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What To Expect - Session Breakdown

Association of Mortgage Intermediaries (AMI) Association of Mortgage Intermediaries (AMI)

In this session, Robert Sinclair will discuss the current FCA journey into the connected areas of:

  • Diversity and Inclusion
  • Consumer Duty
  • Vulnerability
  • Fair Value

He will also provide updates on the more topical AMI work on 'The Cheapest Rule', Data Subject Access Requests (DSAR), and legal cases on historic interest-only mortgage advice.

Learning Outcomes

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

  • List the recent FCA consultations on the above
  • Identify the implication for them as firms in relation to record-keeping, reporting and systems, and controls
  • Specify how to deal appropriately with the latest addition to the FCA suitability rules

Buckinghamshire Building Society Buckinghamshire Building Society

Buckinghamshire Building Society are delighted to be joining you at this year's Mortgage Vision events. We will share with you how our common-sense approach to lending and using affordability, not income multiples, can help you find the best outcome for your clients.

Learning Outcomes

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

  • Summarise the changing needs of the first time buyer market and the opportunity with inter-generational mortgage products.
  • Identify how to get an initial buy-to-let lending decision more quickly and easily. By adopting a simplified buy-to-let process and affordability calculator, this can give your landlord clients more clarity and certainty.
  • Establish ways in which you can ensure all cases are submitted fully packaged and ready for underwriting, to make the process as smooth as possible.

Coventry for Intermediaries Coventry for Intermediaries

This session, hosted by Coventry for Intermediaries, will look at the opportunities for brokers to prosper in 2022 and beyond. They will share thoughts on the differentiators that could help promote the value of advice and an intermediary's important role in ensuring customers get good outcomes.

They will cover key changes to their proposition over the last year across their proposition on residential, buy-to-let and product transfers.

Learning Outcomes

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

  • Produce best practices when placing cases in the current climate and understand more about areas such as Interest Only and Offset mortgages
  • Identify the different ways to help you write more business, other than price and targeting certain customer types
  • Summarise the recent market trends that can help to maximise client opportunities for the remainder of 2021 and beyond

The Family Building Society The Family Building Society

In this session, Family Building Society will look at later life lending and how they can help clients utilise their pensions, SIPP's, SAS's and Investments to increase their borrowing ability. This may be to move home, carry out home improvements, or remain in their current home amongst other scenarios. Discover how The Family Building Society can provide an alternative to equity release.

Learning Outcomes

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

  • Have a deeper understanding of the later life lending market and summarise the different opportunities available
  • Identify the various types of investment and their impact on borrowing ability for older clients
  • List the alternative solutions to offer clients outside of equity release

Fluent for Advisers Fluent for Advisers

Whilst Fluent has always been recognised as a second charge specialist, its organic growth now sees Fluent as a one-stop-shop for your second, mortgage, lifetime, and now bridging enquiries.

We will focus on the positive changes made by our lenders to improve the process.

Learning Outcomes

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

  • Identify a potential secured loan
  • The benefits for your client – and you
  • How easy it is to refer an enquiry

Hodge Bank Hodge Bank

Hodge's presentation at the Mortgage Vision events will focus on both the later-life and holiday let markets.

The later life section of the presentation will cover the growth of the later-life market, client profiles, opportunities, and drivers. The holiday let section will cover current market demand, staycations by type, and what's available to clients.

Learning Outcomes

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

  • Learn about what's driving the later life market, demographics, opportunities, and clients' needs.
  • Understand what options are available for clients looking to secure a mortgage into later-life
  • Learn about the variety of staycations considered and flexible options available to clients looking to secure a holiday let mortgage.

Leeds Building Society Leeds Building Society

As a mutual, going above and beyond conventional lending, Leeds Building Society are constantly evolving and understand that one size doesn’t fit all and that's why they have a diverse range of mortgage products which cover a variety of customer requirements.

Leeds work side by side with their brokers & administrators to ensure their technology is supported by teams of Business Development Managers, experienced Underwriters and a dedicated Service Desk - all with a helpful and friendly approach.

Learning Outcomes

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

  • Identify how technology can save time and effort in application submission processes by adopting the use of self-serve functions
  • List the new criteria and product improvements that will enable new customers to be served through the use of green mortgages and holiday let
  • Find out more about the key product segments and how these can help place more business

Mortgage Brain Mortgage Brain

Mortgage Brain's sessions will look at how you can make your advice process more efficient, so you can save time and continue to do what you do best - give mortgage advice to people during some of the biggest moments of their lives.

Mortgage Brain will cover how advisers are increasingly having to take on complex cases to service their customers, find new business, and how that can come at a cost with regards to time spent on manual processes.

You will also find out more about how an ever-growing demand for technologically advanced solutions from advisers and consumers, is driving change, and serving as a catalyst for innovation throughout the entire mortgage value chain.

Learning Outcomes

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

  • Summarise how the habits and trends of consumers and advisers have evolved in recent years
  • Identify the ways in which technology can be used to enhance your existing end-to-end mortgage process
  • Explain the role of technology plays in the future of the intermediary market

OneSavings Bank OneSavings Bank

OneSavings Bank Group will be delivering a presentation on behalf of the Kent Reliance, Precise and InterBay which will focus on the current climate in the mortgage market following the pandemic and what the future looks like. We will discuss what's happening to the economy right now and how this directly affects us in the industry. We will also look at the value of the broker and how you can help more of your clients as the market leans towards specialist lending.

Learning Outcomes

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

  • Describe the potential future shape of the wider UK economy
  • Identify the impact of wider economic trends on the UK mortgage market
  • Summarise how that translates to changing borrower needs and how advisers can help meet those needs

Precise Mortgages & Kent Reliance for Intermediaries Precise Mortgages Kent Reliance for Intermediaries

After this presentation, you will understand all the brands that make up OneSavings Bank and how each one can help you with different aspects of the specialist market. With the demands and needs of the consumer ever-changing, it's important to understand the specialist mortgages available in the market and how Kent Reliance and/or Precise can provide products and services to suit your client.

Learning Outcomes

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

  • List the different sub-sectors within the specialist mortgage market
  • Identify how borrower demand is likely to change within those sub-sectors
  • Know where to look to find the solutions to meet these changing mortgage borrower needs

Royal London Royal London

The number of renters has doubled in the last ten years and by 2025 it's expected that 50% of adults under the age of 40 will be renting privately. With rent costs higher than mortgage costs, it may be more difficult for renters to save enough to cover emergencies. And with little or no access to advice, renters could be missing out on protecting their income and lifestyle.

There is a huge opportunity here to grow your business by gaining access to a new client base whilst helping to close the protection gap and creating better customer outcomes. And as most renters aspire to buy their own homes, you’re future-proofing your business and adding further opportunities to help flex their protection to suit their needs.

Join our round table session to find out more about the potential opportunities for you and your business, and how Royal London can help support you.

Learning Outcomes

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

  • Have a good understanding of the rental market and identify the opportunities available
  • Define how to approach and engage with renters
  • Summarise how Royal London can support your conversations

Santander for Intermediaries Santander for Intermediaries

Santander for Intermediaries are looking forward to attending this year’s Mortgage Vision events. We will share with you the latest updates and case packaging tips for all of your self-employed applications.

Learning Outcomes

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

  • Have an understanding of our Covid-19 definition for adversely affected self-employed applicants
  • Outline our standard evidence requirements
  • Summarise the importance of using our self-employed tools such as packaging guides, income eligibility checker and our affordability calculator to ensure all cases are fully packaged and ready for underwriting

Skipton Building Society for Intermediaries Skipton Building Society for Intermediaries

Skipton Building Society for Intermediaries is delighted to be presenting at this year's Mortgage Vision events; during our sessions, we will be sharing the investment in technology we have made over the last 12 months to enhance our aim of 'Making things easier for you'. We will also be providing a bespoke criteria update based on local trends and hot topics that are particular to that venue.

Learning Outcomes

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

  • Identify how to get the most from Skipton's broker tools and support teams
  • Summarise the key proposition changes and common sense approach to lending following lockdown
  • Describe how our use of technology and human touch will make things easier for you and provide better outcomes for your clients

Vida Homeloans Vida Homeloans

This presentation will delve into what’s in store for the buy-to-let market and how that will create opportunities for intermediaries for the remainder of 2021, and beyond. Including the changing landscape for landlords, the resilience of the BTL market, what we can expect over the next 18 months and the rise of specialist BTL, and the opportunities this brings to advisers.

Learning Outcomes

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

  • Summarise forecast changes and developments in the UK buy-to-let market
  • Identify the growing specialist sub-sectors of buy-to-let
  • Prepare to better cater for landlords in these specialist sectors

There will also be insightful roundtable session from Leeds Building Society.

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