Navigating Affordability and Opportunity
The lending market continues to evolve as lenders balance competition with caution. While rates have stabilised compared to the volatility of recent years, affordability remains a key consideration, particularly for first time buyers navigating higher living costs and tighter criteria. In this environment, adviser knowledge and lender flexibility can make a significant difference to outcomes.
In this edition, we explore how advisers can help bridge the first time buyer knowledge gap and why flexible underwriting is becoming increasingly important in supporting complex or non-standard cases. Understanding how lenders assess affordability, income types and credit nuances can be the difference between a declined case and a successful completion.
You may have heard that L&G Mortgage Club’s Ignite is becoming a paid for subscription. We wanted to confirm, that as a key partner of L&G Mortgage Club, this will not be affecting any of The Right Mortgage Network Members. All of your L&G Ignite users will not be being charged when this is implemented.
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Victoria Clark
Head of Lending
Lifetime Mortgage Standards Boost Customer Confidence
The positivity continues in the Later Life Lending space with even more lenders reducing their early repayment charges. It’s great to see the FCA acknowledging that Equity Release is no longer a niche product but now more of a mainstream product and with the standards put in place by the Equity Release Council, the customer has the confidence that a Lifetime Mortgage could be the right one for them.
We are looking forward to seeing those of you who are attending the NTE next month. Here is the link for those of you who are yet to register.
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Victoria Clark
Head of Lending
Broadening the Protection Conversation with Business Protection Week
Protection conversations remain as vital as ever, yet many clients still overlook key areas of cover. Rising awareness around family resilience and long-term financial security is driving renewed interest, particularly in areas that may previously have been under-discussed.
This month, we take a closer look at Children’s Critical Illness cover and why it can play a meaningful role in holistic protection planning. We also explore the power of native posting in raising awareness and engaging clients in protection conversations, helping advisers position themselves as trusted voices in an often overlooked area of financial planning.
With Business Protection Week taking place this month, it also provided a timely reminder of the opportunity within business protection advice. Many business owners remain underprotected, despite being financially exposed to the loss of a key individual, shareholder disputes or the impact of long-term illness. Advisers who proactively raise these conversations can deliver significant value, both commercially and in terms of client outcomes.
Our protection proposition is designed to support exactly that. With whole of market access, dedicated support, specialist insight and practical tools, we aim to give advisers the confidence to broaden protection discussions beyond the basics. Whether it is personal cover, business protection or group arrangements, the focus is on equipping advisers with the knowledge and backing needed to deliver meaningful, client-led advice.
Business Protection Week may only last a few days, but the opportunity it highlights is ongoing. By embedding protection firmly within your advice process, you not only strengthen your client relationships but also reinforce your position as a trusted, holistic adviser.
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Amy Wilson
Head of Insurance
Evolving Health and Workplace Needs
Private Medical Insurance continues to grow in relevance as NHS waiting times and workplace wellbeing remain prominent concerns. Employers are increasingly viewing PMI as part of a broader talent retention and employee support strategy, while individual clients are seeking faster access to treatment and greater certainty.
Our latest updates explore neurodiversity and wellbeing in the workplace and how this is influencing benefit design. We also highlight new features and enhancements designed to make the adviser and client journey smoother, helping you deliver clear, confident advice in a competitive and evolving market.
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Amy Wilson
Head of Insurance
Adapting to Emerging Risks
General insurance remains a critical component of client protection, particularly as environmental and regulatory factors continue to shape risk. Climate change is influencing underwriting decisions, with flood risk assessments becoming more sophisticated and pricing increasingly reflective of regional exposure.
We also examine whether your business-owner clients may need Directors and Officers Insurance, an area that is often overlooked but increasingly relevant in today’s regulatory landscape. Together, these insights underline the importance of regularly reviewing clients’ cover to ensure it reflects current risks rather than historic assumptions.
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Amy Wilson
Head of Insurance
