The perfect time to reconnect with customers
November’s a great moment to pause, look back on the year, and start planning for 2026. With the Autumn Budget on the horizon and mortgage maturities peaking for this year, it’s the perfect time to reconnect with your customers.
Reach out through your newsletters and reviews — stay front of mind and show your customers you’re here to guide them through the changes ahead.
Let’s make these final weeks of the year count and set up for a strong start to 2026!
Full Procuration Fees Now Payable on Product Transfers
CHL Mortgages and ModaMortgages have announced a major enhancement to their intermediary proposition, confirming that they will now pay full procuration fees on all product transfers.
This change recognises the full advisory work involved in product transfers, including research, client engagement, and verification, and reinforces their commitment to supporting intermediary relationships.
To access their product transfer offering, you must be registered with both lenders:
Rate Cuts Open New Opportunities for Advisers
With high-street lenders slashing mortgage rates as the price war intensifies, advisers have a key opportunity to re-engage clients and help them secure more competitive deals. Falling rates are driving increased borrower activity, particularly among those approaching product end dates or seeking to remortgage.
Now, with full procuration fees payable on product transfers, advisers can make the most of this environment — ensuring clients benefit from improved rates while being fairly rewarded for their expertise and diligence. It’s the perfect moment to review existing client books and support customers in navigating this fast-moving market.
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Victoria Clark
Head of Lending
Our Lifetime Mortgage Gala Dinner is almost here!
We are really looking forward to seeing those of you who are attending our end of year Lifetime Mortgage Gala Dinner event on the 4th December. This is your chance to speak with lenders and your peers at the daytime conference and then let your hair down in the evening at the dinner and awards ceremony. If you haven’t already registered, you can do so here.
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Victoria Clark
Head of Lending
The Importance of FIB (Family Income Benefit)
Family Income Benefit (FIB) is an often-overlooked form of protection that can make a huge difference to clients and their families. Instead of paying a lump sum, it provides a regular, tax-free income if the policyholder passes away during the term, helping loved ones maintain financial stability when it’s needed most.
To make it easier for advisers to discuss FIB and other protection options with clients, Sandra is currently working on new protection factsheets. These will offer clear, practical guidance and key talking points to support your conversations … keep an eye out for their release soon!
Latest Podcast Release
Dive deeper into the discussion with our newest podcast episode Protection Insight – FCA insights & supporting wellbeing featuring Alan Waddington of Cirencester Friendly. We unpack key market trends, regulatory updates, and practical tips to help advisers thrive in today’s protection landscape.
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Amy Wilson
Head of Insurance
We’re looking forward to seeing you at the PMI Summit and Dinner – 6th November!
We’re excited to be joining you at this year’s PMI Summit and Dinner on 6th November – a fantastic opportunity to connect, learn, and celebrate together. The event brings together leading voices from across the industry to share insights, best practices, and the latest updates shaping the protection and mortgage markets.
Join us for a day of thought-provoking sessions, valuable networking, and practical takeaways to help you grow your business and better support your clients. The evening dinner will be the perfect chance to unwind, enjoy great company, and continue the conversations in a relaxed setting.
We can’t wait to see you there!
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Amy Wilson
Head of Insurance
Brrr… It’s that time of year again!
As the nights draw in and the heating clicks on (for those of us brave enough to touch the thermostat!), it’s a good time to remind clients just how important it is to have the right Home Insurance in place.
From burst pipes to stormy surprises, winter has a funny way of testing our homes (and our patience). Making sure clients are properly covered means they can relax and enjoy the cosy season, knowing they’re protected if the unexpected happens.
So, grab a cuppa, wrap up warm, and let’s dive into this month’s Home Insurance update, because prevention really is better than paddling across the living room floor!
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Amy Wilson
Head of Insurance
