Non-Investment Roadshow Brochure

Non-Investment Roadshow Brochure

Welcome to your Non-Investment Roadshow

Brought to you by

In partnership with

Welcome to Tenet’s Non-Investment Roadshow

A warm welcome to the first round of Roadshows for 2018 – our dedicated mortgage, protection and general insurance events. Joining us at these events, we are pleased to work with our provider partners who will be covering a range of subjects, presented in a combination of stand up formal presentations and interactive round tables. There will also be content from Tenet’s senior management to keep you up-to-date with current initiatives. We’ll begin the day looking at the UK protection market, focusing on the need for income protection, why your mortgage clients need to have protection in place, the consequences of not having appropriate levels of protection and the opportunities you have with your clients to promote appropriate cover. You’ll also hear from a number of our lender partners who will cover recent buy to let changes, the benefits of offset mortgages, bridging finance and secured loans, to name a few. During the interactive sessions these lenders will talk to you about the support they can offer you and your clients, their USPs and their new products and services available.

The Tenet Event App Last year we introduced the Tenet event app to give delegates attending an enhanced experience, enabling deeper involvement in the event, the ability to download information at the touch of a button and contact any Tenet staff and our provider speakers more freely and easily. The app has been developed with you in mind, however if you think there is anything that could be added, please complete your comment card and leave this with us at the end so we can take your feedback on-board! If you attended one of our events last year and already have the new app installed, you will simply need to update it to show the new event. For those attending an event for the first time, you will already have been invited to download the app in readiness for your event and your presenter and event staff will be able to assist you with this new technology. Key features include contact details for hosts, staff and speakers, session details with ability to download presentations, attendee information with the ability to message members via the app, direct links to social media and a feedback facility. And finally… Please feel free to provide feedback to us on any element of the event. It is your feedback that helps us to make improvements for all advisers attending. We hope you enjoy the event, as well as the opportunity to network with other advisers, providers and the Tenet staff in attendance.

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3

AGENDA Total Unstructured CPD : 5 Hours

8.45am – 9.15am Arrival, Coffee & Breakfast Sandwiches

Welcome and Introduction Tenet

9.15am – 9.25am

N/A

Tenet Update Tenet

9.25m – 9.40am

N/A

You have the Puzzle and Precise Mortgages has the Specialist Solution Precise Mortgages

30 mins unstructured

9.40am – 10.10am

10.10am – 10.40am Covering Clients Comprehensively Zurich

30 mins unstructured 20 mins unstructured 20 mins unstructured

10.40am – 11.00am Sliding Doors Scottish Widows

11.00am – 11.20am Income Roulette – Removing the Risk for your Clients LV=

Why (Illness) Protection? The Risks and Opportunities for Clients and Advisers VitalityLife

20 mins unstructured

11.20am – 11.40am

11.40am – 12.10pm Refreshments

Interactive Roundtables: (Lunch served 1.30pm – 2.00pm)

Supercharge your General Insurance Sales Paymentshield Making it Easier for you to do Business HSBC UK for Intermediaries

20 mins unstructured 20 mins unstructured 20 mins unstructured 20 mins unstructured 20 mins unstructured

12.10pm – 3.40pm

Moving Forward Together with BTL & Offset Mortgages BM Solutions & Scottish Widows Bank We’ll Help Unlock your Clients’ Ambitions Aldermore Bank Business Opportunities with Specialist Lending Enterprise Finance The Benefits of Offset Mortgages and Positive Changes to BTL Offerings Coventry for Intermediaries Together’s Common Sense Approach to Residential Mortgages Together

20 mins unstructured

20 mins unstructured

Secured Loans – The Hidden Opportunities Norton Broker Services

20 mins unstructured 20 mins unstructured

Love your Bank at Last Metro Bank

STAND ATTENDANCE:

The introduction of the Stamp Duty surcharge in 2016 saw landlords rushing to complete purchases on buy to let properties before the additional 3% tax took effect in April of that year. Figures released at the time by the Council of Mortgage Lenders showed a near 60% increase 1 inmortgage lending in March 2016 compared with the previous March, with many landlords snapping up 2 year Fixed rate products. Change in the lending landscape Landlords coming to the end of their initial fixed rate period may be looking to remortgage to avoid slipping onto their lenders’ standard variable rate. Since they last took out a mortgage, however, the lending landscape has changed. The introduction of tougher affordability testing and the start of a phased reduction in mortgage interest tax relief could make it more difficult for them to secure a new deal. How Precise Mortgages can help If you’ve got a landlord who avoided the stamp duty hike nearly two years ago and is now struggling to remortgage or can’t achieve the loan size they need, PreciseMortgages has a number of solutions that could help. Our recently refreshed buy to let remortgage range now gives non-portfolio landlords the option of maximising the loan amount available to them by using their earned income to cover a rental shortfall. This process – known as ‘topslicing’ – is available providing the rental income of the property achieves an ICR of 110% calculated at the pay rate of the product selected. Following the PRA’s decision to classify customers with four or more mortgaged properties as portfolio landlords, we kept things as simple to make applying for new mortgages as easy as possible. We created three forms to capture the additional information that’s now required and launched a dedicated Portfolio Team to key this information into the system for you. Assessments are valid for 6 months to make future applications easier, provided the information remains the same during this period. Get in touch For more information about how Precise Mortgages could help, speak with one of our Business Development Managers or call our dedicated support team on 0800 116 4385.

1 Council of Mortgage Lender market commentary April 2016 https://www.cml.org.uk/news/news-and-views/market-commentary-april-2016/

Roger Morris Director of Sales

07774 495810 [email protected]

The specialist lender you can bank on

Precise Mortgages is a trading name of Charter Court Financial Services Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number 494549). Registered in England and Wales (company number 06749498). Registered office: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD.

FOR INTERMEDIARY USE ONLY.

5

You have the Puzzle and Precise Mortgages has the Specialist Solution

Presented by

As the specialist lender you can bank on, Precise Mortgages is committed to providing lending options to customers that are underserved by high street lenders. Our aim is to help customers achieve the loan/mortgage they need, whilst helping you to identify opportunities to provide incremental growth for your business. There are multiple specialist lending options available, which can present a puzzle in terms of how they can assist different customers. Precise Mortgages will use a series of scenarios to help you work through the puzzle of more complex customer lending requirements. The aim is to help you identify lending solutions for all customer cases that arrive on your desk. This session has been carefully crafted to cover a wide array of lending solutions, including the self-employed challenge, the different layers of buy to let and options for portfolio landlords. They will also explore where second charge loans and bridging finance can provide an ideal lending alternative for customers. Our speakers look forward to seeing you at an event soon and sharing more solutions with you.

LEARNING OBJECTIVES By the end of this session the delegate will have an understanding of: n How Precise Mortgages can provide solutions to the specialist lending ‘puzzle’ n The lending options for the self-employed n Help to Buy and helping customers after they are on the ‘ladder’ n The multi layers of BTL n How to accelerate equity growth in a portfolio

PLATFORM PRESENTATION

ZURICH INSURANCE. FOR THOSE WHO TRULY LOVE.

Zurich Assurance Ltd. Registered in England and Wales under company number 02456671. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX

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Covering Mortgages Comprehensively

Presented by

It’s now almost four years since the implementation of the main features of the Mortgage Market Review. The good news is that, by and large, the rules are being implemented as was intended, and we have a more stable and sustainable mortgage market. The bad news is that, whilst mortgages have to be stress-tested to withstand the impact of significant interest rate rises, we still don’t stress-test the borrowers’ ability to maintain mortgage payments in the event of death or serious illness. Some clients still believe the state will pay their mortgage if they can’t and, whilst this may have been true in the past, Support for Mortgage Interest is limited and may arrive too late to save the family home from repossession. In addition, in April 2018, it’s changing from a state benefit to a state backed loan. Given the choice, most clients would like to have comprehensive cover for their mortgage - life, critical illness and income protection – but all three can sometimes prove to be too expensive.

This session from Zurich will explain how Support for Mortgage Interest works and how payment protection benefit, used alongside life and critical illness, can provide comprehensive cover for mortgages.

LEARNING OBJECTIVES By the end of this session the delegate will be able to: n  Understand the impact of the MMR and be aware of the numbers of clients with unprotected mortgages n  Understand how state support for mortgages works n  Understand how to provide comprehensive cover for your clients n  Handle client objections to protection

PLATFORM PRESENTATION

REASONS 5 PROTECTION IS EASY WITH SCOTTISH WIDOWS WHY

1 2 3 4 5

EXPERIENCE AND EXPERTISE Having protected customers for over 200 years, we can keep you informed with industry news, research, and expert insight.

MENU PLAN FLEXIBILITY Allows you to mix, match and evolve your client’s cover as their needs change.

UNDERWRITING STRENGTH We have an interactive rules set based on our extensive experience, giving a high point-of-sale decision rate.

SERVICE AND SUPPORT Five-star service and end-to-end support – from online tools to dedicated claims handlers.

SCOTTISH WIDOWS CARE From the day the policy starts clients and their families have access to practical and emotional support from RedArc.

Find out more at scottishwidowsprotect.co.uk/5reasons

Financial Adviser Service Awards 2016

This information is for UK Financial Adviser use only and should not be distributed to or relied upon by any other person. Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655. 26885 A4 10/1 7

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Sliding Doors

Presented by

By the end of this session the adviser will have a much better understanding of the UK protection market and will be able to reflect on how well positioned their business is, to take full advantage of the opportunities to sell more protection to their mortgage customers. The session will also help to reflect not only on the importance of having financial protection, but also the financial impact and consequences of not having the appropriate cover in place and reasons why work related benefits are often inadequate. Additionally it will take a look at how families who may become reliant on the provision of the welfare state need to be made aware of its changes and its shortfall. This, in turn, helps the adviser to firmly establish with their client the need for ‘Self-Care’ and provide themselves with cover appropriate to their needs. Finally, we will re-look at the same case study again in a slightly different way, which will in turn drive a different financial outcome for the customer, delivering a more secure and appropriate protection solution.

LEARNING OBJECTIVES By the end of this session the delegate will be able to: n  Identify the opportunities and how to position the reasons why your mortgage clients need to have protection in place n  Bring into clear focus the consequences to your clients and their family of not having appropriate levels of protection and relying on the welfare state n  Understand how having appropriate protection in place can drive a much better financial outcome for clients and their families, whilst providing other tangible benefits

PLATFORM PRESENTATION

provided by SquareHealth

Sometimes you don’t want to wait

Doctors are available now

My Services

Remote GP Consultation

My History

My Medical History

11

Income Roulette – Removing the Risk for your Clients

Presented by

In this session, LV= will draw on its 2017 research, carried out in

LEARNING OBJECTIVES By the end of this session the delegate will: n  Understand the need for income protection for families and individuals, and the importance of having this in place n  Be aware of the particularly vulnerable groups in society, and how they can be protected n  Explore ways of engaging with these clients, and help them understand the importance of protection n  Understand the different types of income protection policies available to fit with their circumstances

conjunction with YouGov across 9,500 individuals. The findings uncovered large sections of society that teeter on the edge of financial ruin in the event of unexpectedly losing their income, and highlight the key issues affecting them. Whilst discussing the results of the survey, LV= will look at how advisers can interact with their clients to get a positive outcome for these sections of society, and help them understand the importance of protection. As well as looking at the use of sales tools and ideas in the client meeting, we will also look at how advisers can embed that advice. We will also highlight the importance of discussing the additional benefits included within protection products, usually at no extra cost. The key take-outs from this session will be an understanding of the need for income protection, how to identify and engage with existing and prospective clients that fall into the identified risk groups, and the types of product solutions available to protect these clients.

PLATFORM PRESENTATION

13

Why (Illness) Protection? The Risks and Opportunities for Clients and Advisers

Presented by

Protection sales continue to be the poor relation to mortgage and investment sales in the UK but all the former rely on the person being alive and healthy to enjoy the benefits or cover the repayments! This presentation will look at why many people do not buy protection, why they should, and the sales opportunities you have with your clients to promote appropriate cover, focussing on the impact that illness can have. We will use a case study to highlight the financial implications to both the client and adviser of either not having protection or having protection in place.

LEARNING OBJECTIVES By the end of this session the delegate will be able to: n  Fully understand the need for appropriate cover n  Identify opportunities to promote life assurance to clients n  Illustrate how value can be added to the sale n  Understand the differences in illness protection n  Understand how to adapt the sales process to cover the need for life assurance

PLATFORM PRESENTATION

3 MONTHS FREE FOR YOUR REMORTGAGE CLIENTS

#everytime @psladvisers

Visit: paymentshieldadvisers.co.uk Talk to us: 0345 0615 700

For intermediary use only. Paymentshield and the Shield logo are registered trademarks of Paymentshield Limited. Authorised and regulated by the Financial Conduct Authority. © Paymentshield Limited 2018. 01108.

15

Supercharge your General Insurance Sales

Presented by

It’s always hard to predict the future but, regardless of whether properties are owned, mortgaged or leased, the need for appropriate insurance is clearly here to stay. Within our session we will explore the opportunities within the mortgage market for protecting your clients’ family home, how our 3 months free offering works and how we can help you to convert more of your remortgages into additional recurring income for you and your business, whilst ensuring your clients are fully protected. We will share successes from advisers who have integrated general insurance into their business, and talk to you about the range of support we have available for you. No matter where you are with general insurance (GI) we can support you. Don’t ignore what matters most, Talk GI.

LEARNING OBJECTIVES By the end of this session the delegate will understand: n  Real life examples of how advisers have integrated General Insurance into their business, ensuring their clients are fully protected n  An overview of our 3 months free remortgage product and the benefits to your customers n  Paymentshield’s sales tips for selling General Insurance to different segments of the mortgage market

ROUNDTABLE SESSION

Making it easier for you to do business We know how important it is to provide a simple and secure mortgage application process, which is why we’ve invested in a brand new online broker platform. So here are just a few of the reasons why you should use us: • Streamlined end to end mortgage journey • Instant Decision in Principle • Valuations instructed at submission

• Supporting document upload • Single view of individual cases • Real time updates by SMS Visit intermediaries.hsbc.co.uk Talk to your local BDM today Call 0345 600 5847 (open 9am-6pm, Monday-Friday)

Together we thrive

For Intermediary use only. This is not a financial promotion and is not to be disclosed or given to the public. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Issued by HSBC Bank plc. Registered Office: 8 Canada Square, London E14 5HQ. Registered in England - Number 14259. ©HSBC Bank plc 2018. All rights reserved. X2641

17

Making it Easier for you to do Business

Presented by

HSBC UK for Intermediaries has worked closely with Tenet to create a knowledge building session that will be delivered by our experienced team of Business Development Managers. The purpose of the session is to help you understand and fully embed the HSBC UK for Intermediaries proposition. The key subject areas we’ll be covering are: n  New broker platform, providing a simple and secure mortgage application process n  A number of mortgage application journey improvements, making it easier for you to do business with us n  Lending criteria for foreign nationals n  Reasons why you should use HSBC UK for Intermediaries

LEARNING OBJECTIVES By the end of this session the delegate will: n  Understand the benefits of our new broker platform n  Be familiar with the improvements made to the mortgage application journey n  Have an improved knowledge of our foreign nationals proposition n  Recognise the reasons why you should use HSBC UK for Intermediaries

ROUNDTABLE SESSION

For the use of mortgage intermediaries and other professionals only.

OUR SERVICE LEADS THE WAY.

We know what great service means to you and your clients so BM Solutions continues to evolve to meet those needs. We’ve made important changes to make sure we deliver the right lending outcomes for you and your clients. We’ve updated our lending approach to support the increased landlord tax liability and PRA portfolio landlord regulation through broker educational workshops. We’ve also limited your client’s upfront costs by adding free standard valuation and standard legal options with cashback alternatives to our product range throughout the year. Which is why we also lead the way in winning service awards, being the only lender to be awarded the Financial Adviser’s 5 Star Service Award 13 years in a row. But we’re not stopping there. We’re constantly working to develop and maintain what we believe to be the best service in the market. For more information talk to your Business Development Manager or visit bmsolutions.co.uk

Visit bmsolutions.co.uk

If you do not have professional experience, you should not rely on the information contained in this communication, if you are a professional and you reproduce any part of the information contained in this communication to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority’s advising and selling rules. Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Oce: The Mound, Edinburgh EH11YZ. Information correct at March 2018.

Whatever the size of your clients’ savings, see how offset adds up for them. Offsetting is available on our 2, 3 and 5 year fixed rate mortgages as well as our 2 year variable rate mortgages. SHOW YOUR CL I ENTS OFFSET ADDS UP HOW

Find out more at www.scottishwidows.co.uk/mortgages-offset

For mortgage intermediaries and other professionals use only. Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278. 26647 03/18

19

Moving Forward Together with BTL & Offset Mortgages

Presented by

During the session, we will look to explore in more detail the offering from BM Solutions and Scottish Widows Bank. We will take a look at the key changes that have taken place over the last 18 months in the BTL market. As part of this, we will review how those key changes have impacted BM Solutions underwriting, documentation and income requirements. As part of this BM Solutions session we will also give a snap shot of the key areas where you and your clients can still benefit from working with a Financial Adviser 5* winner – the only lender to have won 13 years in a row. We will also cover the offering from Scottish Widows Bank where we will look to discover the benefits of taking an offset mortgage in detail including highlighting the offset calculator and who might benefit. You will also be taken through some of the key areas of criteria that can be utilised as a Scottish Widows Bank Introducer.

LEARNING OBJECTIVES By the end of this session the delegate will understand: n  The key BTL changes & how BM Solutions adapted to those changes n  The key benefits to using BM Solutions n  Who can benefit from offset n  The Scottish Widows Bank offset proposition n  The key benefits to using Scottish Widows Bank

ROUNDTABLE SESSION

Buy-to-let Whether your client is buying or remortgaging, big or small. First-time landlord or property magnate, individual or company. With one single property or a local monopoly. Whether they’ve been in the buy-to-let business for twenty years or twenty minutes. Whether they want to keep growing or simply keep things ticking over. Whether they need basic support or in-depth guidance. Whether they have big visions or modest ambitions. Whether they’re hungry for the next opportunity or just happy to keep things steady. Whether they’re splashers or savers, investors or inheritors and regardless of whether they’re letting a flat in Devon, an HMO in Harlow, a two-bed in Lewes, a new-build in Bournemouth, a townhouse in Kensington, an attic in Islington, a cottage in Yeovil, a house-share in Clapham, or just about anything in between: We’ve got you covered.

Aldermore reason to visit intermediaries.aldermore.co.uk

FOR INTERMEDIARY USE ONLY Allapplicationsaresubjecttoour lendingpolicy,affordabilitycalculationsandunderwriterreview.

AldermoreBankPLC isauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.(FinancialServices Registernumber:204503).RegisteredOffice:1stFloor,BlockB,WesternHouse,LynchWood,PeterboroughPE26FZ.Registered inEnglandNo.947662.ARM379-0118-400496

21

We’ll Help Unlock your Clients’ Ambitions

Presented by

This session will cover our specialist lending expertise and the ways in which we back our brokers through dedicated contacts, team work, fairness and transparent service. We will also give an insight into our products for the self-employed, first time buyers, portfolio landlords, remortgage prisoners and many more. You can also expect to see an overview of ‘what’s new’ such as our residential and buy to let affordability calculators, plus reduced rates and new products across our high LTV and help to buy ranges.

LEARNING OBJECTIVES By the end of this session the delegate will understand: n  What products we have to offer your clients n  How we back you with amazing support, expertly delivered

ROUNDTABLE SESSION

Want to bridge the knowledge gap?

We Can Help bridging finance and complex Buy-to-let mortgages offer, flexible ways to help clients fund property projects. But it isn’t always obvious when they’re useful. Enterprise Finance is one of the largest specialist finance distributors, dedicated to making it easy for brokers. At the Tenet roadshow, Paul Huxter will explain how you can generate great business from property developers and BTL landlords alike. And with a simple referral, we can help you complete any opportunities you get, quickly and easily.

Join Paul Huxter at a live round table Business opportunities with specialist lending

Or call: 020 8731 5333 enterprisefinance.co.uk/video watch our intro video guides, at:

Second Charge Mortgages

Bridging Loans

Development Finance

Commercial Mortgages

Complex Buy-to-let

Enterprise Finance Ltd is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 302964. Certain types of loans are not regulated, for example loans for business purposes or certain buy-to-lets. Enterprise Finance Ltd is registered with the Information Commissioners Office. Registration Number: Z6765361 Enterprise Finance Ltd is registered in England and Wales. Company Number: 04440152. Registered Office Address: 3rd Floor, Premiere House, Elstree Way, Borehamwood, Hertfordshire. WD6 1JH.

23

Business Opportunities with Specialist Lending

Presented by

Specialist lending covers a wide range of products. Two key categories are bridging finance and complex buy to let. These can solve some client challenges, especially when high street options are unavailable, unsuitable or impractical. But how do you spot these opportunities, both to meet client needs and to do good business? During this session, we will outline specific situations where bridging finance and complex BTL can step in, and deliver suitable and appropriate solutions for your clients. Such clients could include homeowners, as well as property professionals – landlords and developers. That’s particularly important as the 2-year anniversary of the big, pre-Stamp Duty BTL spike comes around in March, where novel BTL options like Limited Company lending will come to the fore following tax and PRA regulatory changes. We will also explain how to introduce these to your clients, who may not have come across them before, explain the benefits to them and prepare them for a successful application process that will include how you and your client can work with a specialist finance distributor like Enterprise Finance.

As a result, you will have the skills and confidence to recognise business opportunities where specialist lending can help fill a client need, and to start doing this kind of business yourself. LEARNING OBJECTIVES By the end of this session the delegate will understand: n  What bridging finance is n  The seven occasions when bridging finance can help your clients n  What complex BTL is n  The six occasions when complex BTL can help your clients, including limited company lending n  Key points when explaining bridging loans and complex BTL to clients

ROUNDTABLE SESSION

0800 121 7788 coventryforintermediaries.co.uk

Reasons to do BTL business with Coventry for intermediaries

With service that wins awards, we offer intermediaries the product range and expertise of the third largest buy to let lender in the UK.

We have no minimum income requirement or minimum employed period.

Our simple ICR policy is based on income threshold and product term.

We have a straightforward approach for portfolio landlords. There’s just one additional form to complete and we don’t ask for a business plan.

We’ve increased our BTL lending age to 85 years (at the end of the mortgage term).

Flexx Fixed and Flexx for Term offer complete flexibility – no ERCs, unlimited overpayments and your clients can transfer to another product at any time (subject to lending criteria).

We pay proc fees of 0.30% for all product transfers and our open transfer policy means we offer all our new business products too.

Proc fees 0.30%

For more information, call us on 0800 121 7788 or visit coventryforintermediaries.co.uk

FOR INTERMEDIARY AND PROFESSIONAL FINANCIAL ADVISOR USE ONLY. Our mortgages are provided by Coventry Building Society and/or Godiva Mortgages Limited. Coventry for intermediaries is a trading name of Coventry Building Society. Coventry Building Society. Principal Office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN. Godiva Mortgages Limited. Registered Office: Oakfield House, Binley Business Park, Harry Weston Road, Coventry CV3 2TQ.

25

The Benefits of Offset Mortgages and Positive Changes to BTL Offerings

Presented by

It’s a common myth that to reap the benefits of offset, a client has to save hundreds of pounds each month. The reality is that even tucking away a small amount offsets the amount of mortgage interest they’ll be charged and helps them reduce the term of the mortgage, their monthly mortgage payments, or both. And there’s no requirement to save regularly. Coventry for Intermediaries will dispel some of the preconceptions surrounding offset and tell you why it represents a great opportunity in the residential market at the moment. We will also talk about some of the changes Coventry for Intermediaries has made to its BTL criteria, such as developing a straightforward ICR policy based on income threshold and product term. The minimum income and minimum time in employment requirements have been removed, so the products we offer are available to even more people. And we’ve also developed a simple online application for portfolio landlords, whilst keeping all of our standard BTL policies the same.

LEARNING OBJECTIVES By the end of this session the delegate will understand: n  The benefits of offset mortgages to customers n  The changes to BTL policy to reflect taxation and regulatory changes n  The easy to understand portfolio BTL policy and process n  The USP’s of Coventry’s BTL proposition

ROUNDTABLE SESSION

Retired couple, want to buy their council property.

Zero hours worker seeking shared ownership property.

Wants a small residential mortgage on an unencumbered property.

Many types of client one common sense approach

Works part time, wants to buy a 12th floor flat.

Self-employed, imperfect credit, looking to buy barn conversion.

As a specialist lender, we take an individual view of every case. So, when your client needs a residential mortgage involving non-standard property, purchase, income or credit, or even a combination of all four, we’re here to help. It’s simply the difference between common practice and common sense. Call us on 0161 933 7170 or visit togethermoney.com/intermediaries

This advertisement is intended for professional intermediary use only and must not be distributed to potential clients.

27

Together’s Common Sense Approach to Residential Mortgages

Presented by

At Together we’ve been using our common sense approach to lending to provide solutions to client specialist lending needs for over 40 years. Come and hear about how we can help in cases that involve non-standard property, purchase type, income or credit, or any combination of these. We’ll also take a closer look at how we can help your self-employed clients when it comes to looking for a residential mortgage as we: n  Take into account more than a typical loan- to-income ratio n  Consider self-employed customers who have been trading for only 12 months n  Look at all income sources when assessing affordability n  Offer interest only options on both first and second charge mortgages You’ll also be able to hear about some typical client scenarios, where we’ve helped even in the more unusual situations.

LEARNING OBJECTIVES By the end of this session the delegate will: n  Have a greater understanding of who Together is n  Understand how Together can help your customers, especially those that are self-employed n  Be comfortable with Together’s core features and benefits n  Know where you can find additional support from Together

ROUNDTABLE SESSION

CAN’T FIND THE RIGHT FIT?

Whole of market second charge panel Lenders with no maximum LTV | Buy-to-Let Options Unsecured Panel of Lenders Over 40 years experience | Advise or Introduce

“We have a great relationship with Norton. It has been a breath of fresh air dealing with such a professional and efficient organisation.”

01709 321665 | [email protected]

THIS INFORMATION IS FOR INTERMEDIARY USE ONLY & SHOULD NOT BE DISTRIBUTED TO POTENTIAL BORROWERS

29

Secured Loans – The Hidden Opportunities

Presented by

Norton will recap on the FCA requirements with regards to secured loans; including changes that have happened since the introduction of Mortgage Credit Directive and what needs to happen to continue to present secured loans as a viable option for customers from all walks of life. We’ll also discuss the benefits of using a master broker. We feel that there are still plenty of opportunities available through a master broker; which feeds into the two ways brokers can submit cases over to NBS: by advising or introducing the case. We will discuss the process of each route and provide brokers with information, so they can determine which would best suit their business style. Norton will discuss the different products across our whole-of-market panel of 19 secured loan lenders, the various products will be examined and we will run through how this range of products can help customers from all financial backgrounds. We will also examine how to source secured loan deals and discuss the benefits of using a sourcing system when discussing secured loans with your clients.

Finally, Norton Broker Services will also address unsecured loans; how these can be used to help both homeowners and tenants, and run through the benefits of these if a customer isn’t looking to secure against their property. LEARNING OBJECTIVES By the end of this session the delegate will understand: n  The requirements of the FCA with regards to secured loans n  How a master broker could add value to your business n  The key products that are available in the second charge marketplace n  How to submit a case to Norton Broker Services and the different routes you can take n  Personal loans – an added tool to your armoury

ROUNDTABLE SESSION

JOIN THE REVOLUTION

5 REASONS TO DO BUSINESS WITH US: • 20% overpayment allowed (of the initial amount borrowed) on residential mortgages

• Joint borrower, sole proprietor – both Residential and Buy-to-Let • Terms up to a maximum age of 80 • Contract workers from all industries considered – not just IT • Top slicing from earned income to support Buy-to-Let applications

For more details visit metrobank online.co.uk/intermediaries or call 0203 427 1019

This is intended for professional intermediary use only and must not be distributed to potential clients.

Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. ‘Metrobank’ is the registered trade mark of Metro Bank PLC.

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Love your Bank at Last

Presented by

Do you want to learn more about Metro Bank and how we can help grow your business? Metro Bank’s vision is simply to revolutionise banking by creating FANS not customers. Building an amazing intermediary mortgage business is vital to our success. We have a strong deposit base, helping us to continue lending with confidence to help you grow your business. Our session will help you understand how we can support you and your clients. It will help you understand how Metro Bank can help with those tricky cases, increase your knowledge around Metro Bank’s USPs, as well as help you assist those clients who you have had to say no to before. We will also help you understand our quick and simple online process which makes the journey as smooth as possible for both yourself and your clients.

LEARNING OBJECTIVES By the end of this session the delegate will have: n  Learnt about how Metro Bank can help you grow your business n  An understanding of Metro Bank’s USPs n  An understanding of how we can support you

ROUNDTABLE SESSION

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