Name: An Economist View of the 2024 Mortgage Landscape
Start: 2024-01-26T11:00:00Z
End: 2024-01-26T11:00:47.000Z
Location: BrightTALK
Rating: 4.8

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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

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

In an era of market uncertainty, landlords often turn to HMOs & MUFB as a viable option to maximise their rental yields. In the upcoming third webinar, Roger Morris, will delve into the intricate world of HMOs & MUFB. This informative session will explore the rules and regulations that can impact HMO applications and provide insights into the varying regulations across different parts of the UK. Additionally, we will shed light on selective licensing, additional licensing, and the associated regulatory intricacies.

Topics Include:
1.     2004 Housing Act and the definition of a HMO
2. An introduction to Article 4 and Permitted Development Rights
3. How a property is converted into a HMO
4. Planning applications 
5. What is mandatory licensing?
6. What are some of the rules and regulations that could affect an HMO application now and in the future?
7. Selective licensing & additional licensing rules.
8. What are the rules in Northern Ireland, Wales and Scotland?

A comprehensive guide to Houses in Multiple Occupation (HMOs) and Multi Unit Freehold Blocks

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

Mortgage Solutions for High Net Worth Individuals

With an increasing number of landlords contemplating incorporation, especially in light of the rising costs of funds, it's crucial that they are well-informed about the implications of operating their business as a limited company SPV or in personal ownership. In this second instalment of our 3-part webinar series, Roger Morris will delve into the intricacies of ownership structures. He will emphasise the importance of landlords seeking independent legal and tax advice. The session will cover topics such as incorporation tax relief, beneficial interest, and why tenants in common is just one of the many solutions landlords should consider.*

Topics include:
1. An introduction to complex buy-to-let ownership structures
2. Understanding the implications of the recent cost increase in borrowing
3. Overview of different tax structures for BTL.
4. What are debentures and floating charges?
5. Stamp Duty surcharge and final rules
6. Rental yields
7. Joint tenants vs tenants in common
8. Form 17
9. Inter-company loans
10. Different structures to hold shares in companies
11. An overview of incorporation tax relief (section 162)
12. Ramsay Ruling 27 March 2013

The different structures of ownership for BTL

In this inaugural webinar of our three-part series, Roger Morris will guide you through an overview of the BTL landscape and the seismic shifts that have transformed the buy-to-let landscape. We'll delve into the recent rule changes and look at the ones to come and the substantial increase in funding costs, dissecting their impact on the market and, most importantly, what every landlord and broker needs to know.
Join us as we equip you with the technical skills necessary to navigate these changes and make informed decisions. As the first step in our journey, we'll lay the foundation for a comprehensive understanding of the evolving buy-to-let sector.
 
Topics include:
1. Legislative Timeline: Understand how legislative changes within the market have impacted landlords over the years.
2. Buy-to-Let Overview: Explore the current buy-to-let landscape and recent legislative changes.
3. First Time Buyers vs. First Time Landlords: Considerations for both groups.
4. Introduction to Section 21: A crucial aspect for landlords.
5. Special Purpose Vehicles (SPVs) and Tenants in Common: Key concepts.
6. Tenant Types: Differentiate between tenant profiles.
7. Affordability Stress: Understand background affordability stress.
8. Why Invest in Buy-to-Let: Motivations for landlords.
9. Changes for Landlords: What has shifted recently.
10. Adapting to Change: Strategies for landlords.

An overview of the Buy-to-Let landscape

Samm Piper (L&G) and James Enos (Hodge Bank) discuss Hodge's strategic focus in 2024 and their new propositions (Hodge Resi & Hodge Resi Retire) designed to support the borrower of today with their affordability and complex income needs. They'll also be discussing growth across the older borrower market and why lending in later life is becoming the "norm", along with what can be expected in 2025 and the opportunities for brokers.

Hodge Bank 2024 reflections and expected developments in 2025

The last nine months have been characterised by change: a new government, the cost-of-living crisis, higher interest rates. TML created an extensive research project which aimed to get inside the minds of potential customers. Join Louise as she shares the data and insights of their latest research.

Real Life Borrowers

Please join Director of Sales, Grant Hendry for a dive in to 2024s Pegasus landlord data trends and how Foundation have used the market trends to improve their proposition to help you and your clients.

A look back at 2024 from Foundation

In this webinar we’ll be looking at the rise in adverse credit, the state of the nation’s finances, along with the top financial concerns for this year. We’ll then move along to why adverse in this area of the market, and conclude with how Bluestone Mortgages can support.

Changing the landscape of specialist lending

This webinar looks at the challenges – and many opportunities – for today’s first time buyer. While would-be homebuyers face barriers in getting on the ladder, a range of schemes and tailored support is available across the market to support them in achieving their home ownership dreams.

First Time Buyers and Affordable Housing: What’s Coming Down the Track?

Join us for an insightful and timely virtual panel discussion on the burgeoning field of green mortgages. This webinar will provide UK mortgage advisers with the latest insights and trends from leading lenders who specialise in sustainable home financing.

Our expert panel will delve into the benefits of green mortgages for both clients and the environment, explore the current landscape and future opportunities, and discuss the practicalities of integrating these eco-friendly options into your advisory services.

Don't miss this opportunity to enhance your knowledge, connect with industry leaders, and stay ahead in the evolving mortgage market.

We'll be joined by speakers from:
• Halifax
• Hinckley & Rugby
• Perenna
• Skipton
• Virgin

Register now to secure your spot in this not-to-be-missed event!

Unlocking the Future: A Deep Dive into Green Mortgages

Boosting Income and Building Stronger Client Relationships

Join us for an insightful roundtable webinar designed exclusively for mortgage brokers. Our mission is to empower you with the knowledge and tools needed to support your clients at every step of the mortgage journey, ultimately boosting your income and enhancing your professional relationships.

We’ll be joined by:
• Emma Hall from Movin Legal
• Craig Kerrigan from Paymentshield
• Michelle Fell from Lifesearch
• David Coleman from Positive Lending

In this comprehensive session, industry experts from Conveyancing, General Insurance, Life Insurance, and Specialist Lending will share their expertise on how you can refer clients to trusted professionals in areas outside your expertise. This collaboration not only ensures your clients receive top-notch service but also provides you with additional streams of income.

Key Takeaways:
• Understanding the comprehensive mortgage journey and identifying key referral opportunities
• Insights into conveyancing: How to seamlessly integrate legal support into your process
• Maximizing benefits from general insurance products for your clients
• Incorporating life insurance as a value-added service
• Leveraging specialist lending solutions for unique client needs

Don't miss this opportunity to enhance your knowledge, expand your service offerings, and grow your income. Register today and take the first step towards becoming a more versatile and successful mortgage broker.

Enhancing Success Throughout the Mortgage Journey

Getting comfortable with Complex – Unlocking a wealth of opportunity with manual underwriting: In this session from Harpenden Building Society, Business Development Manager Chelsea Pordage will aim to broaden horizons as she explores the current market trends making many mortgage cases trickier to place and how tailored, common-sense solutions can be shaped with manual lenders in order to help combat this.

Getting comfortable with Complex

Today’s mortgage market looks very different – what worked for a generation ago no longer suits the needs of today’s borrowers. As an innovator in the lending space, Hodge is committed to developing propositions that align with the unique demands of modern borrowers, with an emphasis on greater flexibility and understanding.

To help brokers understand these changes and opportunities, Hodge will be running a Webinar to highlight what’s driving the need for change and how creative propositions like the Hodge Resi & Resi Retire will open up a host of new opportunities for brokers and their clients. The Webinar will be hosted by James Enos, National Account Manager & Emma Graham, Director of Business Development at Hodge and welcome guests Steve Humphries (Proposition Director Mortgages - MAB) and Jane Simpson (Strategic Relationship Manager – L&G).
Together, we’ll discuss the changing needs of today’s borrower and the importance of adapting to these needs collectively, as the mortgage market moves into a new era of lending.

Hodge Resi & Hodge Resi Retire

Following the successful launch of Hodge Resi in August 2024, Hodge has made strides to expand into the wider specialist residential mortgage market. Now, we’re excited to introduce Hodge Resi Retire (50+), a product that replaces the 50+ mortgage, breaking down the legacy barriers of yesterday’s Later-life market. Hodge Resi and Hodge Resi Retire (50+) are designed to meet the needs of clients aged 21 to 95, providing the same forward-thinking, enhanced criteria, but with a flexible, case-by-case approach.

Embracing the changing needs of today’s borrower

This webinar covers the challenges faced by intermediaries in mid-later life lending, consumer duty and matching consumer needs to lending solutions. We'll also explain how AI can support intermediaries, reduce complexity, and how innovation can be combined with strategy..

Later Life Advising, AI, and How Product Innovation & Strategy Combine

In the current UK mortgage market, short-term products prevail. But are they always best for your customers? Tune in to see how Perenna can help provide a different option.  

Whether your customers are first-time buyers, home movers, ready to remortgage or borrow in retirement, this informative session will explore how a long-term fixed rate could help.

The ace up your sleeve: Explore how long-term fixed rates can give more options

Join Andy Rowe, Head of Sales at the BTL lender, Zephyr Homeloans, for an update on the BTL market and three specific areas where you can help landlords make the most of the opportunities available. And, of course, you’ll also get an update on Zephyr’s lending criteria and service. If you have professional landlord clients, it’s a webinar that’s not to be missed!

Professional Landlord BTL Opportunities

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.

Commercial Finance Spotlight with Omega Commercial Solutions

High Valuations & Restricted Lenders Spotlight - Earn Commission for Referrals

Wills & Trusts Spotlight - Earn Commission for Referrals

Bridging Spotlight - Earn Commission for Referrals

Earn Commission for Referrals to our Conveyancing Panel

Exploring the complexities of an evolving Self-Employed market

Putting 2nd Charges under the Spotlight

2024 Coffee Mornings

Join our first coffee morning of 2024, hosted as always by Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club. Sophie will be joined by Max Sheppard, Group Economist at Yorkshire Building Society. 

Max will look at what happened across 2023 from an economic perspective and how past events could shape the 2024 market. Max and Sophie will discuss the impact of inflation, fluctuating mortgage rates, product availability and the effect that current market conditions are having upon affordability. Max will also explain how different types of lenders are funded and how that affects pricing. This session will provide advisers with an interesting early insight into where the market could be heading in 2024, and Max will provide his economic commentary in an easy to digest fashion.

An Economist View of the 2024 Mortgage Landscape

mortgage

economy

mortgage adviser

affordability

financial adviser

mortgage market

Inflation

mortgage rates

mortgage lenders

Join this highly engaged community of UK financial advisers as they share peer-to-peer best practice advice. Find content related to investment and economics, better business practices, client acquisition and client referrals for financial advisors, as well as tax and pension advice. Further the engagement by presenting and participating in live interactive webinars and videos.

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.

Banking and Treasury

Get powerful financial planning and analytics insights for your business. Connect with experts and colleagues to get the most up-to-date knowledge and drive optimal financial performance for your company.

Financial Planning and Analysis

Join this new, vibrant community to learn and connect with top thought leaders, startups and banks who are disrupting the financial services industry. Keep up with the latest news and trends in Fintech and take part in lively debates on topical issues and challenges.

Fintech

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An Economist View of the 2024 Mortgage Landscape

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