Barclays is reducing its affordability stress rate for residential mortgages by 25bps (0.25%) for general residential cases, including Help to Buy Equity Loan (HTB1), which will improve residential mortgage affordability for your clients. The new affordability stress rate will sit at 6.74%, and will take place with immediate effect. The new stress rate will also [...]

Marsden's Lending Solution pools together a range of mortgage products that offer something a different; Residential, Older Borrowers, Lending to Professionals and Buy to Let. The Society continues to look at new ways we can support you and your clients and our intermediary team are available to run through any cases you may have in [...]

It’s a common misconception that our clients have to run marathons or live in the gym to make the most of their Vitality policy. In fact, we reward our clients for the activities they do that make them an Everyday Athlete - however they choose to get active. Making positive changes can be about doing [...]

At the Exeter, we know the positive and life changing impact our income protection products can have on our customers’ lives. Income protection is about more than just claims payments, it’s about people. So, to help you bring this crucial cover to life with your clients, we produce real life claims stories from our customers. [...]

Did you know that? Every two minutes, someone is diagnosed with cancer1; Every seven minutes someone has a heart attack2; and Every twelve minutes, someone has a stroke3. Advisers tell us their clients’ biggest fear is being diagnosed with cancer or suffering a heart attack or stroke4. If they don’t have a financial plan in [...]

Advisers tell us there are many reasons why they choose Cirencester Friendly. These include our award-winning products, our impressive published claim history, our dedicated personal service and our mutuality. As a Friendly Society, we are owned by our Members – your clients. As such, we are always looking to add value for those Members. Friendly [...]

There are many reasons why your clients should consider putting their Life Insurance in trust, including protecting their loved ones from inheritance tax or helping to avoid probate. Our online Personal Trusts Hub can help make explaining the many benefits of putting a personal protection policy in trust, and setting one up even easier. We [...]

In case you missed our earlier newsletters, you now have the ability to research and sell protection with ease using the intelligent protection quote portal – SolutionBuilder. SolutionBuilder can help you rapidly model and shape a range of protection solutions: view multiple protection solutions on 1 screen automatically receive quotes for joint life versus 2 [...]

Last week the Bank of England announced a drop in the base rate, taking us to a new historic low of 0.25%. As you know, the savings will take time to filter through to the 29% of customers currently on their lenders SVR, but for the 1 in 5 customers that are currently on tracker [...]

No one likes an uncertain future, especially when it comes to money. Brokers have been telling us that the recent stamp duty and tax rule changes have made landlords worried about where the BTL market is heading. So, they’re looking for a mortgage product which gives flexibility if they need it. We’ve listened and created [...]