Sponsors

3mc

3mc is an award-winning specialist mortgage desk for mortgage intermediaries and a packager/distributor of Residential, Buy to Let, Commercial and Bridging mortgages.

2020 has seen the launch of our new intermediary focussed CRM system, 3mcView. The new platform enables mortgage intermediaries to access 3mc panel lenders from one initial decision in principle with API links to various specialist lenders including documentation and application forms for 28 different lenders without the need to rekey any additional data. 3mcView provides intermediaries with the ability to source both 3mc exclusive criteria and products including documenting the research.

A new 3mc intermediary website has been launched to enhance the intermediary’s experience when dealing with 3mc, detailing both the 3mc packaged service and introducer service available to intermediaries. The website has been designed to compare 3mc’s product and criteria offering when dealing with the same lender direct including access to 8 different lender onsite underwriters based within the 3mc office.

2020 is 3mc’s 24th year of trading within the business to business sector. During 2019 3mc processed over £2.2 Billion of specialist mortgage enquires. When dealing with 3mc you gain access to lenders with restricted access along with access to 3mc exclusives. The customer remains the customer of the intermediary and the intermediary is the customer of 3mc. The intermediary receives the market procuration fee as the lender pays 3mc a gross packaging fee which includes the intermediary’s market procuration fee. The 3mc introducer service is where you can pass the client to 3mc and 3mc will take over the advice and recommendation process in return for a percentage of the gross commission received.

3mc prides itself on its independent status working with directly authorised intermediaries and appointed representatives of all partner networks. The 3mc mortgage desk has a wealth of experience assisting mortgage intermediaries in the placement of their cases across their entire specialist panel of lenders.

3mc

Bluestone Mortgages

Bluestone Mortgages prides itself on being able to offer residential and buy-to-let mortgage products to those who've encountered unforeseen financial issues.

It is a specialist mortgage lender that deals with adverse credit and complex cases. Its range of products has been designed for people that don't fit the traditional customer profile of high street banks.

Bluestone’s service is special too – the lender promises to treat customers as individuals and make decisions based on their circumstances, not their credit score.

It is committed to being a responsible lender and its team of highly experienced underwriters will take a holistic view of every customer’s profile to ensure it takes their individual circumstances into account.

Bluestone makes complex lending easy.

Bluestone Mortgages

Fluent Mortgages

Fluent Mortgages

Foundation Home Loans

Foundation Home Loans is the trusted specialist intermediary-only lender for portfolio and limited company buy-to-let mortgages and ‘near-miss’ residential mortgages. Need a home for your specialist mortgage cases? Solution Found.

For your portfolio landlord…

Our approach to portfolio landlords is simple, flexible and customer-focused…

  • Portfolio assessment valid for 6 months
  • No limit to portfolio size, subject to maximum borrowing of £3m with us
  • No business plans or asset and liability statements needed
  • Bespoke stress test for the background portfolio
  • No business plans or asset and liability statements needed
  • Simple form to fill in and processing times are the same as non-portfolio cases
  • The rental calculation is either 125% x pay rate (limited companies) or 145% x pay rate (individuals)

Limited company lending

  • Newly incorporated limited companies acceptable
  • Complex company structures considered
  • No maximum age
  • ICRs of 125% x pay rate for limited company cases (5-year fixed rates)

Buy To Let overview

  • Buy-to-let products available for limited companies and portfolio landlords
  • Limited companies and individuals
  • First time landlords
  • Expats for limited companies only
  • HMOs, Multi Unit Blocks and Short Term Lets catered for
  • Loans up to £1.5m
  • No limit to portfolio size, subject to maximum borrowing of £3m with us
  • ICRs of 125% x pay rate for limited company cases (5-year fixed rates)

Residential Range

Foundation’s residential range is designed for clients who just miss out on mainstream mortgages from the high street for reasons such as credit scores or unconventional income.

  • Up to 90% LTV
  • Loan amount up to £2m at 65%
  • Up to 4 applicants considered
  • Max age 75 (end of term)
  • First time buyer options
  • £50k Minimum loan
  • For self-employed or employed
  • Gifted deposits accepted

Foundation Home Loans

Landbay

Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords operating across various sectors of the market. Our products include fixed and no ERC tracker rates, with some products being specifically designed for HMOs & MUFBs.

Landbay’s team offer an in-depth knowledge of the buy-to-let mortgage industry, combined with an innovative, technology-enabled approach to lending, which equips them to take on complex cases. With a highly experienced underwriting team on board, who you can speak with directly, Landbay provides a transparent and rational approach to securing mortgage finance, with speed and flexibility at its core.

Landbay

Metropolis Surveying Services

Metropolis Surveyors LLP was formed in 2004 as an amalgamation of an existing Chartered Surveyors practice and the Kings Group of Estate Agents.

Metropolis provide Nationwide coverage across England and Wales through its network of qualified RICS Surveyors and Valuers, providing residential Mortgage Valuations to the First and Second Charge Lenders in the UK, as well as Homebuyers and Building Surveys. With strong partnerships formed with both brokers and lenders, Metropolis key objective is to deliver a quality service to its clients and introducers.

2019 saw Metropolis win 5 National Awards which were all voted for by the community and we continue to drive our quality and service levels even higher. In addition we delivered over 20,000 valuations.

We have a strong team ethic, and backed by a robust Compliance and Quality regime, our experience enables us to understand the needs and the demands of the markets we work in, so we can give confidence to our clients that they are getting a professional service.

Metropolis Surveying Services

OMS

One Mortgage System (OMS) is more than a sourcing system. Features include: a CRM, audit trail, pre-population, DIPs, full two-way lender integration with a number of lenders.

The system allows document uploads, sourcing, KFIs, evidence of research, email and SMS updates, pre-underwriting, AVMs, credit searches and so much more to help save brokers hours of administration time.

The system has been developed by working alongside mortgage advisers and observing how they operate. This has resulted in a multi-award-winning system that, in only its first year, has amassed over 4,000 users.

OMS

OneSavings Bank

OSB primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns in which it can take a leading position and where it has established expertise, platforms and capabilities.  These include private rented sector Buy-to-Let, commercial and semi-commercial mortgages, residential development finance, bespoke and specialist residential lending and secured funding lines. OSB originates organically through specialist brokers and independent financial advisers.  It is differentiated through its use of high skilled, bespoke underwriting and unique low cost base.

OSB is predominantly funded by retail savings originated through the long established Kent Reliance name, which includes online and postal channels, as well as a network of branches in the South East of England.

The Kent Reliance, InterBay Commercial and Prestige Finance are trading brands within the OneSavings Bank plc Group.’

OneSavings Bank

Precise Mortgages

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.

Precise Mortgages

The Mortgage Lender

We’re an independent mortgage provider at the heart of what some people call the ‘specialist mortgage market’. Thing is, this isn’t really us. We prefer to describe what we do as ‘lifestyle lending’. Our whole reason for being is to provide mortgages to people with less than usual lifestyles. Nowadays, it’s perfectly normal to be freelance or self-employed, divorced or single. It’s called real life.

Be assured that real, friendly and accessible underwriters make decisions on all our cases, as this bit is too important to leave to computers and faceless process. It’s our flexible approach to our customers that truly sets us apart.

We understand that less than usual circumstances are often overlooked by the mainstream but at The Mortgage Lender, we love to lend. We’re not like some of the less flexible mortgage businesses. We don’t use credit score cascading and we always watch our rates.

The Mortgage Lender

Together

Established in 1974, Together has been bringing common sense to the UK specialist secured lending market for 45 years.

Our expertise in lending means we can look beyond mainstream lending criteria to take an individual view of customers’ needs and treat each application on its own merits.

We offer a wide range of specifically designed products, including short-term finance, auction finance, residential, buy-to-let and commercial mortgages and secured loans through our established distribution network. We work with all kinds of customers from SMEs and LLPs to sole traders and self-employed people.

With 45 years’ experience, Together has firmly established itself as a leader in the specialist finance industry. In 2019 our gross mortgage lending rose 19.4 per cent in to hit £2bn – up from £1.81bn in 2018 - and we have a current loan book of more than £3.7bn.

Together

Vida Homeloans

Vida Homeloans is the specialist mortgage lender for residential and buy-to-let customers who may not fit the criteria currently demanded by high street banks, such as the self-employed, customers with multiple jobs, first-time buyers, expats and buy-to-let investors. Vida uses the latest financial technology to support and inform human underwriting decisions.

Vida’s criteria-driven lending proposition has made a positive impact on the mortgage market, with over 12,000 registered intermediaries, 7,500 customers and £1.6 billion in mortgage completions since launch in October 2016. Vida has also completed four securitisations worth £1.5 billion and has received 21 industry awards.

Vida Homeloans

Contact Us

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Event Manager
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danielle.dennis@ae3media.co.uk
@DanielleDennis9
For marketing queries
Marketing Manager
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+44 (0)203 815 3683
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@l_francisco
FOR SPONSORSHIP QUERIES
Account Manager
FOR SPONSORSHIP QUERIES
+44 (0) 203 8153684
andrew.morris@ae3media.co.uk
@AndyMorrisMS
For Sponsorship Queries
Commercial Manager
For Sponsorship Queries
+44 (0)203 8153680
oonagh.sheehan@ae3media.co.uk
@oonagh44
For advertising queries
Commercial Director
For advertising queries
+44 (0)20 3815 3681
jamie.hurst@ae3media.co.uk
@jimmychicken
For editorial queries
Editor
For editorial queries
+44 (0)20 3815 3674
Owain.thomas@ae3media.co.uk
@OTjournalist
For event queries
+44 (0)20 3815 3677
danielle.dennis@ae3media.co.uk
@DanielleDennis9
For marketing queries
+44 (0)203 815 3683
lorraine.francisco@ae3media.co.uk
@l_francisco
FOR SPONSORSHIP QUERIES
+44 (0) 203 8153684
andrew.morris@ae3media.co.uk
@AndyMorrisMS
For Sponsorship Queries
+44 (0)203 8153680
oonagh.sheehan@ae3media.co.uk
@oonagh44
For advertising queries
+44 (0)20 3815 3681
jamie.hurst@ae3media.co.uk
@jimmychicken
For editorial queries
+44 (0)20 3815 3674
Owain.thomas@ae3media.co.uk
@OTjournalist

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