Mortgage Vision Learning Objective

Navigating complex income and maximising client affordability

This session will focus on navigating complex income scenarios and maximising client affordability. It will cover taking a holistic view of cases, effectively ringfencing outgoings and identifying opportunities to apply a favourable interpretation of income within lender criteria.

Attendees will gain practical insights to help present stronger cases and improve borrowing outcomes across a range of client situations.

Crafting solutions for customers with challenging credit histories

This session will be split into two parts. The first will explore the types of credit issues that can still be considered for higher LTV cases and first-time buyers. It will highlight where a more flexible approach to underwriting can help place cases that may not fit a high street lender’s standard criteria.

The second part will focus on clients rebuilding after a significant life event, looking at how brokers can support their homeownership journey with practical, realistic lending solutions.

• State of the nation: an overview of current credit trends, customer behaviour and the wider lending landscape shaping today’s mortgage market.
• Low credit scores: these are not always a barrier to high LTV mortgages, particularly where the overall case demonstrates affordability, stability and a clear rationale for the credit profile.
• Supporting clients: Helping those who have experienced a serious life event, including how to present these cases with context, sensitivity and the right supporting information.
• Second chance: why clients affected by difficult circumstances should not automatically be priced out, and how specialist lending can support a sustainable route back to homeownership.

Learning outcomes:

• By the end of the session, delegates will be able to:
  Identify opportunities to help clients whose circumstances fall outside mainstream lending policy, and recognise where a more tailored approach may open up options that high street lenders are unable to support.
• Define the types of clients with credit challenges who are most likely to benefit from flexible underwriting, including how to assess when a case has a strong story despite past adverse credit.
• Apply this understanding to support a broader range of borrowers, including landlords and later life clients, by identifying where specialist criteria and a more individual assessment can provide suitable solutions.

Evolving solutions for an evolving market

This session explores three key areas of the UK mortgage market: first-time buyers, new-build lending and buy-to-let investment. Delegates will review the opportunities, challenges and market dynamics influencing each sector, including affordability considerations, lending criteria, and changing customer needs. The session will examine how advisers can identify appropriate mortgage solutions across a range of client circumstances while navigating current market conditions.

Learning outcomes

By the end of the session, delegates will be able to:

• Identify the key affordability and lending criteria considerations relevant to first-time buyers.
• Describe the lending features and criteria commonly associated with new-build property purchases.
• Explain the principal factors that influence buy-to-let mortgage eligibility, including rental assessment and borrower requirements.

Embracing the distinct needs of intergenerational lending

Learning outcomes:

• Understand the Bank of Family by exploring how intergenerational lending and gifting impact the first-time buyer and later life markets
• Understand lending options for clients with complex income streams (such as pension pots) and those with good payment history but low deposits
• Explore how education paired with broad and flexible criteria can support diverse financial needs.

Navigating buy-to-let in 2026

This session will cover a range of topical issues for your landlord clients. Including:

• Is BTL dead? Market size and the opportunity in front of brokers
• Regulatory changes: Why the Renters Rights Act and Minimum Energy Efficiency Standards could be a good thing – latest position
• Where will the next wave of BTL growth come from? Professional portfolio landlords, limited company, HMOs/MUFBs, refinance and product transfers. Where are the opportunities found?
• Where does Fleet Mortgages fit in, and how can we support?

Learning outcomes:

By the end of the session, delegates will be able to:

• Understand and describe the size and scale of the buy-to-let market opportunity
• Better understand the regulatory landscape within the private rented sector, including the impact of the Renters Rights Act and incoming proposed Minimum Energy Efficiency Standards
• Better understand where and when Fleet Mortgages can provide solutions for landlord clients.

How Fluent can help you with your tricky cases 

• The benefits of using a Packager
• Why Fluent?
• Fluet’s range of services and how we can help your clients
• Our strength particularly in the Second Charge market
• The ease with which brokers can refer cases and the current speed to completion

Learning Outcomes

By the end of the session, delegates will be able to:

• Explain the role of a mortgage packager and identify the types of cases where a packager can add value.
• Assess when second charge lending may be an appropriate solution based on a client’s circumstances and objectives.
• Identify the key considerations when referring specialist cases to support efficient case progression and positive customer outcomes.

Simplified Lending Solutions

Keystone Property Finance is a specialist buy to let lender supporting a wide range of landlord borrowing needs. With expertise in both individual and limited applications, portfolio landlords and higher yielding properties, they offer brokers the best solutions for their landlord clients.

In this session, their experienced Business Development Manager will discuss current market trends, outline Keystone’s key criteria and explore the array of product ranges they offer. 

First-time buyer affordability: opportunities, risks and the role of mortgage intermediaries

The session explains how regulatory flexibility, economic pressure, and lender policy changes affect first-time buyer affordability, highlighting mortgage intermediaries’ role in balancing access, risk, advice quality, documentation, and sustainable homeownership.

Learning Outcomes

By the end of the session, delegates will be able to:

• Explain how regulatory developments, economic conditions and lender policy changes influence first-time buyer affordability.
• Assess affordability challenges faced by first-time buyers and identify appropriate lending approaches based on individual client circumstances.
• Apply best practice when advising first-time buyers to balance affordability, risk and sustainable home ownership while meeting regulatory expectations.

Just-off-high-street customers? Why Pepper Money should be your first choice

Pepper Money will uncover the opportunities of the growing cohort of customers who are just-off-high-street. Credit scoring models of mainstream lenders can often see customers declined, but their journey doesn’t have to stop there. Pepper will uncover the customers you could help by utilising specialist lending, and in turn provide business growth opportunities for you. The lender will break down long-held misconceptions of the market, including how difficult it is (or isn’t) to submit a specialist application, and the breadth of dedicated support available to you.

Learning outcomes:

By the end of the session, delegates will be able to:

• Define the areas of opportunity to embrace and specialise in as we move into a growth period
• Define the breadth of customers who could benefit from specialist lenders, from buy-to-let landlords to first-time buyers
• Understand just how simple using a specialist lender can be for customers who don’t always fit the mould of the high street.

OSB Group

The specialist lending opportunity

In a changing and often challenging mortgage market, OSB presents alternative opportunities to grow and diversify, by making specialist lending the front and centre of your business.

As a leading specialist lender, we aim to provide solutions for complex cases. Our presentation will show talk you through the Precise policy improvements we have made this year which will help you assist more of your clients and introduce you to what is coming down the road. We will also discuss our new buy-to-let lender, RELY, and discuss how our modern approach to buy-to-let lending can benefit your landlords and your business.

By offering a diverse range of award-winning products and dynamic solutions, we can help where other lenders can’t, supporting your customers in getting the loan they need as quickly as possible.

Learning outcomes

Delegates will take away:

• A greater understanding of the sectors within the specialist mortgage market
• The available solutions from OSB group lenders to meet these changing mortgage borrower needs.
• What’s coming down the road for specialist lending within OSB Group.

Helping first-time buyers get on the property ladder

Skipton Building Society has been helping people have their own home since 1853, and as a modern mutual, continues to support intermediaries in finding lending solutions for their clients. First-time buyers are finding it tougher than ever to get on the property ladder, and the lender expects this challenge to increase as customer needs become more complex and the market continues to evolve.

Learning outcomes:

By the end of our session, delegates will:

• Understand the factors that make home buying a challenge for first-time buyers
• Gain an insight into how your region compares with the rest of the UK in affordability challenges for FTBs
• Understand the role Skipton can play in tackling these challenges and how it can work with intermediaries through innovation and collaboration.

Intergenerational Lending

We will investigate the demographic shift as customers are increasingly relying on intergenerational support and specialist lending. We will discuss how manual underwriting can help those who don’t meet the constraints of standard criteria. We’ll analyse the structures of Joint Borrower Sole Proprietor (JBSP) applications to provide solutions to challenges around affordability.

Learning Outcomes:

By the end of the session, delegates will be able to:

• Provide education on current market challenges around affordability.
• Provide solutions with real time case studies on how parents can support children with mortgage affordability.
• Provide solutions with real time case studies on how children can support parents with mortgage affordability.