'Sign your mortgage deed' The digital service is available to eligible remortgage customers only, who can sign their mortgage deed whenever and wherever they are. It removes the need for a ‘wet’ signature and witnesses to be present when the documents are signed, making it quicker and more straightforward as follows: The customer needs [...]
· Rental history not compulsory - can be still residing with parents · Full gifted deposit from family accepted (includes aunts and uncles) · Minimum income of £15,000 (including overtime/commission/bonus 50% taken) · 1 year’s figure’s considered for the self-employed · Historic payday loans considered
The Kensington Affordability Tracker uses the models used by mortgage lenders to calculate the borrowing power of a family, after taking account of bills, transport costs and other household living expenses. It tracks the difference between the amount a homeowner could have borrowed, compared to the amount that was loaned. Our latest report shows [...]
How the Marsden can provide for your expat clients We're experts in all things expat... We've been providing expert support to your expat clients for over 8 years. Here's our promise: Individual underwriting We underwrite each case so we're able to take a common-sense approach to your client No credit scoring We won't credit [...]
VitalityLife launches signature-free online trust solution for advisers Last month VitalityLife launched a new online solution that makes it quicker and easier for advisers to place protection plans in trust. The online process eliminates the need for written signatures and allows advisers to set up a trust as part of the protection application using [...]
From Wednesday 14th August 2019 interest rates will decrease or remain the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. New Business All pre-sales illustrations produced on or after Wednesday 14th August 2019 will automatically be processed using the new interest rates All applications received on or [...]
Welcome to this week's Mortgage Update.Please take the time to read through the update as there may be some information that is important to you.Included in this week's update:Aldermore make their buy to let application process better;Marsden provide support for your expat clients;Kensington launch affordability calculator.
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Join Royal London's webinar and discover how their income protection works; The Exeter help the 4.8 million self employed protect their income; Aviva [...]
Canada Life has announced that it’s lowering the interest rate and increasing the maximum loan-to-value (LTV) for its buy-to-let and second home products. The annualised interest rates for Canada Life’s buy-to-let Lifestyle and buy-to-let Voluntary Select products have reduced from 6.16% and 6.36% to 5.78% and 5.98%. Additionally customers can also now benefit from [...]
Tom and Anna are 75 and 71 respectively and live in Leeds. They currently have an interest only mortgage and the term is about to expire. They’re not keen on downsizing or moving out of their area. Tom is still employed full time as a chef at a local restaurant while Anna is in [...]
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