Conference

The Mortgage and Protection Event 2024

Sponsors

Accord Mortgages Website

Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society. They exist to help brokers look after what matters most – your clients, with both residential and buy-to-let mortgage solutions.

At Accord, you can expect a common-sense approach in everything they do, with every case for every broker. Their common-sense flexible underwriting is there to help with complex cases. They also provide direct access to underwriters with a dedicated underwriter managing your case from start to finish.

They’re always looking for innovative ways to support intermediaries and reviewing our products and offerings to ensure they’re providing the best possible service.

Accord’s knowledgeable and experienced sales team are available by phone and webchat to support you and they have a host of online tools to help you find the information you need quickly and easily.

Find out more Welcome to Accord Mortgages | The intermediary only lender

April Mortgages Website

April Mortgages combines the certainty of five to 15 year fixed rates with the flexibility of no early repayment charges when moving home or redeeming.

With lending up to 6 times income, automatic rate reductions and uncapped overpayments, it is committed to bringing peace of mind to both borrowers and brokers.

It’s mortgage more simple.

Bank of Ireland For Intermediaries Website

Bank of Ireland for Intermediaries is focused on helping you to help more clients, with an experienced team and great service to help make your life easier.

The lender offers a range of residential and buy-to-let mortgages, plus innovative solutions including Bespoke, its personalised and flexible service for good quality complex cases. It also allows top-slicing on buy-to-let for landlords who need a more flexible approach to affordability.

Website

Bankhall and PMS’s services are designed to support you through your direct authorisation journey and beyond.

From their award-winning compliance support services, designed to help you drive efficiencies, to a collaborative and personal approach to business development, Bankhall and PMS give you access to experts you can trust. Not to mention the many mortgage club benefits, whether you’re at the start of your direct authorisation journey, or just looking for that extra bit of support.

Connect for Intermediaries Website

Connect for Intermediaries supports mortgage brokers to help their clients find the right finance solution to achieve their property ambitions.

Founded in 1998, Connect has over 25 years’ experience and focuses on supporting clients with its detailed knowledge of the property investment markets.

The business gives brokers access to specialist expertise through its relationships, network, packaging and referral services.

Connect Network members benefit from its relationship with a panel of over 200 lenders and protection partners, included specialist areas such as buy-to-let, commercial, bridging, development, second charges, adverse, later life residential, equity release, business loans and expat finance in addition to mainstream products.

For brokers who are not members of the Connect Network, it offers a referral service for brokers who wish to refer their client to a specialist and benefit in a generous share of the income.

It also offers a packaging service, enabling brokers to access its specialist knowledge and exclusive products, while retaining their client relationship and full commission.

Connect IFA Ltd operates under the two brands ‘Connect Mortgages’ for consumers and ‘Connect For Intermediaries’ for the broker market.

Coventry Building Society Website

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 Website

eConveyancer, powered by Smoove Ltd. is the leading conveyancing comparison tool in the financial services sector, transforming the home moving experience for you and your clients.

Matt Ladak, key account manager for eConveyancer, ensures its partners receive exceptional support and insights, helping mortgage brokers, lenders, networks, and estate agents connect with the right conveyancing firm for their customers every time.

Its panel, consisting of over 70 of the UK’s leading conveyancing firms, is quality assured and fully authorised and regulated by either the Solicitors Regulation Authority or the Council for Licensed Conveyancers.

Family Building Society Website

Family Building Society doesn’t believe in a ‘one size fits all’ approach to lending and will work with you to find mortgage solutions for your clients regardless of their circumstances.

It’s focused on delivering innovative and flexible products to meet the needs of the modern family across all generations and individuals not well served by the mass market.

Why choose Family Building Society?

Human underwriters – not computers
Flexible criteria – not just black and white cases
Tailored credit checks – no credit scoring

It provides solutions for a wide range of customers

First-time buyers
Landlords
Self-employed
Expats
Those in and nearing retirement

Lending into retirement

No upper age restrictions (max mortgage term may be limited)
Five-year term to a qualifying 90 year old
25-year term to a qualifying 70 year old
Earned income up to 70 and pension income beyond that
Rental/investment income evidenced on SA302

Hanley Economic Building Society Website

Founded in 1854, Hanley Economic Building Society has established itself as a trusted partner in the financial landscape, dedicated to providing innovative mortgage solutions.

Based in the heart of the UK, it is committed to serving not only its members but also the intermediary and mortgage broker community with exceptional service and support.

Hanley understands the critical role that brokers play in helping clients navigate the mortgage process. That’s why it offers a diverse range of products designed to meet varying client needs, backed by a knowledgeable team ready to provide expert guidance. The lender’s streamlined processes and responsive service ensure that brokers can efficiently deliver the best outcomes for their clients.

Hodge Website

For more than 50 years, Hodge has helped its customers achieve their financial goals with the skills and knowledge to ensure it creates products and processes for the moments that matter.

Over the years it has created specialist mortgage products to support borrowers who don’t fit the mould. It has used its experience to grow its product offering to better serve brokers and customers alike.

Whether it’s with their personal mortgage, savings, or as a commercial client, Hodge supports thousands of customers across the UK.

Hodge’s commercial clients can expect tailored solutions to suit their needs, whether that’s for development finance, residential and commercial investment or bridging options. While Hodge’s savings team works hard to support customers who want to future-proof their finances.

Hodge is 79% owned by the Hodge Foundation, a charity supporting welfare, medical and academic endeavours.

HSBC Life Website

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.

It aims to be present where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.

HSBC Life (UK) Limited was founded in the UK in 1988 and 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.

Legal & General Website

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

It is proud to be involved in nearly one in four of all mortgages and one in three of all intermediated mortgages, completing nearly £103 billion of lending in 2023 alone.

Now in its 29th year, L&G Mortgage Club has completed over £1trillion of mortgages since 1995. It prides itself on providing value to members, always working closely with new and existing partners to deliver great products, pricing and services.

Legal & General Mortgage Club has built in a wide range of added benefits to help your business grow, from technology that saves you time to optional payments in advance on proc fees.

It also provides exclusive products, extensive lender choice and access to Referral Pro, which allows advisers to earn commission by referring clients who have needs you’re unqualified to advise on or are unfamiliar with.

You’ll always have the support of its friendly and knowledgeable team, ready to answer any questions.

LV= GI Website

LV= GI provides a range of general insurance products for intermediaries to sell to their clients, because it knows you’ll always have your clients back, so it will always have yours.

LV= GI believes outstanding people deliver outstanding service and that powers performance for you and your business. It’s combination of people and technical capability delivers better results for everyone. One community, working effortlessly together to bring the best to you and your clients.

Kent Reliance for Intermediaries Website

As a leader in the specialist intermediary mortgage market, Kent Reliance for Intermediaries offers a range of buy-to-let and residential products that help brokers with cases that may not fit the criteria of mainstream lenders.

Providing unrivalled personal service using a national network of business development managers, it is perfectly placed to help brokers navigate challenging cases. Its large underwriting team assesses each case individually, applying flexibility and common sense to ensure brokers can access best-suited products.

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

Market Financial Solutions Website

Market Financial Solutions (MFS) is an award-winning specialist finance lender, with over 17 years’ industry experience. With a wide range of bespoke bridging finance and specialist buy-to-let mortgage products available, it focuses on providing brokers with speed and flexibility so they can best support their clients.

The lender has recently launched two new products, including a commercial and semi-commercial buy-to-let term mortgage, and a hybrid bridging-buy-to-let product called Bridge Fusion.

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.

Every enquiry receives a response within four hours, and its BDMs are always happy to arrange meetings across the UK. MFS’ expertise, teamwork and around-the-clock service help it deliver a bespoke service with a common-sense approach, no matter the complexity.

Nationwide Website

Nationwide For Intermediaries is Nationwide’s award-winning intermediary mortgage business. When considering a mortgage for your client, Nationwide wants to be your first choice. Every broker will have access to a knowledgeable business development manager, helping you to grow your business.

It can help your clients by providing a range of simple, flexible products with transparent fees and five-star service.

Helping Hand, your first-time buyer clients could now borrow up to 6x their income.
£500 cashback available on all products (all applicants need to be first-time buyers to qualify)
Dedicated hub to help you submit new build business more easily
Up to 90% LTV for houses and 75% LTV for flats
Deposit Unlock, allowing your first-time buyers and home movers to borrow 90.01-95% LTV, up to a maximum loan of £750,000 on new build properties
Tracker rates, with no Early Repayment Charges
Free standard valuations on all homebuyer and remortgage products
Green rewards available for the purchase of energy-efficient properties, with 0% further borrowing available for green home improvements
Remortgage products with free standard legal fees or £500 cashback, up to 95% LTV for like-for-like remortgage
Interest-only available on remortgages and purchases
Switcher and further advance applications accepted
Joint Let-to-buy proposition with The Mortgage Works only available through intermediaries.

Criteria

Various employment types accepted – Employed (including new jobs), self-employed, fixed-term contracts, zero hour contracts, and more
Housing schemes support, including Equity Share, Shared Ownership and Right to Buy

Supporting you and your clients

Business development managers provide support face-to-face, on the phone and via video call across the UK, keeping you up to date with:

Product information
Advice on making applications
Lending policy and criteria

Submitting applications

NFI Online is an online application system. It provides fast processing and case tracking to give you an efficient case experience.

Instant illustrations, Decision in Principle and product reservation
Decision in Principle certificates
Online applications
Immediate valuation instruction
Scan and attach supporting documents
Track and make changes to application

The lender has also developed a mortgage API which allows remortgage and new purchase Decision in Principles (DIPs) to be created in third-party platforms.

Only enter client data once, no need to duplicate information across platforms
It’s 10-15 minutes quicker on average to get a DIP and reduces keying errors
Less duplication means less potential for keying errors.

Newcastle for Intermediaries Website

Newcastle for Intermediaries is one of the fastest growing lenders in the market and part of Newcastle Building Society. Its primary goal is to empower brokers by offering a wide range of competitive products and criteria, with access to experts and new technology.

Newcastle is Powered by Partnership. That means collaborating towards a shared goal of helping clients achieve their homeownership aspirations. That’s why the lender works closely with brokers, reviews its processes, and listens to market needs – to help it to invest in the technology, people, products, and service enhancements it knows you and your clients value.

Nomo Bank Website

Nomo Property Finance is a digital-first, Sharia-compliant finance product helping those who want to buy or refinance either residential or rental property in the UK. The bank accepts applications from GCC (Gulf Corporation Council) country residents. This includes the UAE, Kuwait, Bahrain, Saudi Arabia, and Qatar.

For more information on how Nomo can help you support property finance transactions from GCC Residents please visit Nomo Bank for Intermediaries.

Paymentshield Website

Paymentshield protects people’s most treasured possessions – their home and everything in it.

Perhaps what’s even more important than protecting people’s belongings, is helping to keep families together. It does this by making sure, no matter what life throws at policyholders, they can stay in their homes or get back into their homes as quickly as possible.

Paymentshield aims to offer an unrivalled experience which will always make it your first choice when it comes to insurance.

Its mission is to exceed the needs and expectations of partners and their customers by delivering intelligent products and services through innovative and easy-to-use systems.

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.

The lender 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.

Pepper Money aims to help both parties fulfil their ambitions. It does this 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 means fairer – often more generous – lending decisions are reached because the lender considers people, not credit scores.

It is easy to work with, offering direct access to a decision maker, and provides 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 Mortgages Website

Precise believes lending shouldn’t be complicated, so it cuts the faff and gets 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’s 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. In 2023 alone, it won three awards and is pretty proud of them.

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

Precise. Refreshingly simple.

Skipton Building Society for Intermediaries Website

Making things easier for you

Without you, Skipton Building Society for Intermediaries knows it wouldn’t be where it is today. That’s why the society provides a variety of services and tools designed to make things faster, easier and better for you. You can talk to real people who can make decisions. You can phone, email, web chat or video call. You can get practical support from your local BDM. And use the society’s online tools around the clock.

The Exeter Website

As a mutual, we couldn’t be more friendly. We’re committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply - you matter more.

And because we don’t have shareholders, we’re able to re-invest more of our profits into the things that really matter to your clients – great service and quality products.

The Mortgage Lender Website

People in the mortgage industry talk about ‘specialist lending’. And sure, technically that’s what The Mortgage Lender does, but ‘specialist’ isn’t how it sees itself. Ditch the industry chat and its business is simple — it’s just lending for real life.

In a world of individuals, everyone is unique. The Mortgage Lender helps people with unique circumstances into the homes of their dreams. Supporting the self-employed, the entrepreneurs and the buy-to-letters – that’s real life lending.

Key specialities

Self-employed
Complex incomes
Adverse credit
Buy-to-let.

Website

The Mortgage Works is a subsidiary of Nationwide with over 30 years’ experience. It offers a wide choice of buy-to-let and let-to-buy mortgages for experienced and first-time landlords. Every broker will have access to an expert business development manager, helping them grow their business.

Products and features

No minimum income requirements
No maximum age for experienced landlords at 65% LTV or less. For other applicants or LTVs, maximum age at application is 70 years
Lower rate taxpayer proposition with 125% interest cover ratio
Buy-to-let and Let-to-buy products up to 80% LTV. With a range of product fees to suit your clients’ needs
Limited Company proposition with products available up to 80% LTV and 125% Interest Cover Ratio
Portfolio landlords accepted, and no limit on number of properties held
HMO products available up to 75% LTV
Green Further Advance products available to support your clients in improving the energy efficiency of their properties.
A personalised Portfolio Review provided after the offer of a portfolio case, a tool to help make the most of your client’s portfolios.

Supporting you and your clients

TMW’s business development managers provide support face-to-face, on the phone and via video call across the UK, keeping you up to date with:

Product information
Advice on making applications
Lending policy and criteria

Submit applications through TMW Online

TMW Online is an online application system for brokers, which provides fast processing and case tracking to give you an efficient case experience.:

Submit your clients’ applications easily
Case tracking without the need to call – systems are updated every 10 minutes.
Immediate Decision in Principle
Scan and attach supporting documents
Download and print case documents online for your compliance records.

Speakers

Ian Andrew

Intermediary relationships director, Nationwide Building Society

Ian Andrew

Intermediary relationships director, Nationwide Building Society

Ian joined Nationwide in January 2008 to set up the Society’s first prime intermediary salesforce, Nationwide for Intermediaries (NFI), which launched in April 2008.

In July 2009, NFI was merged with the Society’s specialist lending sales force, TMW, creating a dual-branded salesforce of telephone and field-based Business Development Managers and Corporate Account Managers.

Ian was awarded the Nationwide “Executive Leader of the Year” award in 2011 and later that year moved into the position of Managing Director for Intermediary Relationships where his responsibilities were widened to include the Intermediary Relationships Dedicated Broker Support, E-Support, Change and Operational teams.

In 2012 Ian was appointed to the Board of The Mortgage Works. He is a NED of Mortgage Brain Ltd and was appointed as Deputy Chairman in March 2020. Ian is also a member of the UK Finance Intermediary Advisory Group.

Clare Beardmore

Director, Legal & General Mortgage Club

Clare Beardmore

Director, Legal & General Mortgage Club

Biography

Gurpreet Chahal

Corporate account manager, Accord Mortgages

Gurpreet Chahal

Corporate account manager, Accord Mortgages

Jeremy Duncombe

Director – Mortgage Distribution, Accord Mortgages

Jeremy Duncombe

Director – Mortgage Distribution, Accord Mortgages

Jeff Knight

Director, Mortgage Marketing Forum

Jeff Knight

Director, Mortgage Marketing Forum

Kate Davies

Executive director, IMLA

Kate Davies

Executive director, IMLA

Kate studied German at Durham University and started her career in local government, then moved to the Building Societies Association/Council of Mortgage Lenders, where she became the CML’s specialist on mortgage regulation.

Since leaving the CML in 2008, Kate has worked freelance for a number of trade associations and served for six years as a non-executive director at the Darlington Building Society.

She succeeded Peter Williams as IMLA’s executive director in January 2018.

Kelly Melville-Kelly

Equity Release Council

Kelly Melville-Kelly

Equity Release Council

Kelly is the director of risk, policy and compliance at the Equity Council, with over 25 years’ experience in the financial services industry.

She has experience of leading many risk and regulatory projects in the equity release market.

Having joined the Council in 2020, Kelly works with all stakeholder members to ensure the vision and values of its standards are championed and understood.

Adrian Scoates

Corporate relationship manager, The Mortgage Works

Adrian Scoates

Corporate relationship manager, The Mortgage Works

Adrian has worked in the mortgage industry for over 39 years. After running several branches and a mortgage centre for Nationwide, he joined UCB as a business development manager in 2000. He later joined the corporate account team and, following the merger of Nationwide and Portman, took on his current role in 2009 looking after Nationwide and The Mortgage Works with several key accounts.

Liz Syms

CEO, Connect for Intermediaries

Liz Syms

CEO, Connect for Intermediaries

Mike Cook

Chief mortgage officer, Market Finance Solutions

Mike Cook

Chief mortgage officer, Market Finance Solutions

Mike joined Market Financial Solutions in 2021, having previously helped provide billions in mortgage lending through customer-centric propositions.

After starting in Aviva Investors and Arthur Andersen, Mike briefly joined Lehman Brothers in 2007 as VP Mortgage Products and then joined ING Direct in 2008 where he tripled annual mortgage lending ahead of joining Bank of Ireland.

From there, he joined Vida Homeloans, which he left at the end of 2020 having originated a book of £2bn. Mike then joined MFS and was excited to bring over 25 years’ experience to the team and help bring its new buy-to-let product to the market