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Latest from the Adviser forums

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Yesterday, 6.14 pm Going up? All i've had over the last couple of weeks is reduction emails. Why on earth would lenders stop lending? Bizarre take
Yesterday, 5.14 pm I have a case on my desk now. There are a couple of red flags, all have plausible explanations. But all combined seem a bit "unusual".  I rang the lender and basically said I have a case, I have nothing to say it is dodgy but 14 years that says this is a but unusual and unusual norma...
Yesterday, 4.42 pm I have an uneasy feeling that as in Covid,lending is going to shut down shortly , mortgage rates keep going up . As Jamie blue says it’s all due to The Donald 
Yesterday, 4.26 pm If yer man was going to generate a fair amount of leads then he'd already be self-emp, or want to be self-emp within your firm. Yes, i'd be wanting them writing £84K+ per annum before they'd qualify for anything. In my experience though, employed advisers are not hungry like the ...
Yesterday, 4.21 pm Apologies anon... We are looking to employ a new adviser or 2. We already have SE advisers but we don't want to follow that route any more, I have someone interested, he already networks and and some decent connections so will imagine he will generate a fair amount of biz themselves. We will...
Yesterday, 4.08 pm Thanks guys, really helpful.  I did a bit of further digging around on Facebook and now feel like a bit of a stalker! Although he told me that he was a builder, he's actually got a listing on an agency site from late last year putting him down as a "senior project manager, working in ...
Yesterday, 3.12 pm Builders earn between £250 & £350 per day. Some skilled professionals like electricians and plumbers can earn more. If the company he works for is taking on large contracts they can afford to pay more to retain skilled workers. If he is a site manager £60k is not out of ordinar...
Yesterday, 2.58 pm if you have 12 months of income proof then might be easier to just call it zero hour?  HSBC bdm told me to do that if a case has awkward income as it is the path of least resistance. 
Yesterday, 2.54 pm What does the employee say? If he says casual basis then it's more or less Zero Hour If he earned £15,000 last year and scheduled to ear £18,000 could it not be just basic PAYE with a pay rise this year. What do the pay slips say just basic pay or basic pay + OT + out of pocket expe...
Yesterday, 12.14 pm Does anyone know how Stonebridge's procuration fee structure works in practice? With most mortgage clubs, the club retains around 0.20% to 0.50% of the gross procuration fee and the adviser receives the remainder. I'm trying to understand whether Stonebridge applies an initial retention ...

Latest from the Provider/Adviser forums

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Yesterday, 3.42 pm When Chris Arnold from Penguin Wealth approached Buckinghamshire Building Society with a complex residential case, the Society's relationship-led approach and experienced underwriting team helped turn a challenging application into a successful outcome. The case involved a couple in their 50s and 6...
Yesterday, 11.37 am Buckinghamshire Building Society has launched a new residential affordability calculator for mortgage brokers, designed to provide a more accurate indication of lending potential while reflecting the Society's specialist approach to underwriting. Developed in partnership with web development agency...
Yesterday, 11.03 am One free day: 20th October. Find lenders, products and ideas that help you win more business.  CPD seminars.  Complimentary lunch.  Bank of England Keynote.   Practical ideas you can use tomorrow.The established Expo for financial intermediaries is free to attend - register ...
Yesterday, 10.52 am  Morning all, Pleased to share that TRY Mortgage Network's new website is now live: https://www.trymn.co.uk/ Every adviser's journey looks different. Some are newly qualified and finding their feet. Some are established and building toward something bigger. Some are comfortable, ...
Yesterday, 10.18 am The Right Mortgage & Protection Network has today (27th August 2026) announced the appointment of Drew Wilson as its new Specialist Lending Development Manager. In his role, Drew will report to Head of Lending, Victoria Clark, working with TRM member firms and their advisers across the speciali...
Yesterday, 9.21 am A new report from Yorkshire Building Society (of which Accord Mortgages is the intermediary-lending arm) highlights that many first-time buyers believe it would be difficult for them to get a mortgage. No Way Home? Restoring Britain’s Housing Ladder[1] – shows this growing perception re...
Yesterday, 8.50 am Darlington Building Society has supported a first-time buyer to secure a residential mortgage using pension income, in a case that shines a spotlight on the importance of manual underwriting in later-life lending cases. The applicant, a UK-based borrower approaching retirement, was looking to step ...
Yesterday, 7.30 am iamproperty has become the newest member of the Open Property Data Association (OPDA), joining its mission to transform the home buying and selling journey. The Newcastle-based business is the latest firm to join the ranks of the OPDA, reflecting the growing industry momentum to modernise property ...
Yesterday, 7.00 am 37 per cent have increased heat-related investment, with 23 per cent considering it Cooling equipment, including air conditioning and ventilation, is the most common investment priority (28 per cent) Barclays anonymised client data shows that air conditioning suppliers saw cash inflows increase ...
Wednesday, 3.13 pm           View in browser Call me 020 3797 2746...

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