Accord Mortgages is a dedicated intermediary -only lender and part of Yorkshire Building Society Group.

We’re more than just a provider of residential and buy to let mortgages. We’re a lender who listened to broker feedback and changed. Changes which were motivated by a genuine desire to understand and act on what brokers want. So, if you’ve not worked with us for a while, or ever, you might be pleasantly surprised at how much Accord can offer:-

• Common sense lending
• Direct access to underwriters
• Expert BDMs and TBDMs & Dedicated Broker Support
• Competitive product range, including New Build and Offset.
• And much more…

Accord exists to help brokers look after what matters most, their clients.

Over the last 27 years, Alexander Hall Associates has helped thousands of clients purchase properties by removing the stress of finding the right mortgage. With direct access to a wide range of lenders, plus exclusive deals, they are well placed to find the right deal to suit the client’s requirements. Alexander Hall has developed into one of the top mortgage brokers in the UK, with its Head Office in Holborn and offices across Central London.

We aim to be the best partner for intermediaries in the mortgage market and we want you to judge us by our actions. You know the mortgage market better than anyone, and we promise to continue listening to your expert feedback.

Recently, we’ve:

• Improved our bonus and affordability allowances and reduced our income multiples several times so clients earning £30k can now access our 5 x income multiples
• Expanded our intermediary support team, and launched a specialist team to support new-build business
• Simplified our process for extending a new-build offer
• Introduced a 0.3% proc fee for further advances, and continued to offer exclusive rates for existing customers though our Reward range

See for yourself at barclays.co.uk/intermediaries

Auxilium Partnership was founded in 2018 as the first partnership dedicated to protection distribution through mortgage firms.

With a unique focus on improving the protection sale through the training and development of mortgage advisers, Auxilium aims to use its methodology to bring real growth to the protection market.

Auxilium Partnership is focused solely on supporting firms and advisers to develop a culture where the protection advice customers receive is every bit as thorough as their mortgage recommendations.

BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.

We’re committed to supporting you and your clients through our experienced team of BDMs.  We have a great team of industry experts, working together to make sure our service and products are always ahead of the market.

Our award-winning five-star service comes as standard but it doesn’t take things for granted.  We’re continually refining our products and criteria to suit your needs, so that you have all you need to do business with BM Solutions.

Countrywide is a leading provider of surveying, conveyancing and asset management services, residential and commercial development, and consultancy and property auctions. As the UK's largest integrated property services Group we serve most major lenders, investors, house builders, commercial businesses, corporations, local authorities and housing associations. Countrywide’s network of expertise combining national scale and local reach helps more people move than any other business in the UK.

Digital Mortgages is the part of Atom bank created just for intermediaries and Atom bank is the UK’s very first bank built exclusively for mobile.https://residential.digitalmortgages.net/

It’s app-based, which means it’s not splashing out on high street branches. Low costs mean better rates for mortgage customers.

It has created a transparent and low-cost way of tracking and servicing a mortgage with its customer app. The first of its kind in the UK for a mainstream residential lender.

Halifax wants to make life as easy as we can for intermediaries. That’s why we’re committed to providing and delivering excellent products and service to you and your clients.

Our product proposition includes home movers, remortgages, large loans, new build, first time buyers and affordable housing.

You can also secure a great new deal for your existing Halifax clients and retain their business with Halifax Product Transfers and Further Advances.

It’s easier to do business with Halifax Intermediaries.

Market Harborough Building Society has been providing savings and mortgages for nearly 150 years, keeping members and communities at its heart.

We use our expertise to think outside the box, working with you to find the right mortgage solutions for your customers with complex circumstances. Our vast number of product combinations can be tailored to each case, providing the right mortgage for expats, older or multiple borrowers, those with multiple income sources, those buying out of the ordinary properties and many more.

Our simple, personal approach means we provide access to our experts, including always giving a dedicated contact, and we never rely on automated decisions.

Established in 1865, HSBC has become one of the world’s leading international banks, whilst remaining deeply rooted in the UK.

For over 150 years, we have connected customers to opportunities, enabling businesses to thrive and economies to prosper as well as continuing to invest in growth and innovation to make banking simple, safe and sustainable.

In 2015, the HSBC Group announced it would establish its HSBC UK head office in Birmingham. HSBC UK was created as a separate ring-fenced bank in response to the Financial Services (Banking Reform) Act 2013.

HSBC continues to be recognised as a global leader in mortgages and the bank is committed to helping customers all over the world realise their ambitions to own their own property.

The UK mortgage market has undergone an unprecedented amount of change in recent years, but brokers continue to be integral to it, providing a valuable service to home buyers and re-mortgagers alike.

HSBC entered into the UK mortgage intermediary market in 2015, which has since led to the bank investing in a new online mortgage platform, simplifying and streamlining the end-to-end journey for our Intermediary partners.

With this broker platform providing greater automation and a distribution function consisting of experienced field-based Business Development Managers and a UK-based telephony Broker Support Team, we are committed to making our products available through our customers’ preferred channel of choice.

HSBC UK for Intermediaries offers the flexibility and functionality needed to provide a high quality service to our Intermediary partners and their clients.

L&C Mortgages is the UK’s leading fee free broker, providing mortgage and protection advice 7 days a week from offices in Bath, Newcastle upon Tyne and London. Over 2 million people have already come to L&C, online and over the phone, for expert mortgage advice backed up with exceptional customer service. We continue to expand capacity to meet the growing demand from homebuyers and homeowners keen to get best value for their mortgage.

Legal & General Insurance Intermediary

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Legal & General Mortgage Club

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Legal & General Surveying Services

Legal & General Surveying Services is recognised as being at the pinnacle of thought leadership, whilst at the same time an established and experienced risk partner of choice for C80% of the top 10 UK lenders. We are considered to be the benchmark of excellence, constantly delivering market changing solutions across the industry and are highly regarded as an innovator who sets the pace and raises the bar for the reimagining of the customer and client experience.

As one of the UK’s leading broker networks, Mortgage Advice Bureau has over 1,000 advisers, offering expert mortgage and protection advice on a local and national level.

Winning over 70 national awards during the last five years, Mortgage Advice Bureau handles over £12bn of loans annually, and was the first – and currently the only – mortgage intermediary to have floated on the London Stock Exchange, having joined the Alternative Investment Market (AIM) in November 2014.

With the markets only proven end-to-end process solution, Mortgage Brain offers a fully integrated product range of innovative systems. These include mortgage sourcing (first and second charge), conveyancing sourcing and case tracking, multi-lender mortgage submission, CRM with a Client Portal, plus APIs, data solutions, websites and lead generation tools, plus now criteria sourcing with the acquisition of Criteria Hub.

Reinvesting 40% of turnover annually into our product development creates regular enhancements to our solutions. Advancements in 2019 will include the delivery of Lendex, the next generation mortgage submission to a minimum of 9 Lenders and the start of the integration of criteria sourcing into our online and offline sourcing system; both enriching the adviser experience and providing greater efficiency.

NatWest’s dedicated intermediary mortgage business offers a range of residential and buy to-let mortgages for mortgage brokers to recommend to their customers including deals for the Help to Buy shared equity scheme. Service is its no.1 priority – that’s why NWIS has a team of over 50 field and phone BDMs covering the UK and a dedicated broker instant messaging service LiveTALK. Its service has been recognised by the industry, and was awarded a five-star rating at the Financial Adviser Service Awards 2018, as well as winning the Overall Best Lender for Service award.

The Openwork Group is one of the largest and longest-established financial advice networks in the UK. It started operating as Openwork name in 2005, but has been active in the financial advice market for over 45 years. Over 3,500 financial advisers and 500 staff are at the heart of the business offering a range of support to financial advice firms, financial advisers and customers. Backed by a strong shareholder base and a rich history, Openwork has developed the knowledge and experience to deliver a top-quality home for customer-focused advisers and financial professionals.

A core part of Openwork’s philosophy is giving back to the communities in which it operates and is responsible for the day-to-day running and fundraising of The Openwork Foundation, part of Zurich Community Trust (UK) Limited. Since Openwork’s launch in 2005, staff and advisers have raised more than £6.8m for disadvantaged children, both in the UK and abroad.

Paradigm Mortgage Services launched in September 2007 and currently has a membership of over 1,290 directly authorised firms. We are now established as one of the UK's leading Mortgage Distributor businesses and provide intermediaries with access to over 70 lenders and providers covering the whole of market, together with a full range of mortgage related support services including equity release, protection and general insurance. We offer advisers a far more personal and bespoke experience than other mortgage clubs, by focusing on quality, challenging existing value chain dynamics, and inspiring a new style of relationship between intermediaries, distributors, Lenders and Providers. To reward loyalty, we offer a completely unique, transparent profit share scheme which allows advisers to earn more per case. We also have a highly commended Mortgage Helpdesk team and are the only distributor to offer a Protection helpdesk service too.

We are an operating division of Tatton Asset Management plc, which successfully floated on the AIM of the London Stock Exchange in July 2017.

Paragon is a specialist provider of buy-to-let mortgages, delivering lending solutions designed for professional landlords with more complex requirements. These include lending to limited companies as well as private individuals, lending on more complex property including HMOs and multi-unit blocks, higher aggregate lending limits and the ability to accommodate more complex letting arrangements including local authority leases and corporate leases along with standard ASTs.

Paragon has worked with intermediaries in the private rented sector for over 20 years.

It has built a wealth of experience in meeting the needs of both portfolio and non-portfolio landlords, whether they’re individuals, limited companies or limited liability partnerships.

Pepper Money is an award-winning lender with an appetite for the interesting, offering residential and buy-to-let mortgages exclusively through intermediaries.

It helps clients who are often underserved by the high street banks – the self-employed, those with credit blips, complex income, young credit history, or previous financial difficulties.

To Pepper Money, it’s all interesting.

@PepperMoneyUK

Post Office Money® and Bank of Ireland UK have been working in partnership for over 10 years. In 2014 we launched Post Office for Intermediaries, specialising in Residential and Buy to Let mortgages, delivered through a recognised and trusted brand.

The bank believes that excellent and consistent service is important. Together, we’re able to offer a broad range of products through an award-winning application system, allowing you to securely upload documents and communicate directly with your underwriter. This is backed up by industry expertise and support from its experienced telephone and field-based account managers.

Precise Mortgages, the specialist lender you can bank on, delivers innovative residential, buy-to-let, bridging and second charge loans, available solely through a nationwide intermediary base. Its mission is to broaden the criteria for mortgage and loan approval to support homeowning aspirations and buy-to-let entrepreneurialism. Its award-winning, technology-driven underwriting and credit risk management processes mean Precise Mortgages can be more expansive in its mortgage and loan approvals – serving those underserved by mainstream lenders.

SPF Private Clients - established in London in 1997 – is recognised as one of the UK’s leading mortgage brokerages. Our clients range from first-time buyers right through to successful property developers. Specialising in funding for high value property and complex scenarios, we have access to a wide range of mortgage options, including exclusive rates and bespoke arrangements. Over the years we have established strong relationships with the retail lenders and Private Banks, giving us access to the key decision makers. We pride ourselves on providing an all round professional and personal service. Although mortgage finance is at the core of our business, we also take care of our clients' wealth management and insurance requirements.

Tenet Lime is one of the UK’s largest and most financially strong mortgage and protection support networks. Our members get access to a vast array of award-winning services, including quality compliance support and market-leading mortgage and protection panels, as well as added value services such as adviser recruitment and marketing. But it’s not just what we do that stands us out from the crowd, it’s how we do it. You see, we genuinely care about our members and go the extra mile to make a positive difference to their business.

Virgin Money’s business ambition is to make “everyone better off”. This philosophy underpins our approach to business by offering good value to customers, treating employees well, making a positive contribution to society and delivering a profit to shareholders. With a powerful brand, strong balance sheet and customer-focused culture, we have created a business which delivers our unique approach to banking and financial services to 3.4 million customers.

Virgin Money offers savings, mortgages, credit cards, current accounts, currency services, pensions, investments and protection products to customers across the UK.

Virgin Money is a wholly-owned subsidiary of CYBG Group.

WHO WE ARE
Vitality is part of the Discovery Group, founded in 1992 and now covering 11.4 million customers¹, across 19 countries worldwide. Vitality’s core purpose is to enhance and protect our members lives, which is why we make it easier and more affordable for our members to get healthier as well as providing them with quality care. We aim to be the best at what we do, offering comprehensive and award-winning Health and Life cover and positively different investments to our members.

• VitalityHealth plans provide start-to-finish private care with private GP video consultations within 48 hours; a choice of consultantsand a Full Cover Promise.
• VitalityLife offers a range of different options to pick from so members get the right amount and type of protection for their needs. Our Life Insurance comes in two forms: Term Life Insuranceor Whole of Life Insurance, and our Serious Illness Cover protects members against more conditions than any other insurer²
• VitalityInvest helps you make the most of the tax-efficient options available, to lay the foundation for your investment portfolios.

WHAT MAKES US DIFFERENT

Everything we do is about making people healthier and enhancing and protecting their lives. It’s why our shared value model underpins the innovation and evolution of all our insurance and wellness offerings in the UK.