SMA July 2022

2022 WINNERS

DELIGHTED

to have been lead partner at the Scottish Mortgage Awards Make money work for you

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676).

Registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.

EDITORIAL

COMMENT Managing Editor Paul Lucas paul.lucas@keymedia.com Deputy News Editor Jake Carter jake.carter@keymedia.com News Editor Richard Torne richard.torne@keymedia.com Commercial Director Matt Bond matt.bond@keymedia.com Advertising Sales Executive Jordan Ashford jordan.ashford@keymedia.com Campaign Manager Amie Suttie amie.suttie@keymedia.com Campaign Coordinator Raniella Alonzo Content Editor Kel Pero Production Manager Monica Lalisan Production Coordinator Loiza Razon Designer Marla Morelos Head of Marketing Robyn Ashman robyn.ashman@keymedia.com

The more things Contents change…

I

f there has one thing that has dominated the mortgage market in recent years, it would have to be: change. Whether it was the COVID-19 pandemic, the switch to remote work, or the recent surge in inflation and interest rates, the market has been constantly evolving: and the same has been true for Mortgage Introducer.

Since the 2021 edition of the Scottish Mortgage Awards, held in October, Mortgage Introducer has been acquired by Key Media International, making it part of a global publishing powerhouse. As such, tongues were naturally wagging ahead of the 2022 Scottish Mortgage Awards in partnership with Barclays, around what would change.

Well, familiarity ruled the day. Once again, the event returned to The Balmoral in Edinburgh, the food was as sumptuous as always, and Fred MacAulay, our resident comedian, was on-hand to lighten the mood among those nervously wondering if they would walk away with one of the much sought-after prizes.

By the end of the proceedings, however, whether they walked away with top honours or not, there was a feeling of joy, positivity and unity – that in an industry where so many of us are, in theory, competitors, we can all unite and share wonderful experiences together.

We are stronger when we’re together.

This was further emphasised by the support of our exceptional event partners – including Barclays and platinum sponsor, Mortgage Advice Bureau. Further backing came from the likes of Allied Surveyors Scotland, The Mortgage Lender, Aberdein Considine, Lowry Capital, Sesame Bankhall Group, Shawbrook, Firstmortgage.co.uk, Paragon, Halifax, Hodge, HSBC UK, Standard Life Home Finance, Cara Mortgage Services, Uinsure, Vitality, the Scottish Building Society and Nationwide Building Society – all highlighting how important a strong broker market is for their business.

You see, even in times of change, some things will always remain the same – and at Mortgage Introducer our goal was, and always will be, to champion your profession and to celebrate your success. See you in 2023.

CONGRATULATIONS to everyone that was nominated www.mortgageintroducer.com

2 Mainstream Lender of the Year 4 Specialist Lender of the Year 6 Later Life Lender of the Year 8 Building Society of the Year 10 Distributor of the Year 12 Surveyor of the Year 14 GI Provider of the Year 16 Protection Provider of the Year 18 Regional Best Broker - Glasgow 20 Regional Best Broker – Edinburgh 24 Regional Best Broker – Aberdeen/Northern 26 Regional Best Broker – Perth/ Stirling/Falkirk (Central Region) 28 Regional Best Broker - Dundee & Fife 30 Regional Best Broker – Highlands & Islands 32 Regional Best Broker - Dumfries & Borders 34 Overall Broker Scotland 36 BDM of the Year 38 Business Leader of the Year - Broker 40 Business Leader of the Year - Lender 42 Lifetime Achievement Award 44 Thank you to the Sponsors 46 Event Photos Looking back at the Scottish Mortgage Awards 2022

Make money work for you

SCOTTISH MORTGAGE AWARDS 2022

1

CATEGORY SPONSOR

WINNER Mainstream Lender of the Year HALIFAX

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Let us help your business

take off...

We are a leading mortgage network as well as the UK’s most recognised mortgage intermediary brand*

Working with over 1,400 independent estate agency branches across the UK, we are firmly established in the mortgage industry.

Working in partnership with dedicated introducers to increase revenue and support the sales process with a professional and tailored mortgage and protection advice service, we: • arrange over £16bn of mortgage loans annually • have over 1,800 advisers offering expert mortgage & protection advice • have access to over 12,000 products from more than 90 UK lenders • have over 150 national awards for the quality of our advice and service

mortgageadvicebureau.com *Based on Opinium Research, Summer 2020.

Award-winning mortgage advice

CATEGORY SPONSOR

WINNER Specialist Lender of the Year THE MORTGAGE LENDER

Hanif Hussain, business development manager, The Mortgage Lender, said:

4

“

Love this event on home turf, made even more special this year with our wins (and the kind congratulations on the birth of my little one!).

Always grateful to be recognised within the Scottish Mortgage Sector.

Looking forward to next year already."

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Later Life Lender of the Year MORE2LIFE

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Building Society of the Year SCOTTISH BUILDING SOCIETY

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Distributor of the Year LEGAL & GENERAL MORTGAGE CLUB

Kevin Roberts, director L&G Mortgage Club, said:

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“

L&G Mortgage Club are absolutely delighted to win ‘Distributor the Year’ at this year’s Scottish Mortgage Awards. This win is testament to the hard work of the entire team, our ever-evolving technology proposition, but most importantly to the strength of the partnerships we have with lenders and brokers across Scotland.”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Reasons to recommend our Life cover.

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1 Defaqto, June 2022 VitalityLife is a trading name of Vitality Corporate Services Limited. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority.

CATEGORY SPONSOR

WINNER Surveyor of the Year SHEPHERD CHARTERED SURVEYORS

Ian Fergusson, managing partner, J&E Shepherd, said:

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“

“We’re delighted to once again win this prestigious award. This recognition is a testament to our hard-working team of surveyors and support staff throughout Scotland and although we were up against some very tough competition, I am thrilled to have secured this unprecedented fourth win in succession in these awards.”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Specialist mortgages as unique as your clients

CATEGORY SPONSOR

SURVEYORS SCOTLAND

WINNER GI Provider of the Year UINSURE

Angela Robertson, director of key accounts, Uinsure, said:

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“

To win Best GI Provider for the fourth year running is testament to how the team has continued to innovate to make the lives for advisers using our platform easier than ever. Offering GI alongside a mortgage application is unrecognisably seamless compared to a few years ago and we’re extremely excited about how we’ll evolve further over the coming years."

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Protection Provider of the Year VITALITY

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Regional Best Broker - Glasgow MAB / HOMELOAN SERVICES

Harry McGeough, business principal, Mortgage Advice Bureau / Home Loan Services Ltd, said:

18

“

We are absolutely delighted to have won both the Glasgow and overall Scottish broker awards. This is recognition of the hard work and dedication of our team, without whom these awards would not be possible. We also thank our loyal customers and other business partnerships for their overwhelming support.”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Regional Best Broker - Edinburgh MORTGAGE ADVICE BUREAU REGIONAL NETWORK PARTNER SCOTLAND

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Congratulations to Mortgage Advice Bureau, the winner of the Regional Best Broker - Edinburgh award at this year’s Scottish Mortgage Awards.

We would also like to offer our congratulations to all of the winners in their respective categories.

We are proud to have been part of another year celebrating industry excellence.

Opening up a world of opportunity For Intermediary use only.

Opening up a world of opportunity

HSBC UK Bank plc. Registered in England & Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Our Financial Services Register number is 765112. ©HSBC Group 2022. All Rights Reserved.

CATEGORY SPONSOR

SUPPORTING SUPPORTING Scotland Scotland

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Make money money Make Make work money money for work work you workfor for foryou you you Make Make Make work money money for you work for you

CATEGORY SPONSOR

WINNER Regional Best Broker - Aberdeen/Northern GAIL REID MORTGAGE SERVICES

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

SINCE 184 8 2022

SCOTTISH MORTGAGE AWARDS

Personal, Flexible, Reliable 92.6% broker satisfaction score At Scottish Building Society, we’ve been helping people buy their homes for over 170 years.

Our enduring success is founded on exceptional customer service and a reputation built on confidence and trust. We’re committed to treating each mortgage applicant as an individual.

Every case receives personal, flexible underwriting.

We’re proud of strong connections with intermediaries and truly value these relationships.

That could be one reason why brokers have given us an 92.6% satisfaction rating on financial review website Smart Money People.

To find out how we could help you and your clients, contact Nigel Hammonds on 07917 640 956 or email n.hammonds@scotbs.co.uk Smart Money People survey H2 2021. Feedback from 1,476 brokers across 41 UK building societies.

Scottish Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No. 206034). Member of the Building Societies Association and UK Finance. Scottish Building Society, SBS House, 193 Dalry Rd, Edinburgh EH11 2EF.

CATEGORY SPONSOR

WINNER Regional Best Broker - Perth/Stirling/Falkirk (Central Region) HH MORTGAGE CONSULTANCY

Helene Henderson, business owner, HH Mortgage Consultancy, said:

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“

As a family business, we are absolutely delighted to win the award for the second year running, it is a great testament to the service we provide. We would like to thank each and every person who took the time to vote for us.”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

5-star service from a lender you can trust.

It’s a people thing.

For the use of mortgage intermediaries and other professionals only.

If you do not have professional experience, you should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority’s advising and selling rules. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. This information is correct as of June 2022 and is relevant to Halifax products and services only.

CATEGORY SPONSOR

WINNER Regional Best Broker - Dundee & Fife FIRST MORTGAGE

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Congratulations to

First Mortgage Winner of the Best Broker Dundee & East Fife Scottish Mortgage Awards 2022

www.paragonbank.co.uk/intermediary/btl

CATEGORY SPONSOR

WINNER Regional Best Broker - Highlands & Islands CARA MORTGAGE SERVICES

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Glasgow Office

SCOTTISH MORTGAGE AWARDS

0141 471 9557

SPECIALIST LENDER OF THE YEAR

www.lowrycapital.scot

Lending Throughout Scotland For Over 15 Years £25k to £4million Within Days

We fund property projects all over Scotland - from remote locations in the highlands and outlying islands to city centre apartments. Our dedicated team, based in Glasgow, is passionate about property and looking forward to hearing about your project.

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Funding for the Development of 8 Holiday Homes

Funds to Convert an Office Building into 32 Flats

Funding for the Development of a Rural Holiday Park

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Funding in Six Stages to Build a Retail Park

Development Finance for 8 Luxury Homes

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Location: Dunfermline, Scotland

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Location: Aberdeen, Scotland

Timeframe: 26 Days

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CATEGORY SPONSOR

WINNER Regional Best Broker - Dumfries & Borders BORDERS MORTGAGE HUB

Robin Purdie, director, Borders Mortgage Hub, said:

32

“

It is a great honour to win this award for the 2nd year running.

We always strive to do the best for our clients, and conditions in recent months have been really tough. So to win this again gives the whole team a lift."

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

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Flow thr o

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At Shawbrook we combine creative tech-led solutions with a personal service to unlock opportunities for your clients, every single day.

• • • • •

Buy-to-Let Bridging Commercial Investment Development Finance Second Charge

Get in touch 0330 123 4521 cm.broker@shawbrook.co.uk property.shawbrook.co.uk

THIS ADVERTISEMENT IS FOR PROFESSIONAL INTERMEDIARIES ONLY AND IS NOT INTENDED FOR PUBLIC OR CUSTOMER USE

CATEGORY SPONSOR

WINNER Best Overall Broker Scotland MAB / HOMELOAN SERVICES

Harry McGeough, business principal, Mortgage Advice Bureau / Home Loan Services Ltd, said:

34

“

We are absolutely delighted to have won both the Glasgow and overall Scottish broker awards. This is recognition of the hard work and dedication of our team, without whom these awards would not be possible. We also thank our loyal customers and other business partnerships for their overwhelming support.”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER BDM of the Year HANIF HUSSAIN, THE MORTGAGE LENDER

Hanif Hussain, business development manager, The Mortgage Lender, said:

36

“

Love this event on home turf, made even more special this year with our wins (and the kind congratulations on the birth of my little one!).

Always grateful to be recognised within the Scottish Mortgage Sector.

Looking forward to next year already."

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Specialist mortgages as unique as your clients

CATEGORY SPONSOR

WINNER Business Leader of the Year - Broker GREIG BROWN, ABERDEIN CONSIDINE

Greig Brown, mortgage director, Aberdein Considine, said:

38

“

Delighted to accept the Business Leader of the Year on behalf of the whole team at Aberdein Considine. I am proud of what we have collectively achieved over the last 12 months and excited for what the future holds! Thank you to all involved with the Scottish Mortgage Awards, it was a great event which the team thoroughly enjoyed. See you in 2023!”

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Winners of

GI Provider of the Year 2019-2022

Name. DOB. Postcode.

3 questions to quote and 60 seconds to apply.

We use big data and third party integrations to pre-fill information, removing the need for you to rekey or answer complex questions in the insurance process.

www.uinsure.co.uk

at the Scottish Mortgage Awards

CATEGORY SPONSOR

PROPERTY LEGAL FINANCIAL

WINNER Business Leader of the Year - Lender GRAEME MUIRHEAD, BARCLAYS

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MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

CATEGORY SPONSOR

WINNER Lifetime Achievement Award HARRY MCGEOUGH, MAB / HOMELOAN SERVICES

42

MORTGAGE INTRODUCER SCOTTISH MORTGAGE AWARDS 2022

www.mortgageintroducer.com

Give your clients more options with the Horizon range Enhance your advice offering with our Horizon range.

LTVs up to 56%, market-leading features and much more.

Call us today on 0333 307 9000 standardlifehomefinance.co.uk

This is intended for intermediaries only.

Telephone calls may be monitored or recorded for training purposes. Standard Life Home Finance is a trading name of more2life Limited. Registered in England No 5390268. Registered Office: Baines House, 4 Midgery Court, Fulwood, Preston PR2 9ZH. more2life Limited is authorised and regulated by the Financial Conduct Authority. more2life Ltd uses the Standard Life brand under licence from Standard Life Assets and Employee Services Limited. The Standard Life name and logo are registered trade marks of Standard Life Assets and Employee Services Limited.

THANK YOU TO THE SPONSORS PROPERTY LEGAL FINANCIAL

SURVEYORS SCOTLAND

CONGRATULATIONS to all the winners at the Scottish Mortgage Awards Make money work for you

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676).

Registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.