out more about our innovative solution for good quality complex cases

Maximising your clients' affordability

Join Alex McCallum, Sales Executive at Smartr365 and Joe Wilson, Key Relationship Manager at Legal & General Mortgage Services as they explore the new integration between Smartr365 and Legal & General Ignite, the free mortgage research and sourcing platform.

Joe will walk attendees through the Ignite journey while both presenters look into how the new integration will help you get accurate answers quickly and advise effectively.

The end-to-end Mortgage Sourcing Journey: Smartr365 and Ignite Integration

The mortgage market this year has been tumultuous in 2023 to say the least. As customers are adapting to higher rates and downward pressures on affordability, the need for pragmatic and common sense led lending decisions are more important than ever to continue to help more customers finance their home ownership aspirations. 

In this session, Nathan will explore the changing customer behaviours that Foundation Home Loans are seeing in the specialist lending space. Topics to include:

- affordability stretches and how customers are overcoming
- complex and multiple income streams 
- the rise in credit blips and arrears
- the buy-to-let market trends and how landlords are viewing their portfolios 
- how landlords are diversifying and still capitalizing on opportunities for profit.

Where is the Specialist Market heading?

Our Telephone Business Development Manager, Chelsea Pordage, will explore the many ways in which the Harpenden Building Society can apply a bespoke approach to complex lending needs, particularly when it comes to property and income streams.

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

Complex income & property: A Harpenden handmade approach

Ralph Punter, BDM at Teachers for Intermediaries, will talk through some of the challenges of the current property market and explore solutions for overcoming complex mortgage needs based on real examples from TFI.

This is a live webinar, so come prepared with your questions for Teachers for Intermediaries!

Overcoming complexities in a challenging property market

With the current challenges in the property sector Paul Huxter looks to explore the how and why specialist lenders like West One are becoming more important to borrowers in today’s Buy-to-Let market. Lenders cannot solely rely on rates to support borrowers, as we see more complex cases from borrowers, specialist lenders are primed to use their criteria and USPs to differentiate and support borrowers. Understanding where the West One criteria and USPs fit in today’s market is key to finding solutions are the Buy-to-Let market evolves.

The Future of Buy-to-Let, what is on the horizon?

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 steps 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?

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

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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