We know that clients may think they're invincible, and that accidents aren't likely to happen to them as they don't part-take in 'extreme' activities. However, accidents do happen, and usually when clients least expect it, doing things they always do. Picture your client bank... how many of your clients have long commutes to work? [...]

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 [...]

Metro Bank's aim is simply to revolutionise mortgages to create fans not customers Common sense approach to underwriting enabling rapid turnaround times on quality packaged cases Joint borrower, sole proprietor on both residential and buy to let – only where the additional borrower(s) is an immediate family relative Max age 80 at the end [...]

Marketing your business in financial services can be complex and support hard to come by, and those who seek support and guidance, and who work smarter will come out ahead. Cue Marketing must-haves for Financial Advisers in 2020 and beyond Join us on Wednesday 27th November to learn how marketing guru Phil Calvert, with [...]

We are delighted to announce that we will be delivering a raft of positive changes to our lending and product criteria with effect from TOMORROW (Wednesday 13th November 2019). The changes cover a range of criteria including maximum loan sizes, minimum property value, transactions between connected parties and gifted deposits. Specific highlights of Fleet’s [...]

TSB have made some changes to residential products. A summary of the changes are below: NEW 5 year fixed house purchase, 0-60% LTV product with £1,495 fee House purchase rates reduced on: 2 year fixed house purchase 90-95% LTV, rates reduced 0.15% 3 year fixed house purchase 0-60% LTV, rates reduced by up to [...]

It’s safe to say that Autumn has well and truly arrived – temperatures are dropping and the rain is pouring. This hasn’t stopped us bringing great new functionality to eConveyancer, though, which we know you’ll love. New Fixed Fee Remortgage from £365 Finally, a truly all-inclusive remortgage product. No more unexpected TT fees or [...]

With HMOs generating the highest average rental yields, it’s no surprise that 21% of landlords* say they intend to purchase an HMO property in the future. So we’re pleased to announce we now accept HMO applications within Scotland – opening the door for more investment opportunities for your customers. Available for personal ownership or [...]

We don’t see customers as numbers, they’re individuals with their own set of circumstances. That’s why we have the ability to judge each case on its merits. And we pride ourselves in our more rounded approach to credit assessment, looking at the applicant’s overall situation rather than just cold, hard numbers. Check out the [...]

Our straight-up approach to mortgage underwriting means you and your clients always know where you stand. With upfront underwriting, we set clear expectations from the get-go. We’ll let you know our lending decision within 24 hours of receiving your application. And as long as the information you have declared at DIP stage is correct, [...]