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Today, 8.42 pm Yes but what happens if the client dies suddenly? Income protection could replace CIC to an extent but sudden death is not uncommon.  Basically there is a need for: B&C insurance - Sbject to IPT Car insurance - Subject to IPT Holiday insurance - Subject to IPT life insurance to cover d...
Today, 8.15 pm Sorry - this is the wrong thing to do - even if they can do it. Why do they need 58%???   The PoA's need to speak to their Local Authority - they should have a system in place for Deferred Care Fees - the Local Authorty will pay them and register a charge over the property. When it is so...
Today, 8.06 pm Life insurance is the easy sale, not the most important.  What is a client more likely to claim on? (Income Protection) THAT is the most important sale. So maybe look inward if you are doing loads of life policies but barely any income protection.   
Today, 5.51 pm You are wasting your time asking the FCA from experience they don't have a clue most of the time.  I've often been given different answers  -just proves how unclear the rules are and why different people have different opinions.   If you're paying Paradigm for complia...
Today, 4.16 pm Regulated Bridge 2 brothers, with Power of Attorney over Mother who is in care, no mental capacity. The property is being sold. Offer accepted, but there is a chain so no Exchange/Completion Date yet. She currently has savings,  and a pension but is running out of funds to cover the care home...
Today, 3.16 pm wow thats a passionate response, not arguing with you but for me its not just about people advising its giving good advice, too many people just offer the same thing to everyone and hope they take it rather than giving good advice.  Yes life insurance can be simple but when its not if you'...
Today, 3.12 pm Harsh but fair.  We have had a number of clients claiming on cover and they are always so grateful they had something in place.
Today, 3.08 pm Sorry missed your email, since the FSA started in 2004. We have always been advised that you need to 1) inform the clients that there are other options, Bankruptcy, IVA, DMP or secured loans. Obviously if they are squeaky the first 3 are not an option. Secured loans are always more expensive but yo...
Today, 3.07 pm I seriously cannot get my head around how someone on here can call themselves a financial adviser or whatever title you have, and not advise on life assurance.  Its the simplest product you will do and is the most important thing you will ever do for your client.   If you are doing a...
Today, 2.59 pm As has been said - depending on your set up and likely cases - it probably is not needed, except 1) Some Lenders automatically require adviser firms to have it (just in case). 2) It's possible a random future case WILL need the permissions. Probably easiest to have it therefore?   (Alo...

Latest from the Provider/Adviser forums

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Today, 5.11 pm SmartSearch warns regulated firms must move beyond static compliance checks as Kremlin-backed network demonstrates how sophisticated sanctions evasion can exploit legitimate financial infrastructure FT investigation finds A7 funnelled more than $6.9bn through the international banking system desp...
Today, 2.20 pm Wow - just think of all those arrangement fees being wracked up....   Land Bridge... into a Development Bridge... and no doubt a roll over bridge in 20 months time.....
Today, 1.22 pm Pivot has completed a £6.6m ground-up development facility at Oast Farm in Hever, Kent, to fund 13 design-led homes. The loan refinances the existing Pivot bridging loan and provides funding for the development through to practical completion and sale, keeping the scheme under a single lender ...
Today, 12.29 pm New Uppermill branch marks the first step in the Society’s ambitious plan to establish a presence in all Greater Manchester boroughs The Vernon bucks the trend for high street banking closures with a refreshing commitment to bring face-to-face savings and mortgage services to underserved c...
Today, 12.27 pm This particular Family Office's Bridging Finance and Development Finance loans are provided on a “Net” basis, with interest added, giving you that maximum lon amount on Day 1. 75% LTV net on Bridging65% LTGDV net on Development Up to 100% LTC net on Development100% of Purchase Price net...
Today, 11.15 am We wanted to let you know that we’re increasing the following Clydesdale Residential and BTL fixed rates on Wednesday 23 September. Core Residential Product Transfer Rates 2 and 5 year fixed rate products will be increased by up to 0.19%. BTL Product Transfer Rates 2 and 5 year fixed...
Today, 10.19 am With effect from Wednesday 23rd September, we’ll be making a number of increases across our residential and BTL mortgage rates. Please note, if an application is no longer proceeding, you can use the ‘Cancel’ button on your broker dashboard to cancel the case. Click here to view ...
Today, 9.28 am Andrew Gething, managing director of MorganAsh, said: “The FCA’s final report makes clear that closing the protection gap is not simply about getting more people to buy protection. It is about making sure people can recognise when protection is relevant to their circumstances, understan...
Today, 9.24 am VAS, the UK's leading panel manager of valuation reports for specialist lenders and challenger banks, has launched a complete overhaul of its lender and broker dashboards — an update that significantly improves user experience. The rebuild gives lenders and brokers full oversight of their val...
Today, 9.20 am New identity follows Acre’s acquisition by ClearScore, as the fintech giant places Acre’s all-in-one mortgage platform at the heart of its home lending strategy 22 September 2026: Acre, one of the UK's fastest growing intermediary platforms, has today announced a new name and brand ide...

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22/09/2026 Vernon Building Society begins regional expansion with first community branch in Saddleworth
22/09/2026 Privately Funded lender's "NET" Bridging proposition!
22/09/2026 We're increasing Residential and BTL Product Transfer rates
22/09/2026 HSBC - We’re increasing our rates
22/09/2026 FCA protection study: Vulnerability assessments could transform how protection needs are identified, MorganAsh
22/09/2026 VAS launches new and improved lender and broker dashboards in major platform release
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22/09/2026 AMI to lead FCA drive to strengthen protection advice

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