Name: Exploring Opportunities: First-Time Buyer Mortgages
Start: 2025-03-25T11:00:00Z
End: 2025-03-25T11:00:50.000Z
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

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

When you can't place a case, you can refer it!

In this virtual roundtable, we'll be joined by some of our Referral Pro partners, showcasing where they can support you and your clients by referring cases.

Join this session to get tips on when and how to refer, hear from some of our Referral Partners and ask questions to our expert panel.

We'll be joined by speakers from:
●  GoTo Group 
●  Fluent Money 
●  SortRefer
● Key Partnerships

From Leads to Loans: Referral Pro

Join us for an engaging panel webinar where leading UK mortgage lenders unveil how innovative technology is reshaping the mortgage landscape. Tailored for UK mortgage brokers, this session offers insights into cutting-edge tools and systems that streamline processes, enhance client experiences, and drive success. Don’t miss this opportunity to learn from industry experts and elevate your business through technology.

We'll be joined by speakers from:
• LendInvest
• Hinckley & Rugby Building Society
• Paragon

From Paper Trails to Digital Tales: Mortgage Tech Innovation

Navigating the world of Buy-to-Let mortgages can be complex, and it can be tough to keep up with the rules and regulations, to best support your clients. This webinar aims to provide brokers with a comprehensive understanding of these specialised mortgage options, equipping you with the knowledge to better serve your clients.

• Understanding Buy-to-Let Mortgages: Learn the fundamentals and the latest trends in Buy-to-Let lending.
• Market Insights: Gain valuable insights into the current UK market conditions and forecasts from leading mortgage lenders.
• Q&A Session: Participate in an interactive session where you can pose your questions to the panel of experts.

We’ll be joined by speakers from:
• Molo
• Darlington Intermediaries
• Keystone Property Finance

Looking to expand your expertise in Buy-to-Let mortgages and provide your clients with informed advice on Holiday Lets and Limited Company Buy-to-Lets? Then join our panel webinar to hear from expert lenders in this area for valuable insights and practical information.

Don't miss this opportunity to enhance your understanding and stay ahead in the evolving mortgage landscape. Register now.

Unlocking Opportunities in Buy-to-Let Mortgages

Join us for an informative panel discussion featuring esteemed speakers from leading UK lenders specialising in New Build mortgages. This webinar is designed for mortgage brokers seeking to deepen their understanding of the latest trends, opportunities, and challenges in the New Build mortgage sector.

Explore the nuances of New Build financing, gain valuable insights from industry experts, and learn how to better serve your clients in this growing market. Don't miss this opportunity to enhance your expertise and stay ahead in the competitive world of mortgage brokering.

We'll be joined by speakers from:
• Virgin Money
• Furness Building Society
• Principality Building Society
• Gen H
• HSBC

Secure your spot today and unlock the potential of New Build mortgages!

Brick by Brick: Navigating the New Build Mortgage Landscape

Join us for an exclusive panel webinar designed specifically for UK mortgage brokers, where leading lenders in the field of adverse credit will share their expertise and insights. This webinar aims to equip mortgage advisers with the knowledge and strategies needed to better support clients facing credit challenges.

Our panel of experts will discuss the latest trends, common pitfalls, and effective solutions in the adverse credit market. You'll learn how to navigate complex cases, offer tailored advice, and ultimately help your clients secure the best possible mortgage deals despite their credit issues.

We’ll be joined by speakers from:
• Bluestone Mortgages
• Mansfield Building Society
• Pepper Money
• Together
• Atom

Don't miss this opportunity to enhance your advisory skills and stay ahead in a competitive market. Register now and empower yourself with the tools to make a real difference for your clients.

Mastering Adverse Credit: Strategies and Insights from Leading Lenders

Join us for an insightful webinar tailored specifically for mortgage brokers, where industry experts from our panel of lenders will delve into the complexities and opportunities in providing mortgage support for High Net Worth Individuals. This engaging panel discussion will cover a range of topics including bespoke mortgage solutions, underwriting challenges, and emerging trends in the high net worth mortgage market. Gain exclusive insights, network with key players in the field, and elevate your expertise to better serve your affluent clients. Don’t miss this opportunity to deepen your understanding and stay ahead in the competitive mortgage space.

We'll be joined by speakers from:
• Bank of Ireland for Intermediaries
• Harpenden Building Society
• Saffron for Intermediaries
• April Mortgages
• TSB

Mortgage Solutions for High Net Worth Individuals

2025 Sparks webinar series

Join us for an exclusive panel webinar designed specifically for UK mortgage brokers, where industry experts from top UK lenders will delve into the unique challenges and opportunities in the first-time buyer mortgage market. Gain valuable insights, strategies, and best practices to better support your clients as they navigate the path to homeownership. Don't miss this opportunity to enhance your expertise and stay ahead in a competitive market.

We’ll be joined by speakers from;
• Skipton Building Society
• Darlington for Intermediaries
• Buckinghamshire Building Society
• Accord

Exploring Opportunities: First-Time Buyer Mortgages

mortgages

mortgage brokers

mortgage advisers

first time buyers

first mortgages

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UK Financial Advisers

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Audit and Compliance

Get powerful banking and treasury insights for your business. Connect with experts and colleagues to get the most up-to-date knowledge on hot topics such as digital banking, payments disruption and non-bank competition. Learn how the latest treasury management strategies are helping to mitigate operational, financial and reputational risk.

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Exploring Opportunities: First-Time Buyer Mortgages

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