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Today, 4.51 pm Shes not after a mortgage, its a mortgage capacity letter. I dont think a SAR is necessary, its not some big fraud case. I think it is just someone claiming something they shouldnt. 
Today, 4.32 pm Just curious. What is the monthly running cost using Calude.  I had someone who wants to help me build agentic AI. Which involves running the whole system 24/7. Apart from the energy cost I am not keen on leaving my hardware on all night when I am not in the office.  
Today, 3.34 pm Well you can call the Benefit Fraud Hotline on 0800 854 440 - but unless they are delclaring the Tax etc - a SAR is probably a good idea too!   It does seem unusual (paying fees from a Business Account) - but there could be a valid reason they have done that.... but I bet its Benefit Fraud to...
Today, 2.56 pm I am not doing a mortgage for this person so I do not think it would be a SAR but I am not sure what I should be doing in this case.  I have a customer who has told me they have no income and relying on benefits. But when it has come to pay me, they have paid from a business bank account (the ...
Today, 2.03 pm Great question and one that I had from the outset. The process runs locally (I chose via a browser) through a locally stored HTML file and the spreadsheet stays on your device. No data is uploaded or shared at all.  It runs without a web connection unless you require elements like postcode addr...
Today, 1.53 pm A genuine question (and one that, on top of current workload, is stopping me experimenting in Claude or similar) - when using the free versions (and possibly paid) what happens to the personal data moved from the CSV file to the new factfind blank (other than the copying process) ? 
Today, 1.42 pm I've started to build a fact find in Claude and I'm quite blown away so far. As a starting point you can upload an existing blank fact find or it will pull a generic fact find from the web. I've spent a fair few hours tailoring it to suit and I'd say I'm about halfway through. In...
Today, 9.48 am barclays, natwest, halifax
Today, 9.06 am Barclays used to do these 
Yesterday, 5.29 pm I designed my own fact find, it's word document, over the years I have amended it to include all the possible questions that a lender would ask. I just email it to them. Rarely has it been fully completed so I have to call them and get the required information. Personally I think it has helped m...

Latest from the Provider/Adviser forums

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Today, 5.10 pm   View in browser Call me 020 3797 2746 ...
Today, 5.07 pm We wanted to let you know that we’re making the following changes on Wednesday 4 November. Purchase 2 year fixed rates will be reduced by up to 0.12% 5 year fixed rates will be reduced by up to 0.13% Shared Ownership fixed rates will be reduced by up to 0.10% Remortgage 2 year fixe...
Today, 5.05 pm The Mortgage Works is expanding its limited company buy-to-let range with the introduction of new fixed and tracker products for new and existing customers. For new landlord customers, The Mortgage Works is introducing a two-year tracker at 4.49%, available up to 75 per cent loan-to-value (LTV) wit...
Today, 2.18 pm Reductions of up to 0.15 percentage points for new and existing customers across first-time buyer, home mover and remortgage fixed rate ranges Nationwide’s lowest fixed rate now 4.89% for new and existing customers looking to move home Nationwide is cutting rates across its fixed mortgag...
Today, 12.38 pm Pegasus Insight’s 15-year comparison reveals an ageing landlord population and changing borrowing needs, with implications for lenders’ products and risk appetite Landlords are experiencing a crisis of confidence despite resilient financial performance, with research presented today by ...
Today, 11.27 am Pallas Capital has completed a £10 million refinance of Dumbleton Hall, a 34-bedroom country house hotel in the Cotswolds. The facility will support the hotel through its trading ramp-up, only months after it reopened in April 2026 following an extensive renovation. Set within 16 acres of gro...
Today, 11.24 am Policy and tax changes are playing an important role in decisions made by holiday let owners about their future in the market, according to new research from Cumberland Building Society. The Cumberland’s inaugural Holiday Let Index suggests that owners are having to respond to a series of cha...
Today, 11.18 am With the Chancellor looking to launch a Starter ISA to get Britain investing, new figures from Be Clever With Your Cash reveal what’s currently holding people back from putting money in the markets. More than half (54%) of Gen Z adults say the main thing stopping them from investing, or inves...
Today, 8.41 am Fleet Mortgages, the buy to let specialist lender, has today (3rd November 2026) announced the launch of a new range of five-year fixed-rate products with 5% product fees, providing advisers and their landlord borrower clients with further options to meet ongoing affordability requirements. The new...
Today, 8.37 am In response to the Autumn Budget and the new Your First Home scheme, a new very competitive Developer Exit product has launched. Solely for Developers delivering homes to meet the first-time-buyer criteria, and for Residential Developments which have reached Practical Completion: Up to 75% LTVMini...

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03/11/2026 Nationwide cuts fixed mortgage rates for first-time buyers, home movers and people remortgaging
03/11/2026 Landlords face crisis of confidence despite resilient profitability
03/11/2026 Pallas Capital completes £10m refinance of Cotswolds hotel Dumbleton Hall
03/11/2026 Cumberland Holiday Let Index: Nearly three-quarters of holiday let owners influenced by council tax premiums
03/11/2026 Gen Z almost twice as likely to be held back from investing by fear and confusion as by lack of money
03/11/2026 Fleet Mortgages launches new five-year fixed-rate products with 5% fees
03/11/2026 75% LTV Developer Exit loans at 0.65% pcm for eligible schemes

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