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Latest from the Adviser forums

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Today, 8.53 pm Yes the employer has to run a Tronc payroll. Restaurants and other hospitality  organisations are supposed to do this. They have a normal payroll for staff wages and another payroll for tips.  Both incomes are legit. 
Today, 8.40 pm Are premiums guaranteed?  In reply to OP what does the client want and why do you want to flog Vitality? Agree with Swindon's Finest. Vitality quote always comes o top as being the cheapest but with various conditions which means the client will end up paying more in premiums over the ter...
Today, 8.35 pm The law dictates that Uber drivers are neither employed nor "fully" self employed. instead they are classed as workers means they get holiday pay and access the auto enrolment pension. Amazon drivers are classed as fully self employed. However for tax purpose they are classed self employ...
Today, 8.20 pm This is for the new generation, Gen Z in particular who cannot function without a screen and a keyboard, they seem to be on it while eating drinking and having a shit. Technology will deliver a result which they accept a gospel without having the ability think otherwise. 
Today, 4.59 pm Well, by collapse i mean all those Billions invested will vanish and everyone pension pot will drop by 10-15%. The dude who makes the graphics cards and the likes of Microsoft will be fine. I agree, its a useful tool, but there’s scant evidence that its actually going to become sentient, take...
Today, 4.45 pm Hmm. I don't imagine it will collapse/disapear; it will become a mundane tool we hardly notice or interact with directly. Our CRM AI can verbally answer questions or talk to us about our clients and their mortgages. I've never found a use for it, what amazing technology but.. 
Today, 4.19 pm Had a chap into see me today who has worked for Uber Eats for fourteen months and was convinced he was employed. He is not: he is a self employed contractor. Got to get him registered by 05.10.2026, so that was good timing! Anyway, he used to work for Amazon as a driver and  swears that Uber w...
Today, 3.45 pm I have an A level in IT. I can code minor bits (albeit badly).  Last week I spent 15 minutes going over a website to work out what this system did and I was still scratching my head. Im not the best person with IT but im certainly not a layman.  I cant even remember the site now. 
Today, 3.40 pm When I sell Vitality (seldom as the optimised version) I state that the preference was to know exactly what the costs are  for the decreasing term.  If it is income protection or level term, I add indexation as an option so that means that future premiums are under the clients' control...
Today, 3.35 pm   oh I think Ive found it referred to as "Tronc Payments" in criteria brain.  

Latest from the Provider/Adviser forums

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Today, 8.11 pm Not counting to chickens yet. 
Today, 7.37 pm Beth Rudolf, Director of Delivery at The Conveyancing Association: “The Conveyancing Association very much welcomes the Government’s commitment to regulating property agents. Estate agents are a key part of the home moving process but, unlike many of the other professionals involved, th...
Today, 2.24 pm We wanted to let you know that we’re making the following changes on Wednesday 30 September. Purchase 2 year fixed rates will be increased by up to 0.13% 5 year fixed rates will be increased by up to 0.11% Shared Ownership fixed rates will be increased by up to 0.13% Remortgage 2 y...
Today, 11.52 am Nothing changes, as I see it. Lenders are still stifling the market with affordability restrictions and income multiples. For example, 5 × an annual salary of £40,000 is still only £200,000 — and down south, that level of borrowing simply isn’t going to cut it. I suspe...
Today, 11.30 am Glenhawk, the specialist property lender, has completed a £1.9m regulated bridging loan, giving a borrower additional time to market and sell a converted barn in Watford. The facility was secured against the residential property at 66% loan-to-value (LTV) and used to repay both a first and se...
Today, 10.29 am In new research* from Suffolk Building Society, 61% of intermediaries said their clients were concerned about striking the right balance between helping children, grandchildren, or other family members whilst planning for their own retirement and future. Almost half (47%) of brokers said that raisi...
Today, 10.26 am Pallas Capital has completed a £3.9m development loan to refinance the completed first phase of a developer's residential scheme near Market Drayton, Shropshire, and fund construction of the scheme's second phase. The 16-month loan, structured at 65.5% LTGDV, refinances the completed first ph...
Today, 10.04 am John Phillips, CEO of Just Mortgages and Spicerhaart, said: “Given it is prime holiday season, we shouldn’t be too surprised to see mortgage approvals dip in August – especially when you also consider the headwinds the market has been battling. While we did see some positive movem...
Today, 10.02 am 88% of landlords are concerned about the 2% rise in income tax rates on personally held rental properties 64% say they will look to recoup losses through higher rents 83% say tax and regulatory changes will make them more selective about the tenants they let to 91% are concerned about potential...
Today, 10.00 am Alex Beavis, Interim Director of Banking at LHV Bank, responds to latest Bank of England Money and Credit report for August 2026: “That Brits are succeeding in putting more money aside is hugely encouraging. Household budgets are under strain, with inflation rising once more, so it would be e...

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29/09/2026 The Conveyancing Association comments on Government confirmation of the regulation of property agents
29/09/2026 Virgin Money - We’re increasing residential fixed rates
29/09/2026 Glenhawk completes £1.9m regulated bridge in Watford
29/09/2026 Despite concerns about their own retirement planning, 63% of later life clients borrow to help family members, say brokers
29/09/2026 Pallas Capital completes £3.9m refinance to unlock second phase of Shropshire development
29/09/2026 Just Mortgages comments on BoE Money and Credit
29/09/2026 Leave landlords alone: further Budget costs risk being passed on to tenants
29/09/2026 Bank of England Money and Credit report - savings are up by £4.7bn. Response from LHV Bank
29/09/2026 Phoebus reacts to Money & Credit data
29/09/2026 LiveMore launches unlimited overpayments and increases LTVs

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