Bank of Ireland for Intermediaries
Bank of Ireland for Intermediaries is focused on helping you to help more clients.
Its range of residential and buy-to-let mortgages is underpinned by experienced people and great service.
Whether you’re looking for solutions for buyers with small deposits, landlords needing a more flexible approach to affordability, or you’d like to help clients who don’t fit straightforward lending criteria, the lender is right here for you.
Bank of Ireland for Intermediaries offers great service and has the right people, products and systems to support you.
- Pragmatic, flexible approach for good quality, complex cases with its Bespoke proposition
- Experienced and knowledgeable business development team available to support you wherever you are in the country
- Common-sense underwriting decisions, including automatic acceptance for straightforward cases
- Direct contact to underwriters through its online case messaging system.
Barclays prides itself on the quality of its people and how quickly they adapted to overcome a host of challenges when supporting intermediary partners and a variety of borrowers.
As a lender, it has certainly not stood still over the past two years. Every decision made over this period has been geared towards improving lending policy and criteria, providing reliable service levels and facilitating a more efficient mortgage journey - all whilst maintaining a highly competitive product range.
At the heart of these positive changes are Barclays’ people, and the bank is delighted to be involved in events such as the British Mortgage and Protection Senate, where individuals throughout the mortgage market meet to share ideas and insight to help the industry move forward.
BM Solutions is dedicated to supporting intermediaries. Its competitive products and award-winning service can be accessed through its forward-thinking technology, BM Solutions Online. The lender aims to support the traditional sector of the buy-to-let market for landlords with small to medium sized portfolios.
BM’s team of experienced BDMs has consistently been there to complement its consistent and award-winning five-star service, but the lender doesn’t take things for granted. It’s continually refining its products and criteria to suit your needs so that you have everything you need to do business with BM Solutions.
Coadjute is a real-time network designed to improve the property transaction process, end-to-end.
It’s enabling a fully digital property market, by connecting the systems property professionals already use.
That’s right, Coadjute doesn’t replace, it connects.
Its network is built with a bank-grade form of blockchain, trusted by leading financial institutions the world over. Buyers and sellers benefit from greater transparency than ever before, a reduced risk of fraud and a faster process.
Coadjute, creating a better property market for everyone.
As Help to Buy ends, buyers are searching for an alternative. Meet Even, the interest-free deposit booster for first-time buyers.
Made for those with as little as a 5% deposit, Even enables first-time buyers to borrow up to 5.5 x their income with an interest-free equity loan.
Even can lend up to 2 x the borrower’s deposit (up to £100k) with no interest for the entire term, keeping monthly costs manageable.
At repayment, Even shares in the change in value of the property. Features like profit caps on Even’s share and no ERCs keep Even fair, helping more people into homeownership.
Halifax Intermediaries wants to make life as easy as it can for brokers.
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 homemovers, 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.
HSBC Life (UK) Limited is part of the HSBC Group, one of the world’s largest banking and financial services organisations.
HSBC Group serves more than 40 million customers worldwide through a network that covers 64 countries and territories in its geographical regions: Europe, Asia, North America, Latin America, and Middle East and North Africa.
HSBC Life (UK) Limited is a subsidiary of HSBC Bank plc and was founded in the UK in 1988.
HSBC Life (UK) Limited offers insurance services to meet protection and investment management needs. Its services and solutions are available through HSBC banking channels and selected third-parties, including financial advisers and aggregators.
HSBC is one of the world’s largest and most successful banking and financial services organisations, with a proud history of serving customers and communities for more than 150 years.
Whether individuals are saving for a better home, companies growing their business, or institutions investing for future generations, HSBC UK is here to understand and serve them all. It’s here to open up a world of opportunity.
With its ring-fenced bank deeply rooted in the UK, HSBC UK’s dedicated intermediary mortgage channel continues to offer the flexibility and functionality needed to provide a high-quality service to its intermediary partners and their customers.
The broker journey continues to be transformed by HSBC developing its broker platform to deliver a smoother journey and investing in its people.
The lender’s experienced field and phone business development managers and UK-based telephony broker helpdesk continue to provide a superior level of support that its intermediary partners have become accustomed to.
Legal & General Insurance
As of 1st January 2022, Legal & General Retail Retirement and Legal & General Insurance (its two retail businesses) have been combined into one division, Legal & General Retail, to enable the business to better serve the needs of its retail customers.
Legal & General Retail helps protect the lives and futures of its customers. The division covers the savings, protection and retirement needs of its 12 million retail policyholders and workplace members.
In 2021, the business wrote £957 million of annuity premiums, and issued £848 million of lifetime mortgages and retirement interest-only mortgages. Its workplace pension platform served 4.4 million members, while in the UK it paid out a total of £1,133.8 million in insurance claims.
Mortgage Brain is a mortgage technology expert that has been developing market-leading software solutions for UK mortgage intermediaries for over 35 years. Its suite of products and services supports advisers by providing them with a seamless end-to-end journey.
Annually reinvesting 40% of overheads into product development, the Mortgage Brain proposition delivers a wealth of different solutions and new product development that transforms the mortgage process for everyone. Mortgage Brain is proud to proactively support lenders, networks, corporates, and intermediary mortgage advisers.
Its recent innovations include the launch of an affordability sourcing solution which integrates with criteria and product sourcing systems for a complete view of the market in one journey, and the launch of an online application submission platform, Submissions Brain.
In 2010, PEXA began a journey that would revolutionise the way Australians (and the rest of the world) exchange property.
It set out to create less paperwork, smaller process times and less margin for error, helping to modernise the AU$7 trillion residential property market.
Today PEXA’s world-first property settlement experience is trusted by more than 10,000 legal and conveyancing firms as well as financial institutions in Australia. Over AU$2 trillion of property value has safely transacted through PEXA and every week 20,000 Australians experience a speedy, safe and efficient property settlement experience.
PEXA now believes its proven technology will advance how the UK buys and sells homes. It is looking to work with progressive UK lenders, land registry and solicitors to streamline processes, cut complexity and deliver better experiences, every time, for everyone.
PEXA digitises the manual processes and paperwork associated with property exchange by enabling lenders, conveyancers and others to transact together seamlessly.
Scottish Widows Bank
Scottish Widows Bank is Lloyds Banking Group's offset mortgage provider but also focusses on the professional and later life markets, offering all its products exclusively through the intermediary market.
Over the last 12 months the bank has taken its proposition significantly further, with initiatives designed to enhance its products and service. This has included a separate range of products for large loans and later life lending along with enhancements to its interest-only policy.
Launched in 2019, its Premier Mortgage Service is built around the established expertise of its dedicated relationship managers. On hand to help you with your large loan clients, the team offers tailored, expert support. Whenever you need it, however complex your clients’ needs.
Skipton Building Society for Intermediaries
Skipton Building Society believes you should spend more time doing the work you love and less time on the admin.
So whether it’s the lender’s speedy turnaround times on simple cases, or the real people having real conversations on more complex cases, you’ll get the help you need to make the job feel faster, easier and better.
Plus, get access to practical support from your local BDM and a variety of online tools around the clock.
That’s mortgages, made easier.
As a mutual, The Exeter couldn’t be more friendly. The lender is committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply - you matter more.
The Exeter’s multi award-winning proposition provides you with a range of products to meet your clients’ needs, including:
- Income protection
- Life cover
- Health insurance.
Uinsure’s long-term goal is to see insurance offered alongside every mortgage application and its industry-leading technology has completely removed the complexities from GI to allow this to happen.
It puts its partners and their clients at the heart of everything it does, meaning buying insurance has never been easier and the support we offer has never been more thorough.
Zurich Insurance Group (Zurich) is a leading multi-line insurer that serves its customers in global and local markets. With about 55,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 215 countries and territories.
Zurich UK provides a suite of general insurance and life insurance products to retail and corporate customers.
It supplies personal, commercial and local authority insurance through a number of distribution channels, and offers a range of protection, retirement and savings policies available online and through financial intermediaries for the retail market and via employee benefit consultants for the corporate market.
Based in a number of locations - with large sites in Birmingham, Farnborough, Glasgow, London, Swindon and Whiteley - Zurich employs approximately 4,500 people in the UK.