When you consider the effort and time that goes into a mortgage application, it is understandable that General Insurance can sometimes fall down in the priorities list. However, it is expected by mortgage lenders that a client has buildings insurance in place before an exchange can take place. Therefore, to ensure their clients understand the [...]

This information is for use by FCA authorised intermediaries only and must not be distributed to potential customers/ borrowers. The Intermediary Mortgage Lenders Association (IMLA) has revealed that the proportion of brokers facing difficulties helping Interest Only clients has fallen 15 percentage points year-on-year to 39%.[1] However, there are still those cases that can be [...]

Recent commentary within the money markets suggests that the base rate may not increase until 2017, therefore would now be a good time to consider tracker products for your clients? Our competitive range of residential tracker deals could benefit them as they come with the added advantage of being ERC free.  Our best selling products [...]

Precise Mortgages’ tier 7 and 8 residential mortgage products could help your customers who have a less than perfect credit profile. Take a look at these product highlights below:   Higher levels of allowable adverse Up to 5 defaults and 3 CJJs considered Rates from 4.67% Up to 80% LTV Flat product fee of £1,495 [...]

Virgin Money know you have strong relationships with your mortgage customers and many will come back to you time after time for mortgage advice. Some of those customers will have a Virgin Money mortgage and they are delighted to announce that they have launched a product transfer service – meaning you can easily [...]

Here's a reminder of what we do... With a manual underwriting approach without any credit scoring, Magellan's Near Prime and Credit Repair product ranges offer you a variety of solutions for complex client circumstances including: Cases declined by automated credit scoring systems Historic adverse credit including Defaults, CCJs, Arrears, IVAs, DMPs and Bankruptcy Borrowing beyond [...]

Love is in the air with the number of applications for wedding loans  in 2016 soaring to its highest point since 2013. During the first two months of 2016 over £8.6 million wedding loans were applied for through Freedom Finance, with 1,465 applications made. On average, we see applications peak in January as couples begin [...]

If you have to go through a call centre, are you really talking to a Friendly Society? Work with Cirencester Friendly and, as well as getting to know your dedicated adviser support team, you can speak directly to our underwriters.  With 94% of claims paid in 2015, your clients will enjoy superb customer service too. [...]

At The Exeter, we’re passionate about income protection. Given that income is the foundation to all of our lives, doesn’t it make sense that protecting it should be the cornerstone of financial advice? Sadly, income protection remains hugely undersold in the world of protection insurance. A common myth A common myth about income protection is [...]

We've further improved Protect+ to offer your clients even more with all new extra care cover. Extra care cover is designed to give added reassurance to clients who suffer severe, permanent symptoms as a result of their critical illness or total permanent disability. It's also in place for those diagnosed with certain conditions at a [...]