Conference

The Specialist Lending Event 2025

2025 Highlights

Sponsors

Affirmative Website

Affirmative is a mainstay lender based in Manchester offering development and bridging finance, throughout England, Scotland and Wales.

We have been trading since 2004 and on panel with all the major mortgage networks, clubs & packagers. We are also patrons of the NACFB and a member of the ASTL.

We lend our own monies and will look at funding cases from £20,000 to £5M

We will lend up to 75% LTV

We will lend on a 1st & 2nd charge basis

We offer both regulated & non-regulated loans

We specialise in regulated self builds, barn conversions, auction purchases, un-mortgageable properties, time-critical completions, challenging planning / legal cases and other short-term solutions.

Lending across the residential, semi-commercial and commercial markets.

Bath Building Society Website

Bath Building Society has a specialist approach to mortgage lending, offering innovative products your customers might find tricky to find elsewhere – specialising in mortgages for first-time buyers, students and older borrowers.

Pop along to the Bath Building Society stand to have a chat about how a spare room can help your customers afford the mortgage they need. The Rent-A-Room (lodger) products can improve affordability up to a maximum of eight times income by using future rental income towards affordability calculations.

A flexible, common-sense approach to underwriting means the lender is willing to consider cases that fall outside of standard criteria. Applications are individually assessed by its underwriting team with no automated credit scoring.

Darlington Intermediaries Website

Darlington Intermediaries is an award-winning lender that understands there is no such thing as a simple mortgage application.

It takes a personal, common sense approach to underwriting and flexible lending criteria. The lender’s team of experts is able to discuss your application, explain its mortgage products or answer any other query.

eConveyancer powered by Smoove Website

eConveyancer, powered by Smoove, is a leading online conveyancing platform dedicated to revolutionising the home moving experience for mortgage intermediaries and their clients.

Its platform connects brokers, lenders, networks, and estate agents with a panel of over 75 quality-assured conveyancing firms, all regulated by the Solicitors Regulation Authority or the Council for Licensed Conveyancers.

With its innovative eConveyancer+ service, it sets new standards in communication and efficiency. Features include:

Meaningful updates every five working days: keeping all parties informed and eliminating unnecessary delays.
Responses to messages within one working day: ensuring prompt communication and reducing the need for chasing updates.
Timely milestone tracking: providing transparency and confidence throughout the conveyancing process.

eConveyancer’s seamless integration with mortgage and CRM systems streamlines workflows, allowing intermediaries to focus on delivering exceptional service. By choosing eConveyancer, you’re partnering with a platform committed to enhancing efficiency, transparency, and client satisfaction in every property transaction.

Interbay Website

As experts in delivering bespoke broker solutions, InterBay specialises in commercial, semi-commercial, buy-to-let and bridging.

It looks to say ‘yes’ to complex cases, using a wealth of knowledge and an experienced manual underwriting team to find the right solutions for you.

Underwriters work together with other in-house teams – including national specialist finance account managers, real estate and completions – to build long-lasting relationships with brokers and partner with them on their high-value, challenging cases.

InterBay, along with Precise and Kent Reliance for Intermediaries, is a specialist lending brand of OSB GROUP PLC.

Legal & General Website

Legal & General Mortgage Club is the largest and longest-running mortgage club in the UK.

Now in its 30th year, it is proud to be involved in nearly one in four of all mortgages and one in three of all intermediated mortgages, completing over £110.9bn of lending in 2024 alone (and over £1.1trillion of mortgages since 1995).

L&G Mortgage Club prides itself on providing value to members, always working closely with new and existing partners to deliver great products, pricing and services.

The club remains a completely free service, providing a smooth and fast payment route, excellent service and support, and access to first-class technology. It still the only mortgage club to provide payment in advance.

It has launched Referral Pro which allows advisers to earn commission by referring clients across several specialities including bridging finance, self-build mortgages later life lending, overseas mortgages, commercial finance and much more.

L&G works closely with lenders to offer exclusive products, as well as expanding its lender panel to offer more choice. Members also have free access to its whole-of-market research and sourcing system, Ignite, which is designed to help brokers quickly produce lender and product recommendations for their clients. The platform brings together criteria, an affordability calculator, product sourcing and a property check tool.

Market Financial Solutions Website

Market Financial Solutions is an award-winning specialist finance lender, with over 18 years’ industry experience. It offers specialist residential buy-to-let and commercial and semi-commercial term buy-to-let mortgage products. Furthermore, it provides bespoke bridging loans, and a hybrid bridging-buy-to-let product called Bridge Fusion.

Focusing on providing brokers with speed and flexibility, every enquiry receives a response within four hours, and the team of BDMs is always happy to arrange meetings across the UK. The lender can provide loans as large as £50m in as little as three days for property investors purchasing in England or Wales.

MFS works alongside brokers, taking on all the heavy lifting, and underwrites loans from day one to find the best solution for the borrower. With no tick-box criteria, it looks for reasons to lend, so you can move forward with your client’s case, confidently.

The lender’s expertise, teamwork, and around-the-clock service help it to deliver a bespoke service with a common-sense approach, no matter the complexity.

Pepper Money Website

Pepper Money is a broad specialist lender. It exists to help people succeed. Championing individuality. Embracing difference. Acting responsibly. And looking for opportunities to say yes, rather than reasons to say no.

Pepper understands that brokers have a wide range of needs, because their customers do, too. These clients may want to take the next step in their homeowning journey – or move on from a difficult financial situation. Brokers want to give them the best service, in the most efficient and profitable ways.

The lender’s aim is to help both parties fulfil their ambitions by offering simple, inclusive products. Broad criteria. Competitive pricing and a positive lending attitude – so brokers are able to help more of their customers. Taking a human approach to decision-making. So fairer – often more generous – lending decisions are reached, because it considers people, not credit scores.

Being easy to work with, through direct access to a decision maker.

And providing specialist expertise that can be relied on in a rapidly evolving marketplace.

When you keep an open mind and listen to people, everyone succeeds. That’s Pepper Money.

Precise Website

Precise believes lending shouldn’t be complicated, so it cuts the faff and get straight to the point.

Whether it’s a residential or buy-to-let mortgage, or bridging finance, the lender helps people when they need it through its nationwide intermediary base.

Precise doesn’t think that underserved customers should be shunned by circumstance or complicated criteria. That’s why it has kept its process simple to give you a ‘yes’ or a ‘no’ quickly and with as little fuss as possible.

It’s why the lender has won so many awards recently, and it’s pretty proud of them.

So, what are you waiting for? Get in touch with Precise today.

Precise, along with Kent Reliance for Intermediaries and InterBay, is a specialist lending brand of OSB GROUP PLC.

Quantum Mortgages Website

The Quantum Mortgages team understands the world of buy to let better than most. The senior leadership team has been working with intermediaries for virtually their entire careers. This understanding of the needs of landlords and intermediaries has led to the creation of a thoroughly unique proposition.

As most lenders continue to chase the technology dream of automation, Quantum Mortgages is more concerned with offering greater product choice to landlords and mortgage intermediaries, as well as more useful and modern lending criteria and the ability to listen to and understand individual circumstances.

By combining technology with skilled human underwriting, the lender’s unique underwriting model provides intermediary partners with a seamless, paperless, and hassle-free application process – utilising tech to help humans make common-sense rational lending decisions .

Eager to cause further disruption to the specialist lending space, Quantum Mortgages’ latest proposition is bridging finance. The goal is to be a leading provider of bridging finance solutions, offering flexible and tailored options to meet the diverse needs of property investors.

Saffron for Intermediaries Website

Saffron is not your typical lender. Where others shy away from cases that are a little out of the ordinary, it embraces them, looking for the right solutions for your clients. It wants to empower you to build your business to new heights by enabling you to help complex clients.

Saffron wants to keep challenging the market norms for criteria, pushing the boundaries, to develop products that truly deliver. As MoneyAge Mortgage Provider of the Year 2024, its understanding of complex needs in the market shows through its adaptable criteria, large loan sizes and case-by-case approach.

The Brightstar Group Website

The Brightstar Group comprises of Brightstar Financial, the UK’s leading specialist lending distributor, which helps brokers grow their business by providing the knowledge and resources needed to diversify into new lending areas. It works with more than 75% of the UK intermediary market and has originated more than £5billion of specialist lending debt.

Sirius Finance was launched in 2018 and has successfully traded from its expanded London offices in recent years to become one of the most recognised brands in the property finance sector. Sirius offers client-facing specialist property debt advisory service for commercial, investment, development, and residential property finance transactions. It gets to the heart of the borrower’s aspirations and the lender’s requirements before constructing a partnership to best realise the client’s goals.

The business has also won more than 140 national awards, including Sunday Times Best Small Company to Work for 2019 and 2020 and Global Investors In People Gold.

Together Website

For over 50 years, Together has helped thousands of people, business and

professionals unlock their property ambitions with its common-sense approach to lending.

The lender takes the time to understand its customers and find a property finance solution that works for them. Its door is always open, so it can often help when other lenders can’t or won’t.

Together’s large product suite of mortgages and secured loans gives it the flexibility to help in a wide range of specialist lending scenarios; including residential mortgages, short-term finance, buy-to-let, auction finance, development funding, and commercial and semi-commercial mortgages and loans.

Based in Cheadle, Cheshire, its 800 colleagues use their expertise and industry knowledge to help Together’s customers throughout the UK, backed by the power of a £7.6 billion loan book.

United Trust Bank Website

United Trust Bank (UTB) is an expanding specialist bank providing a wide range of secured funding facilities for individuals and businesses and deposit accounts for individuals, businesses and charities.

The Bank has dedicated divisions providing development finance, bridging finance, structured finance, asset finance and specialist mortgages, including residential, buy-to-let and second charge mortgages.

West One Website

The home of specialist lending, delivering seamless specialist lending solutions.

As one of the largest non-bank specialist lenders in the market, West One is proud to be able to offer a comprehensive range of specialist lending products.

It offers residential, second charge, buy-to-let, bridging and development finance, with a comprehensive range of mortgage products for borrowers who are unable to obtain a high street mortgage.

Such borrowers often have more complex circumstances and could be rejected by other lenders. But they are more likely to be accepted by West One because of its personal approach to underwriting and willingness to understand their circumstances.

The lender helps homemovers, first-time buyers and those looking to remortgage their existing home to improve their mortgage terms or raise capital for almost any legal purpose. Its borrowers’ needs are often underserved by the high street, such as self-employed and older applicants.

West One understands that life is not always straightforward, which means it can consider applications from customers who have less than a perfect credit score.

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