Just an update
Monday 12th May. This week's
Refer an Adviser to us and earn £1000 – now for principals too!
Do you know someone who could be our next Self-Employed Adviser to join Just Mortgages?
As a Self-Employed broker you will appreciate the importance of referrals.
We are looking for great candidates to join Just Mortgages! Whether they are currently employed or self-employed. So, if you have friends, family or simply someone you know who may be interested in a no obligation discussion, please refer them to us.
As thanks, you will be paid £1000 (£500 paid upon authorisation, further £500 after 6 months). There is no limit to how many candidates you can refer to us.
We are also delighted to confirm that payment will now still be made even if the advisor is to work under the referrer (principal)
Simply click on the following link HERE to refer!
Guardian | Cover Upgrades
Guardian has announced its biggest cover upgrade yet, across both adult and children’s critical illness cover, with immediate effect. The upgrade will include:
The addition of 5 new critical illness definitions (3 for adult’s cover and 2 for children’s cover). 24 definition improvements (13 for adult cover and 11 for children’s cover).
Improvements to children’s critical illness cover to now include the policyholder’s partner’s children.
There are also 16 neutral wording changes and 3 clarifications to definitions to increase customer certainty about when they can claim. Under Guardian’s unique cover upgrade promise these improved definitions apply to existing policyholders.
Guardian is also launching a cover upgrade promise checker tool, to make it easy for customers to stay up to date with what th l i f A i f th t l ill l b il bl f
Metro Bank Talks…
Self-employed & Complex Income’ webinar
Metro Bank takes a flexible approach to the self-employed and understands the challenges faced when dealing with customers with complex income streams; its underwriting team will individually assess each application on its own merits.
To find out more and how Metro Bank can help your clients, please join its next series of ‘Metro Bank Talks’ 15 minute webinars.
Tuesday 13 May | 9.30am – 9.45am: Register now
Tuesday 13 May | 2pm – 2.15pm: Register now
Wednesday 14 May | 9.30am – 9.45am: Register now
Wednesday 14 May | 2pm – 2.15pm: Register now
If you are unable to attend the events above, please feel free to give your BDM a call to book in a meeting – they’d love to hear from you. Find your local BDM here.
Skipton | Are your clients in need of an income boost?
With Skipton’s Income Booster (JBSP) scheme your clients could borrow up to 95% LTV with an income boost from up to three additional borrowers and Skipton will use all four incomes to assess affordability (subject to criteria).
Skipton prides itself on its great service and has a network of local BDMs and TBDMs and gives you access to Underwriters. Skipton always aim to: Process documents in 24 hours. Complete DIP referrals within 2 hours. Instruct valuations within 24 hours of the application being submitted. This year to date Skipton’ average application to offer time is 9.6 days.
If you have any questions or would like any further support, please get in touch with your dedicated BDM.
Find out more
Buy to Let …
We’re Back!
Pepper Money are delighted to announce that they are back in the Buy to Let market. Pepper have listened to the many requests for a return and through their criteria and awardwinning service, they can, once again, support customers and landlords who fall just off the high street.
You’ll receive the same leading service you’ve come to love from Pepper on your Buy to Let applications.
A lot has changed since Pepper were last here in 2022. In respect of their new range here’s all you need to know:
Properties with EPC ratings of A-E accepted
A-C: up to 80% LTV
D: up to 75% LTV
E: up to 70% LTV
Maximum of 10 properties in the portfolio
Limited Company Buy to Let: Rent calculated at 125% of pay rate on 5-year fixed products
Personal Buy to Let: 125% of payrate on 5-year fixed for standard rate taxpayers, 140% for higher rate and 165% for additional rate taxpayers
Bank statements or business bank statements are not required. We’ll focus on the income receivable from the property as assessed by a RICS surveyor.
No proof of income required
No minimum income
Pepper Money will be adding even more to their Buy to Let proposition soon, so keep your eyes peeled over the coming weeks.