A few tips… 125% minimum rental cover 5.00% affordability rate up to 75% LTV Eligibility criteria until transitional arrangements: New BTL remortgage application must not be capital raising (adding product fees is allowed, adding ERCs is not allowed) BTL property must have been purchased before 1 January 2017 No additional BTL lending has been taken [...]

We’re excited to announce that we’re the first Income Protection provider to launch a range of Square Health services on their new mobile app! In February this year, we launched our new discretionary Mutual Benefits programme for all our members (subject to eligibility in our terms and conditions).The programme provides practical lifestyle benefits that members [...]

You may have seen in the media, discussions around the impact of the new bereavement benefit system that came into effect on 6th April.  The changes have been labelled as a ‘modernisation’ of the current system, but Johnny Timpson, our Financial Protection Market & Industry Affairs Manager disagrees.  You can learn more about why he [...]

We have created a NEW guide to help you with your conversations if you are speaking with employers looking to provide protection to their employees. Benefits of providing Employer Paid Premiums include: Strengthening relationships with existing clients Opportunity for referrals from employers to other clients and/or businesses Opportunity for you to become the “go to” [...]

You now have three ways to submit! We are pleased with the continued positive response our income protection contracts are receiving. To make it even easier for you to do business with us, you now have three ways to submit your client’s application: Online: register here Scan & email: newbusiness@cirencester-friendly.co.uk Post: Cirencester Friendly, 5 Dyer [...]

NEW FEATURE: APPLICATION PACKS Download an Application Pack which contains all the Key Features, Illustrations and Comparison Reports, with and without commission, ready for you to present to your client in 15 seconds. Simply flag your chosen solution in SolutionBuilder, then press 'Get Application Pack' - it's as simple as that. If you can't see the [...]

You may be aware that Santander sales team run a Retention Helpdesk to assist advisers with any operational difficulties you have or your customers may have in transacting retention business with them. The desk is getting a number of calls where the query could be best answered by their MATS message system. To help understand [...]

TML is delighted to announce the Premier Panel Exclusive. As a selected distributor, we now have the option to submit business for First Time Buyers at 85% LTV. To obtain a lender decision click here, complete the form and email to info@3-mc.com In addition, for cases submitted through us, as an exclusive distributor, we can [...]

Dear Intermediary Partner Here is the latest Intermediary news from The Nottingham. We are extending the end dates on seven of our residential products and one of our buy-to-let products. These changes will take effect from 9am on Wednesday 19th April 2017. Product changes Residential purchase and remortgage End date extensions: 80% LTV 5 year [...]

I am delighted to advise you that we have increased our LTV limits for loans in excess of £1 million and increased the amount that can be taken on Interest Only. We can now lend up to 80% up to £2 million loan size, with 75% being on Interest Only. Our LTV bandings are now [...]