Swap Rate Movement: Review your pipeline and act promptly
We have seen some movement in swap rates this week, which is beginning to feed through into lender product changes and rate increases. Although we hope this will be short lived, please review your current pipeline and act promptly where appropriate. Where a lender allows, reserve the chosen product as early as possible to secure the available rate, please remember that a DIP alone may not always do this, so check the lender’s specific requirements. Proactively contacting customers will help manage expectations, demonstrate your value and reduce the risk of them looking elsewhere.
Halifax Premier Large Loans Contact Team:
(For loans over £650,000)
Jill Abbie (Monday to Wednesday)
0207 158 1015
Jillian.Abbie@lloydsbanking.com
Megan Jamieson (Wednesday to Friday)
0207 356 3528
Megan.Jamieson@lloydsbanking.com
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Victoria Clark
Head of Lending
Discounted interest rates for customers
We have had two more lenders bringing out interest reward products. This means that if a customer opts to pay some or all of the interest with payments from as little as £25 per month for a set period, 5/10/15 years, they will receive a discounted interest rate, often for the life of the plan. These great changes mean that the Lifetime Mortgage products are no longer a niche product but a mainstream product offering the customer more options.
If you wish to refer a customer or would like to know more about this type of product, please get in touch with Kate Glover on kate.glover@therightmortgage.co.uk
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Victoria Clark
Head of Lending
IPAW 2026 starts next week!
Income Protection Action Week (IPAW) returns from 21–25 September.
Hosted by the Income Protection Task Force (IPTF), this free online event is designed to help advisers have more impactful protection conversations.
Join from 12–1pm each day to:
- Earn five hours of CPD across the week
- Discover practical best practices
- Explore fresh, thought-provoking content
- Strengthen your advice conversations, whatever your speciality or experience level
We’ll also be sharing new marketing and social media templates later this week to help continue the conversation.
In the meantime, follow IPTF on LinkedIn for additional content throughout the week.
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Amy Wilson
Head of Insurance
The one question PMI advisers always ask…
Next up in our adviser Q+A series, we asked, ‘’When you’re talking about PMI with a client, what’s the one question you always ask?’’
Adviser 1 – I ask, “If you needed a scan or specialist appointment tomorrow, how long could you realistically wait?” It immediately reframes PMI around speed of diagnosis and gets clients thinking about the practical impact of delays, not just the cost of a policy.
Adviser 2 – If you or a member of your family needed treatment tomorrow, how would you want that to happen? It gets them thinking. However usually most of the customers I deal with either already have it or they’ve been in a circle with a family member or friend that’s had a really bad experience with the NHS
Adviser 3 – Do you have it? Have you had it? Have you ever used it? Ok that is three questions and wouldn’t be that blunt but the conversation would aim to get the answers to those questions.
This month we are also merging our PMI section with Group Life as Unum enhance Help@Hand to include a clinical advice phone line, read more below.
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Gemma Penkethman
PMI Supervision & Development Manager
Rising claim costs reinforce the need for suitable cover
The cost of home insurance claims continues to rise, with the average payout exceeding £7,000 for the first time during the second quarter of 2026. The average subsidence claim also reached a record £20,000, while weather-related damage and theft costs remained under pressure.
These figures reinforce the importance of looking beyond price when arranging General Insurance. Advisers should help clients understand their policy terms, excesses and exclusions, while regularly reviewing their cover to ensure it remains appropriate for their property and circumstances.
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Amy Wilson
Head of Insurance
