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Referring is easy, simply visit the link HERE.
Adviserswillreceive75%ofanyreferralcommissionreceived.The averagepaymenttodatebeingover£80totheadvisor!
You’llneedtoprovidejustafewdetailsaboutyourclientandthenviathe livecalendartool,youhavetheoptiontobookanappointmentatatime anddatethat’sconvenientforyourclient.
Co-opLegalServiceswillprovidetransparent,fixedfeepricing,andall quotesareprovidedonanoobligationbasis.
JustMortgagesareonceagainrenewingourannualsubscriptionwithCIExpert.We wrotetoyouinAugustaboutthisservice,buttodayisnowyourlastchancetograb ahugesavingforthisyear.
CIExpertisathirdpartywebsiteprovidingameansofaccuratelycomparingone Criticalillnessplanwithanother.
ForfurtherdetailsontheserviceprovidedpleaseclickonthefollowinglinkHere.
Lastyearwehadover50Advisersubscribers,whosefeedbacknotedthatCIExpert helpedtomakecomplianceofCriticalIllnessreplacementpoliciesmucheasierand thatithelpedtheirbusinessesgeneratemoresales!
Therewillbenoincreasetoyoursubscriptionthisyearmakingasavingofover 50%comparedtosubscribingdirectlywithCIExpert.
JoinHSBCfortheirlatestCybercrimeawarenesswebinars
JoinHSBCUK’sSeniorCorporateAccountManager,TracieBurton,asshehostsa panelofHSBCcybersecurityexperts,whowillbeexploringthelatestcyberthreats targetingthemortgageindustryanddiscussingstrategiesformitigatingrisk. Theexpertpanelbringawealthofknowledgeandexperience,andinclude:
J.R.Manes,GlobalHeadofCyberIntelligenceandThreatAnalysis(formerF.B.I. agent)
LucieUsher,LeadStrategicCyberIntelligenceAnalyst(formerMetropolitanPolice andNationalCrimeAgency)
TimKolk,HeadofStrategicCyberIntelligence(formerF.B.I.agent).
Thesewebinarsaimtoequipmortgageprofessionalswiththeknowledgeandtools neededtostayaheadofcyberthreatsandhelpprotectyourbusinessfromfinancial andreputationaldamage.
TopicsHSBCwillbecoveringinclude:
Whatiscybercrime
Emergingthreatsandtrendsincybercrime
Bestpracticesforprotectingsensitivecustomerdata
Real-worldcasestudiesandlessonslearned
Implementingeffectivecybersecuritymeasures tosafeguardyourorganisation
Whattodoifyoufallvictim.
Monday15thSeptember–11:00am-12:00pm
Friday19 September2025 -11:00am-12:00pm
The Mortgage Lender removes valuation fees
TheMortga valuationfeeswhilstatthesametime reducingrates:
Selected2-yearand5-yearfixedrate productshavebeenreducedbyupto0.5% Ratesstartfrom3.49%forstandard propertiesand3.89%forHMOandMUB. TMLisnowofferingfreevaluationsonallofits BuytoLetproducts
TodiscusshowTMLmaybeabletohelpyour clients,callthemon03442570418.
Product Guide
Pepper Money: Helping customers beyond the High Street
Missed Payments
PepperMoneycanhelpclientsthat needalenderbeyondtheHigh Street.TakealookatPepper Money’slatestcasestudy,which looksatarecentcasewherethe client’screditscoreshadtakenahit duetopreviousunsecuredcredit balancesandmissedpayments.
Afterthreeyearsoflivingwith Jasmine’sparents,PaulandJasmine wereeagertotakethenextstepinto homeownership.However,savingfor ahomehasbeenfraughtwith challenges.Overthepastfewyears, unexpectedexpenses,suchasrising utilitybillsandcartroubles,have madeitincreasinglydifficulttosave forahome.Tospreadtheircosts, theyturnedtoBuyNowPayLater schemesbutultimatelystruggled withmissedpayments.
PaulandJasminequalifiedforthe Pepper48LightproductatPepper Money’smostcompetitiverate.
KeyCriteria
Pepperdon'tcreditscore
Unsecuredcreditneveraffectstheproduct tier
Nodebt-to-incomeratio
Upto100%ofvariableincome,suchas monthlycommission,carallowanceand bonusesacceptedforaffordability AdditionalincomefromUniversalCreditand DisabilityLivingAllowancesaccepted Oneyear’sself-employedtradingaccepted Latestyearusedforaffordabilitywhen tradingfortwoyearsormore 90%LTVavailable Workingvisaincomeaccepted
Pepperservice
Nopainstakingpaperwork
Directaccesstounderwriters. Lesstime-consumingprocess Humanapproachtounderwritingonall cases
Residentialproductguide
Residentialcriteriaguide
BuytoLetproductguide
BuytoLetcriteriaguide
Santander make foreign currency income and proof of deposit changes
Asaresponsiblelender,we’recommitted tomeetingouranti-moneylaundering obligations.Todothis,weregularly reviewthelistofcountriesand jurisdictionsfromwhereweacceptreign currencyincomeanddepositfundsfor mortgageapplications.
Foreigncurrencyincome
Wenowacceptresidentialapplications whereanyelementofemployedincomeis paidinUAEDirham(AED).
Proofofdeposit
WecannowacceptresidentialorBuyto Letapplicationswhereyourclient’s mortgagedepositfundsoriginatefrom thecountries/jurisdictionsbelow(this includesgifteddepositapplications): Barbados
Pleasenotetheabove countries/jurisdictionsareinadditionto thosewecurrentlyaccept.
Furtherinformation
You’llfindthefulllistofcountrieswedon’t acceptdepositsoranyotherhelpwith purchasecostsfrominourEvidence requirementsguide
Reducing turnaround times by streamlining requests for medical information with iGPR
TheExeterissuemedicalreportrequests electronicallytoGPsurgeriesusingthe iGPRsystem,reducingtheneedfor time-consumingpaperhandlingand minimisingtheriskoflostdocuments andhumanerror.Andbecausereports willbeencryptedandtransmitted securelyinlinewithNHSstandards,your clients’privacyisprotectedatevery stage.
You llnowbeabletotrackthestatusof medicalreportsandhavegreater visibilityoncompletiontimes throughouttheapplicationjourney becauseTheExeterhasintegrated theironlineportalwithiGPR’sdigital platform
The Exeter’s dedicated Account Managers are on hand and excited to work with you, providing expert product insights and helping you uncover opportunities to drive your protection success Find your Account Manager here or email on salessupport@the-exetercom
LendersarecuttingmortgageratesinresponsetotheAugustinterestratecut. HSBCslashedratesacrossvariousresidential,buy-to-let,andenergy-efficient mortgageproducts,affectingtwo-andfive-yearfixeddealsatmultipleloan-tovaluetiers.AccordingtoMoneyfacts,averagetwo-yearfixedmortgageratesfell toanearthree-yearlow,whiletypicalfive-yearfixedratesreachedtheircheapest levelsinovertwoyears,bothstandingatroughly5.01%atthestartofAugust.
Despitethesedownwardshifts,thebroaderoutlookforinterestratesremains cautious.MarketexpectationsnowsuggestfewerornofurtherBankofEngland base-ratecutsin2025,withmorelikelytocomein2026.
Meanwhile,themortgagelandscapeshowsmixedfortunes TheBankof England’sFinancialStabilityReportprojectsthataround3.6millionhomeowners, approximately41%ofborrowerswillfacerisingmortgagepaymentsaveraging £107permonthastheytransitionfromolder,lower-ratedeals.Ontheflipside, some2.5millionhouseholdsmayseetheirpaymentsdecline.Relaxedlending rulespermittinggreaterhighloan-to-incomeborrowingcouldsupportupto
