Accord Mortgages is a dedicated intermediary only lender and part of Yorkshire Building Society Group. We exist to help brokers look after what matters most, their clients. We’ve adopted something we grandly call ‘Principle Based Lending’ or to put it another way ‘good old common sense lending’. In other words we’ll try and find a way to lend.
You might be pleasantly surprised at how much Accord can offer:
- Direct access to underwriters.
- Expert BDMs and TBDMs & Dedicated Broker Support
- Competitive product range, including New Build and Offset
- Product transfers online - it’s a quick and simple application process.
- Buy to let lending to Consumer BTL, first time & portfolio landlords.
- Great procuration fees paid weekly, including residential and BTL product transfers.
- Welcome Box sent on completion of a house purchase
- Growth Series – an essential free resource for brokers who want to build their business.
Aldermore knows not all clients fit a one-size-fits-all model, and require a more specialist approach. That’s why our experienced team of manual underwriters assess each client’s circumstances on a case-by-case basis, giving us more of an opportunity to support them find the right mortgage, whatever their circumstances.
Aldermore supports a wide range of people, including first-time buyers with low deposits, home owners looking for a better remortgage deal, landlords big or small, borrowers with less than perfect credit and those aged 55 and over.
Aviva prides itself on having a solution for all clients and their budgets, and provides support and services that cover the client and their immediate family.
It has a wide range of life, critical illness and three income protection options including its Living Cost protection. All of its products automatically provide clients and their families with access from day one to the Support Plus package, a range of added-value, non-contractual benefits that can help them through difficult times.
It also offers a range of additional costed options for your clients to consider, such as its unrivalled Global Treatment. To find out more about some of Aviva’s hidden gems visit the website.
We aim to be the best partner for intermediaries in the mortgage market – but we all know that talk is cheap. So we want you to judge us by our actions.
Our ambition will drive us to continually improve our end-to-end processes, so we can meet your ever-changing needs.
Consider what we’ve delivered to our intermediary partners in the past 12 months:
- 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
BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.
It’s committed to supporting you and your clients through its experienced team of BDMs. BM’s award-winning five-star service comes as standard but it doesn’t take things for granted. The lender is continually refining its products and criteria to suit your needs, so that you have all you need to do business with BM Solutions.
Digital Mortgages by Atom bank
Digital Mortgages is the commercial lending offering from Atom bank – the UK’s first bank built exclusively for mobile.
Using the latest in biometric security and app-based banking we have created a customer centric proposition that can take an applicant through a full mortgage application to offer in as little as 14 seconds.
Our digital mortgage programme continues to push the boundaries normally associated with mortgages to make the future experience even more transparent and customer led.
Halifax for Intermediaries
Halifax wants to make life as easy as it can for intermediaries. That’s why it’s committed to providing and delivering excellent products and service to you and your clients.
It’s easier to do business with Halifax Intermediaries.
Its product proposition includes home movers, remortgages, large loans, new build, Help to Buy 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.
Hodge has been a stalwart of the later-life market since 1965 and in that time, we’ve learned a great deal about what older borrowers want. We’ve made it our mission to create a product range which can adapt and grow with our customers.
We created the first equity release product and helped shape the later-life market for mature borrowers.
As customer needs change, it’s our belief we need to evolve the market and the products we offer to make sure we’re meeting them.
At Hodge, we believe flexibility is key, which is why we have a broad product range to suit borrowers aged over 50. Whether they’re looking for equity release, retirement mortgages, residential mortgages or annuities, we can help.
HSBC UK for Intermediaries
Established in 1865, HSBC has become one of the world’s leading international banks.
For over 150 years HSBC has 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.
Deeply rooted in the UK, our dedicated ‘HSBC UK for Intermediaries’ channel offers the flexibility and functionality needed to provide a high quality service to our Intermediary partners and their customers.
Our processes have been transformed thanks to our broker platform – digital integration has reduced our packaging requirements, income and expenditure requirements as well as our time to offer. We have also increased the size of both our field-based Business Development Managers and UK-based telephony Broker Support Team.
HSBC UK for Intermediaries is committed to making further improvements to the broker journey, whilst continuing to provide attractive products for customers wanting to get onto or move up the property ladder through their preferred channel of choice.
Legal & General
Established in 1836, Legal & General is one of the UK’s leading financial services groups and a major global investor, with international businesses in the US, Europe, Middle East and Asia. With over £1 trillion in total assets under management, we are the UK’s largest investment manager for corporate pension schemes and a UK market leader in pensions de-risking, life insurance, workplace pensions and retirement income. We have also invested over £19 billion in direct investments such as homes, urban regeneration, clean energy and small business finance.
Our purpose is improving the lives of our customers, building a better society for the long term and creating value for our shareholders.
This shapes every aspect of how we do business.
We're committed to being economically and socially useful
Our long term financial sustainability is for the benefit of our customers, employees, shareholders, suppliers and society at large. Our products, services and investments should show both economic and social value for the future.
We're customer led
Our customers are at the heart of everything we do. We develop solutions to build financial resilience and meet their present and future financial goals. We strive to achieve great value and excellent service; responsiveness, being easy to deal with.
We're fair and transparent
We treat our customers, employees, investors, suppliers and regulators with integrity and openness. It should be easy to understand our intentions, provide us with feedback, challenge us and work with us. There is openness and transparency in how we make decisions and manage risks.
We recognise and reward success, investing in the development and wellbeing of our employees. We strive to be a vibrant business that values inclusiveness and embraces difference, where our people are engaged and empowered to deliver outstanding results.
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 Intermediary Solutions
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 NatWest Intermediary Solutions has a team over 50 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 for a third year in a row at the Financial Adviser Service Awards 2018, as well as winning Overall Best Lender for Service at the same awards.
Our aim is to support the mortgage intermediary market by providing competitive products, coupled with excellent customer service.
We are the intermediary arm of Newcastle Building Society, the 9th largest building society in the UK and the largest in the North East. We have a wealth of experience in intermediary lending and can be relied upon to deliver an excellent service that meets the needs of you and your customers.
We’re Platform, part of The Co-operative Bank – the only UK high street bank to be guided by a customer-led Ethical Policy. We provide extensive knowledge and expertise across a wide range of competitive mortgage products, for Mainstream, Help to Buy and Buy to Let.
From expert support with a human touch, to a simple process that’s transparent and fair, we make a difference every step of the way.
We also have a passion for values, ethics, and doing the right thing. That’s not just something we say – it lives in everything we do.
RGAX is a wholly owned subsidiary of Reinsurance Group of America, Incorporated. RGAX was formed in 2015 as the transformation engine of RGA, leveraging the talent, resources, and insight of RGA’s 40+ years of innovation. As a global company with offices in the Americas, EMEA, and Asia, RGAX partners with carriers and entrepreneurs to incubate and accelerate new products and services to advance and expand the life insurance ecosystem. With a mission to help people live longer, healthier, more financially secure lives, RGAX is powering the next generation of data analytics, digital distribution, customer engagement, and insurance service solutions. For more information, please visit www.RGAX.com.
Scottish Widows Bank
Scottish Widows Bank is Lloyds Banking Group’s specialist mortgage provider in the offset and professional markets, offering all its products exclusively through the intermediary market.
It’s a lender focused on the offset market for all clients, lending to professional clients and developing a clear understanding of the needs of customers with large loans.
Over the last 12 months the bank has taken its proposition significantly further with a number of initiatives specifically designed to enhance its products and service. This has included a separate range of products for large loans and enhancements to the bank’s interest-only policy.
Introducing The Exeter, a mutual protection insurer.
Because it appreciates that everyone is different, The Exeter focuses all of its energy and attention on building cover that works for all, with that personal touch you would expect from a leading specialist.
Its purpose is to help people. The Exeter puts its customers first by supporting them when they are unable to work, when they become ill or when they lose a loved one.
As a mutual, it re-invests its profits into better customer service, more affordable premiums and payment of claims.
Specialist lender Together provides funding on residential, commercial and semi-commercial properties, as well as land and developments, working with all kinds of customers, from SMEs and LLPs to sole traders and the self-employed.
Whether it’s for a residential investment, a commercial acquisition or to release equity, Together can help customers to access the finance they need.
With 44 years’ experience, Together has firmly established itself as a leader in the specialist finance industry and in the full year to 30 June 2018, lent £138.3m per month, an increase of 40% year-on-year, growing its loan book to £3bn. Additionally, the group generated £121.7m underlying profit before tax.
Together has received a host of accolades for its products and services including; best short-term/bridging lender, best buy-to-let mortgage provider and finance company of the year. Together was ranked 34th in The Sunday Times Best 100 Companies to Work For in February 2018.