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Latest from the Adviser forums

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Today, 6.42 am	As most of you are now aware Cherry is BACK. I spoke to them ref this yesterday and apparently there was a major issue with their system/software. Hopefully it won't happen again but glad it's resolved.
Yesterday, 7.13 pm	I can beat that... Affordability calc - figure 1. DIP - figure 2 - lower! Re-dip - figure 3 - lower again! Application goes in... Initial assessment - figure 4 - you guessed it, lower yet again. Gets to an underwriter - figure 5 - lower yet again. Goes to offer - hoo...
Yesterday, 6.38 pm	Maybe not then, (Sorry if I jinxed it for you TH), last case I submitted to them drove me crazy. Was a BTL Portfolio - They reduced the loan amount at underwriting stage because they couldn't correctly use their own affordability calculator, it took them about a month to come back to me ...
Yesterday, 6.18 pm	Sooo it turns out they cant use common sense. Knowing full well his income has gone up otherwise he would be paid less than minimum age and wont use minimum wage as hsi income. I added a note to say can you either use minimum wage for his income or just issue the offer if they need doc...
Yesterday, 6.04 pm	Thank you all. I'm going between 35%-40% of Proc only (depends on what I'm told Monday). Thank you.
Yesterday, 5.06 pm	So sounds like Aldermore have improved a lot over the past year on their turn around times?
Yesterday, 5.04 pm	If there's a BTL mortgage involved it won't matter if its his first home or not. He'll have to pay the additional stamp duty.
Yesterday, 4.40 pm	Do not, under any circumstances, share any of the proc with the absolute w*nk Tell them that, by using you and for no fee, you'll monitor the rate right through until the start date and change it if Paragon reduce rates. You can do this right up until the last minute with them. Paragon sure as ...
Yesterday, 4.32 pm	Can anybody that has had a recent app in with the FCA please let me know how long you waited from app submission to being allocated a case officer? Many thanks
Yesterday, 3.45 pm	Damn cheek! If they go direct they will get nowt, if you do it for them, they also get nowt, so same difference... the benefit to them is your expertise and time saving in dealing with it on their behalf. Sounds a lot like the client is blackmailing you!

Latest from the Provider/Adviser forums

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Yesterday, 3.12 pm	Just used Skipton and Leeds BS for some RTB applications which fell outside what I would consider mainstream lending. Leeds completed today Skipton sometime next week. Just used Vernon for a RIO mortgage on an 87 year old which also completes next week after issues with solar panels. Looking ...
Yesterday, 10.52 am	Consultation, AI blog, Compensation award limits, Plans and Budget 2026/27 View in browser ...
Yesterday, 10.30 am	House prices remained broadly stable in April House prices edged down -0.1% in April, following a -0.5% fall in March Average property price now £299,313, compared with £299,609 in March Annual growth slowed to +0.4%, from +0.8% in March Northern Ireland continues to record the str...
Yesterday, 9.55 am	Yorkshire Building Society has reorganised its Homes division to further strengthen its well-established broker offering. The new-look division brings together residential, buy-to-let and commercial lending under a simpler operating model. The changes are designed to support future growth and provi...
Yesterday, 9.52 am	InterBay, the specialist commercial lender and part of OSB Group, has made rate cuts across selected limited edition products. These cuts apply to the commercial investment and semi-commercial limited edition ranges and feature 50 bps off the 2-year fixed-term mortgage and 20 bps off the 5-year fix...
Yesterday, 9.38 am	Eden Conveyancing has released the Smart Home Movers Guide 2026. It’s been written by Eden’s team of conveyancing experts after helping thousands of home movers and hearing the same universal pains and challenges come up again and again. People told us they felt unsure, overwhelmed and o...
Yesterday, 9.34 am	Vida Homeloans has announced an expansion of its lending proposition, with the reintroduction of 20 products to its residential range alongside the relaunch of its buy-to-let (BTL) range, strengthening support for intermediaries and their customers. The expanded residential range includes Fee Saver...
Yesterday, 9.22 am	SDKA has completed two Residential bridging loans on the same day for a client requiring £995k to refinance five properties and raise further capital for an onward purchase. Both taken from initial enquiry to completion in only 15 working days, the first application was taken in a personal nam...
Yesterday, 9.17 am	The Right Mortgage & Protection Network (TRM) has today (8th May) announced Gatehouse Bank has joined its panel. As of today, TRM advisers will now have access to Gatehouse Bank’s Shariah-compliant home finance products, including residential Home Purchase Plans (HPP) and buy-to-let produ...
Yesterday, 9.13 am	JammJar has announced a new partnership with Entrust, a global leader in trusted identity-centric security solutions, that enables mortgage brokers to complete secure, automated identity verification checks directly within the JammJar platform. The integration enables advisers to initiate and compl...

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08/05/2026	EA meeting \| FCA Report \| Rello Conveyancing \| Guardian \| Stamp Duty
08/05/2026	Source Insurance Halves Adviser Quoting Time
05/05/2026	Going DA with historic IVA? \| Life/IP \| Biggest case ever \| Juno Sols \| Protection providers
01/05/2026	Protection policy valid? \| Mtg Metrics \| Ex pat BTL \| Looking for DA firm \| Lloyds
30/04/2026	Awful day! \| Avoidance or evasion? \| Life, IP & GI \| Rate tracking \| Barclays 3.96%
29/04/2026	Complaint: Who's at fault? \| Life/IP possible? \| ER leads \| Conveyancing quotes
28/04/2026	Client debating fee \| L&C EAs \| Lending on solar panels? \| FCA Return \| April
27/04/2026	Taking business away? \| Fraud/ML \| HSBC commercial lending \| LTA loading
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Date	Subject
08/05/2026	Halifax House Price Index - April 2026
08/05/2026	YORKSHIRE BUILDING SOCIETY STRENGTHENS HOMES DIVISION TO ENHANCE BROKER SERVICE AND SUPPORT FUTURE GROWTH
08/05/2026	InterBay makes up to 50 bps cuts across limited edition products
08/05/2026	Eden releases the Smart Home Movers Guide 2026
08/05/2026	Vida Homeloans expands residential product options and relaunches BTL product range
08/05/2026	SDKA completes £995k multi-property bridge across two applications
08/05/2026	Gatehouse Bank added to The Right Mortgage panel
08/05/2026	JammJar partners with Entrust to deliver in-platform identity verification for brokers
08/05/2026	Inspired Lending completes £240k refinance and capital raise for UK expat borrower
08/05/2026	Castle Trust Bank launches EPC Uplift Bridge

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