We look forward to welcoming you to our lender Fayre on Wednesday 2nd April which will be our biggest event ever, with more attendees, more providers and a brilliant venue to host us!
To make your day the best it can be, here are just a couple of things to do:
1) Download our Lender Fayre App – your one stop shop for everything from the agenda to taxi’s:
2) Pre-book to attend our breakout rooms featuring fun and informative sessions from some of our key providers. Either HERE or via the Lender Fayre App.
We can’t wait to welcome you there!
better well-being. Shockingly, 74% of UK adults have felt so stressed at some point in the last year that they felt overwhelmed or unable to cope (Mental Health Foundation). Whether due to work pressures, personal challenges, or unexpected life events, stress affects us all.
Your Wellbeing Programme: Health Assured
We’re proud to partner with Health Assured, providing you valuable FREE confidential support to help you manage stress and other challenges. Their services include:
✔ 24/7 helpline – Immediate support from trained professionals.
✔ Counselling services – Short-term therapy to help with emotional concerns.
✔ Financial & legal guidance – Support on money matters and legal questions.
✔ Well-being resources – Self-help tools, webinars, and more.
How You Can Help Yourself & Others
Stress is a shared experience, but together, we can create a supportive environment. Here’s how:
Look after yourself – Take breaks, get fresh air, and use Wellbeing Assistance Programme resources. Check in on colleagues, friends and family – A simple “How are you?” can make a difference. Encourage conversations – Reduce stigma by talking openly about stress.
Meet Health Assured at the Lender Fayre!
To learn more, visit Health Assured’s stand at the Lender Fayre next week. It’s a great chance to:
✔ Speak directly with representatives.
✔ Discover the full range of well-being services.
✔ Ask questions in a relaxed setting
webinars in March, on Tuesday 25 and Wednesday 26 March.
The sessions are perfect for everyone, from new advisers wanting to understand each provider’s proposition to more experienced advisers looking to keep their knowledge up to date. Each session is just 30 minutes long and qualifies for CPD (Self-serve via insight).
As well as all our protection panel providers, we have sessions from:
Openwork covering sales process top tips and a demo of the updated protection presenter tool
iPipeline covering how to get the best from Solution Builder
Paymentshield covering their GI proposition
Cura looking at how they can help with clients with adverse risks
Usay Compare exploring opportunities in the PMI market and how they can help.
Coop Legal Services explaining their proposition and how they can help clients, starting with a free legal review.
Just use the links below to join or pre-register for the events you want to attend. Where pre-registration is required this is shown in the link:
Tuesday 25 March
Aviva: 25 March 9am (registration required)
Vitality: 25 March 10am (registration required)
MetLife: 25 March 11am
Protection Sales Process Top Tips: 25 March 12pm
Paymentshield: 25 March 1pm
Legal & General: 25 March 2pm (registration required)
Personal Protection Presenter Demonstration: 25 March 3pm (registration required)
Cura: 25 March 4pm
Wednesday 26 March
Zurich: 26 March 9am
iPipeline Solution Builder: 26 March 10am (registration required)
The Exeter: 26 March 11am
Usay Compare: 26 March 12pm
Royal London: 26 March 1pm
LV=: 25 March 2pm (registration required)
Guardian: 26 March 3pm
Coop Legal Services: 26 March 4pm
Zurich Income Protection Improvements Recorded Webinar
To support the recent changes from Zurich, a live webinar was held last week to cover the changes in more detail. If you were unable to join this, you can watch the recording:
Watchrecordinghere
Full details on the recent changes can be found within Zurich’s dedicated Income Protection Page.
Further advances:
minimum loan reduced to £5,000 & non-sterling incomes accepted
What’s new?
Halifax are reducing the minimum further advance loan amount from £10,000 to £5,000 for existing Halifax mortgage customers looking for additional borrowing. This will provide customers with more choices for borrowing smaller amounts and supports customers looking for lower cost retrofit measures to improve the energy efficiency of their property.
Additionally, Halifax will now accept non-sterling income on a further advance application.
Key changes:
• From Monday 17 March, the minimum further advance loan amount is £5,000
• Non-sterling income can be accepted on a further advance, or product transfer application where a full affordability assessment is required. The original mortgage application did not need to include non-sterling income for it to be used on the new application.
Join HSBC for Intermediary Risk - Fraud Masterclasses
HSBC is excited to be bringing you a number of masterclass webinars hosted by HSBC’s Intermediary Risk team.
These bite-size sessions last approximately 15 minutes and will provide a high-level overview on how to prevent mortgage fraud in these key areas - secondary employment, family employment and unconfirmed employment.
HSBC will also be hosting two brand new masterclasses –false documentation and HSBC UK common trends.
To register for any of the webinars, please click on your preferred option(s) below and enter your details. Please note, when registering you will be asked for your Firm name - just key-in HSBC UK.
Once confirmed, please save the invitation to your calendar.
Second employment
Wednesday 26th March – 12:30pm
Family employment
Wednesday 26th March – 09:30am
HSBC UK common trends
Thursday 27th March – 11:00am
False documents
Thursday 27th March – 10:30am
Unconfirmed employment
Thursday 27th March – 11:30am
HSBC has reduced its Product Switch window
HSBC has updated its lending policy to reduce its Product Switch window from 180 days to 90 days. To minimise the impact to your clients, HSBC will be making incremental system reductions on its Broker Platform when keying a Product Switch application to:
150 days from early April
120 days from early May
90 days from early June
If you have any queries regarding HSBC’s product switch process you can use the 'Chat with HSBC' link button below or call the Broker Support Team on 0345 600 5847 (Monday to Friday, 9am to 5pm).
Chat with HSBC
The Mortgage Lender makes Portfolio Landlord processing improvements
The Mortgage Lender (TML) has made improvements to its process for portfolio landlord Buy to Let applications. There’s a new streamlined process for those submitting more than one case, as follows:
Brokers will submit the 1st case to TML providing full documentation and checklist items, this case will be known as the master case
Any subsequent cases submitted within 12 months of the master case going to offer, will be eligible to follow the streamlined Portfolio process and TML will use the documents submitted with the master case to underwrite the new case within the portfolio.
This includes the scenario where a Broker submits 2 or more cases to TML for a new landlord at the same time, TML will internally create a master case.
Any new case will require a new pro forma which will guide the broker on what supporting documents are required for the additional cases.
This will remove the duplication of documents that are required to be submitted within the current process, bringing efficiencies for you.
