There’s been a big rise in the number of self-employed workers, who now account for 15% of the UK’s labour market. Surprised? Probably not. But coupled with the ongoing withdrawal of the welfare state, this sharp rise provides a golden opportunity for advisers to present income protection as a must-have product for self-employed clients. Are [...]

At Cirencester Friendly it’s all about the personal service – treating you and your client like a name, not a number. As part of this personal service, we ensure you have access to your very own dedicated Financial Adviser Support Team and can talk directly to our Underwriters. But just as important are the award [...]

I thought you’d like to know that we have recently updated our on-line underwriting rules for Scottish Widows Protect. The updates are as follows: Family history of breast cancer - We’ve lowered the age of family history from under 50 to under 40, where a rating for life and CI exclusion for breast /ovarian cancer [...]

We've designed a new, online Pre-Underwriting Tool which enables you to understand if disclosures will result in standard rates, increase the premium, lead to a policy exclusion or result in a decline or postpone outcome. The easy-to-use tool is available 24/7, gives you an accurate underwriting decision, helps you manage your client’s expectations and get their cover [...]

New fixed rates, updated guide attached for your information – please forward to appropriate sourcing companies. New Fixed Rate Products Additional funds secured, as a consequence we have now re-launched FE069, FE070 and RFE037 Product Restrictions Please note restricted income multiples continue to apply to our 95% product range, defined as product codes FE070, DE098 [...]

Prices rose 1.1% month-on-month in June, reversing the previous three months' falls Annual house price growth rises to 3.1% Gap in house price growth between strongest and weakest performing regions in Q2 is the smallest on record House Price Index headlines June 17 May 2017 Monthly Index* 417.5 412.8 Monthly Change* 1.1% -0.2% Annual Change [...]

We're just letting you know that from tomorrow, Wednesday 28 June 2017, we're extending the end dates across all New Business and Existing Customer products. New Business guide Existing Customer Switcher guide Product highlights 1.59% 1.74% 1.99% 2 year tracker up to 65% LTV Available for [...]

Specialist lender Aldermore has launched a new service promise to ensure when you work with them you’ll receive amazing support, expertly delivered. Their new service promise focuses on four key areas: Dedicated contacts - Experts to help you with new opportunities and throughout the application process Transparent service - Current underwriting and offer timescales updated every working [...]

Precise Mortgages’ new Document Certification Form only needs one signature to verify all supporting documents. Click here to download the new form.    No need to sign every supporting document Just one signature on a completed form will confirm that all of the supporting documents have been checked and verified.   Faster processing times As [...]

We would like to inform you that we are reducing rates across a number of our mortgage products. Please see below a summary of the products that are reducing: Residential 65 - 75% LTV discounted mortgage products to reduce by 0.10% The 90 - 95% LTV residential mortgage products will be reduced between 0.10% to 0.20% [...]