Name: An in-depth look at adverse credit and its impact
Start: 2019-12-02T14:00:00Z
End: 2019-12-02T14:00:16.000Z
Location: BrightTALK
Rating: 2

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Our May coffee morning is focused upon the private rental market, and for this session, our usual host Sophie Holloman, will be joined by Liza Campion, Head of National Accounts from Market Financial Solutions. 
In this session, Sophie & Liza will unpack the recent trends in the private rental market, and discuss Market Financial Solutions' latest research results, to reveal what portfolio landlords are planning over the next 12 months.
Liza will also address the challenges of upcoming legislation and regulation in the BTL market, the diversification of portfolios, EPC regulation changes, and more, before summarising what this could mean for the future of the private rental market.

Private rentals are they a permanent fixture or a passing trend?

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
• Harpenden Intermediaries
• Keystone Property Finance
• Market Financial Solutions

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

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

Brick by Brick: Navigating the New Build Mortgage Landscape

Our April coffee morning is focused upon boiler & home insurance, and for this session, our usual host Sophie Holloman, will be joined by Mark McAuley, Head of Commercial Operations & Partnerships at Hometree.

Hometree are a fast-growing home energy services company on a mission to accelerate the decarbonisation of homes. Their award-winning boiler and home emergency cover plans keep over one hundred thousand UK homes warm and working. They are now helping more people upgrade their homes with more energy-efficient hardware like heat pumps and solar panels. 

Home Tree are L&G Mortgage Club’s specialist partner for household and emergency boiler cover 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.

This session will focus on what Hometree offer to clients and how DA brokers can refer cases to them and earn additional income in the process.

Boiler & Home Insurance Spotlight with Hometree

If you are looking for a lender with a bespoke approach to specialist lending, we are the lender to speak to. We do not credit score and all cases are manually underwritten. Most of our cases are ones that do not fit the High St. for various reasons and require a more lateral perspective. This is where we can use assets such as pension pots, investments etc. towards affordability. If it is the property that is causing concerns then we also specialise in unique or the unusual. Properties that have 2 kitchens. Above or alongside commercial. 3 properties on 1 title.

A focus on asset slicing and unusual properties

Join Deb Bree, Business Development Manager at Leek Building Society to hear about Leek’s focus on New Builds and Ltd Company BTL’s.

Deb will be discussing:
• The transition over to Leek Mortgage Connect
• Their common-sense approach to lending
• Criteria around all New Build Lending, which will include Shared Ownership, 95% Lending & Own New
• Criteria around their Limited Company BTL

An introduction to Leek Building Society

Learn how LendInvest can help Cut the Complex.  We will talk about those cases that don't fit the traditional high street lending criteria, and cover why LendInvest is the one stop shop for property finance for your clients.  Whether it be Bridging, Buy to Let, or Residential, we understand it all.
Our extensive product suite is underpinned by our custom built technology, designed using broker feedback to ensure that when our products fit, the experience from submission matches.

We work hard to take the complexity out of lending situations.  Simple, for everyone.

Cut the Complex

The government has committed to delivering 1.5 million new homes over the next five years, which is excellent news for the housing sector and the new-build mortgage market.

This initiative presents a prime opportunity for brokers to position themselves as experts in the new-build sector. There is a wealth of information to share with clients, from government-backed affordable homeownership schemes like Shared Ownership to innovative products such as the Own New Rate Reducer mortgage. These options can significantly aid aspiring homeowners in securing newly built properties.

Join us for an insightful webinar presented by Michelle Ward, National Account Manager at Virgin Money. This session is designed specifically for UK Mortgage Advisers looking to expand their knowledge on the burgeoning New Build market.

During this webinar, we will explore:
• Broadening your adviser’s client base into the New Build sector
• Current market trends and future predictions
• An overview of the different types of New Build Mortgages

Virgin Money is here to support you in sharing this valuable knowledge with your clients. With our expertise in the new-build market, innovative product range, and longstanding relationships with developers, we can help you prepare your business for the anticipated rise in new-build mortgage lending.

Opportunity Knocks – Why now’s a good time to break into New Build

Our March coffee morning is focused on Home Insurance, Landlord’s Insurance, Rent Protection, Tenant’s Contents Insurance and Tenant’s Liability Insurance, and for this session, our usual host Sophie Holloman, will be joined by Craig Kerrigan, National Account Manager at Paymentshield. 

Paymentshield have focused solely on distributing insurance through partners for nearly 30 years, giving them an exceptional understanding of how to deliver solutions that enable brokers to successfully embed general insurance into their business and build a profitable income stream.

Paymentshield offer a range of insurance products including Home Insurance, Landlord’s Insurance, Rent Protection, Tenant’s Contents Insurance and Tenant’s Liability Insurance. The heart of their proposition is their unique technology which is designed to enhance and support a conversation about insurance with all clients. 

Paymentshield are one of L&G Mortgage Club’s specialist partners for General Insurance 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.

This session will focus on what Paymentshield can offer to clients and how DA brokers can refer cases to them and earn additional income in the process.

General Insurance Spotlight with Paymentshield

Join Andy Rowe, Head of Sales at the award-winning BTL lender, Zephyr Homeloans, for an update on the BTL market and key opportunities to help professional landlords leverage their property investment. And, of course, you’ll also get an update on Zephyr’s lending criteria and service. If you advise on BTL cases, it’s a webinar that’s not to be missed!

Opening Doors to BTL Opportunities

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

Ready to learn more about the UK’s newest, exciting buy to let lender?

Join Business Development Manager, Shannon O’Malley, on Wednesday 19 March at 2pm as she gives you the low down on all things ModaMortgages.
 
Shannon will help you understand the full ModaMortgages proposition and explain how ModaMortgages is making buy to let smarter, faster and simpler, expanding on each of their core values.

Smarter
• Understand how ModaMortgages’ smarter, simpler product range supports all landlords and property types with £ for £ remortgages assessed at pay rate helping affordability, even on short-term fixed rates.

Faster 
• Find out about their 100% online application which is stripped back to essentials offering speed of service as well as our quick, consistent instant DIPs and desktop valuations for remortgages on standard properties that meet eligibility.

Simpler 
• Plus, discover how all this and more is underpinned by clear criteria with simple processes for portfolio landlords, no extra forms just a few additional questions to fully understand your application.

And not to be done there Shannon will explain more on ModaMortgages’ initial launch offer where they’re waiving valuation and application fees.

So, sign up today and join ModaMortgages on the journey to make buy to let smarter, faster and simpler.

An introduction to ModaMortgages

With Net Migration expected to surge in the coming years, join us for a look at the ways in which Foreign Nationals are entering the UK for work, but also how they can be supported should they wish to put down roots within the UK. In addition we will take a brief look at those Brits who are leaving the UK in search of employment opportunities and how they can still be supported with their property ownership requirements back here in the UK.

A focus on Foreign Nationals & Expats

With home affordability at crisis levels, our latest Home Affordability Index reveals that almost 90% of potential first-time buyers across Great Britain cannot afford to buy a first-time home in their local area based on their personal financial situation —an unacceptable reality that demands change. In this webinar, we’ll explore how Skipton is driving industry-wide innovation to help more people achieve homeownership. From our Track Record Mortgage to new affordability solutions, we’ll discuss the steps we’re taking to break down barriers, influence policy, and lead the market in supporting first-time buyers. Join us as we outline our commitment to reshaping the future of homeownership and ensuring that more people can turn their homeownership dreams into reality.

From Struggle to Solution: Rethinking affordability for first-time buyers

For our 2nd coffee morning of 2025, our host Sophie Holloman will be joined by Marc Randal, Founder & CEO of Property Circle. Property Circle’s mission is to revolutionise the industry by empowering brokers to help their clients make better and more informed Property and Mortgage decisions.

In this session, Sophie & Marc will discuss Property Circle’s growth platform that equips Mortgage Brokers with comprehensive software solutions that offer real-time client insights and optimised mortgage opportunities. By streamlining processes and prioritising potential leads, brokers can enhance client service and foster lasting relationships.

Level up your technology foundation with Property Circle

Join Together as they take a look at the challenges self-employed borrowers face, some common scenarios where advisers can support, and the wide range of solutions available to them. They’ll also share insights from their latest research on self-employed hotspots in the UK.

Unlocking opportunities in self-employed lending

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

If you are looking for a lender lending in England and Wales with a bespoke approach to specialist lending, we are the lender to speak to. With no credit scoring and all cases manually underwritten, we are able to look at cases which are more complicated, quirky and niche and which require a human to look at them with no ‘computer says no’ mentality. Our front line mortgage managers have years of experience of dealing with more complex cases and will be able to structure a case for you and your clients. You’ll wish you had come to us before once you have used us!

USPs: (All applicable to properties in England and Wales unless stated)
1. Self-employed - We specialise in lending to the self-employed with over 55% of our book in this category.
2. Lending to Medical Professionals - where we can offer enhanced income multiples.
3. Lending to professionals/key workers - reduced rates for professionals/key workers.
4. Properties with or without land - We offer mortgages on small holdings (up to 100 acres) with or without agricultural restrictions/s.106 in place. (Must not be a working farm.)
5. Properties with annexes etc.
6. Green mortgages - preferential rates for residential properties with an EPC rating of A or B.
7. Semi-commercial - mortgages on flats above shops even if the shop / flat is on one title.
8. Buy to Let / Holiday let mortgages - will also accept Airbnb income.
9. Short term bridging - using our regulated bridging mortgage product.
10. Capital raising - we are happy to capital raise for any legal purpose.
11. Interest only - with a credible repayment strategy, we are happy to look at cases on interest only terms.
12. Lending in Retirement - up to age 85 for those who are retired/semi-retired and can look at interest only.
13. Lending into retirement - we can go up to age 75.
14. Self-build/renovation products available in England & Wales

Why should you talk to the Swansea Building Society about a mortgage case?

Join Phil Quinn, National Account Manager at Pepper Money, as he takes you through an in-depth look at adverse credit and its impact.

An in-depth look at adverse credit and its impact

Pepper Money

Adverse Credit

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An in-depth look at adverse credit and its impact

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