Mortgage Solutions

Francesco Di Pietro is joined by Neil Wyatt, Chief Commercial Officer at Mortgage Brain, and Phil Daffern, Head of Lender Relationships at SimplyBiz Mortgages, to explore what's next for the mortgage industry and how brokers can adapt to an increasingly digital and evolving market.

Together, they discuss the growing role of artificial intelligence (AI), how technology can improve efficiency and enhance the customer experience, and the importance of responsible AI adoption. They also explore how stronger customer relationships, better use of connected technology and closer broker-lender partnerships can help advisers retain clients, identify new opportunities and future-proof their businesses.

Francesco Di Pietro is joined by Anthony Rose, CEO at LDN Finance, and Richard Merrett, Managing Director at Alexander Hall, to explore the opportunities and challenges facing the larger loans and complex lending market.

Together, they discuss how Stamp Duty, the proposed high-value Council Tax surcharge and changing buyer confidence are influencing the higher-value property market. They also explore the challenges of assessing complex income structures, from bonuses and share schemes to retained profits, and the importance of specialist advice, flexible lending criteria and strong broker-lender relationships in supporting clients with more complex mortgage needs.

For intermediaries only.

Francesco Di Pietro is joined by Mark Pender, Director at MAB New Homes, and Greg Cunnington, Head of Strategic Accounts at Legal & General Mortgage Services, to explore the changing new build market and what it means for brokers and their clients.

Together, they discuss life after Help to Buy, the affordability and deposit challenges facing buyers and whether the perceived ‘new build premium’ tells the whole story. They also explore the importance of specialist new build knowledge and how brokers, lenders and developers can work together to help more clients navigate the new build mortgage journey.

Although this episode was recorded before the proposed Your First Home scheme was announced, the discussion explores many of the challenges that continue to shape the new build market, from affordability and deposits to access to homeownership.

Francesco Di Pietro is joined by George Yerou, Head of Mortgage Sales at Freelancer Financials, and Matt Coulson, Founder and Managing Director at Heron Financial, to explore self-employed mortgage lending and how the changing world of work is influencing the mortgage market.

Together, they discuss the realities of supporting self-employed borrowers, from understanding different income types and placing cases that do not fit neatly within standard criteria to the role of technology, experienced underwriting and strong broker-lender relationships. They also explore how building expertise, reputation and trusted referral relationships can help brokers grow their self-employed business. Email - Self-employed

For intermediaries only.

Francesco Di Pietro is joined by Kathryn McGee, Data Science Manager at Newcastle Building Society, and Rachel Geddes, Strategic Lender Relationship Director at Mortgage Advice Bureau, to explore how mortgage affordability is changing.

Together, they discuss why affordability is about more than just a number and how lenders and brokers can respond to increasingly varied borrower circumstances. Topics include the role of data, personalised affordability, lender flexibility and product innovation, and how evolving approaches to affordability can help deliver the right outcomes.

First-time buyer mortgages: affordability, deposits and advice for brokers. Francesco Di Pietro is joined by Paul Broadhead, Head of Mortgage and Housing Policy at the Building Societies Association, and Ben Riley, Director at First Mortgage. Together, they explore the challenges facing first-time buyers, the options available across the market and the role brokers play in helping more people achieve home ownership. Topics include low-deposit mortgages, affordability, longer mortgage terms and the importance of early advice.

In this episode Bharat Sagar talks to HSBC’s Tracie Burton about her journey through the industry with dyslexia, from private coaching and the challenges of lockdown to how dyslexia is now a recognised benefit on LinkedIn. They are joined by Primis COO Toni Smith who discusses what employers can do to tap into the huge wealth of talent that traditional employment processes can miss out on and what employers should be doing right now to support their staff.

For mortgage intermediaries and professionals-only

Mortgage Solutions group editor Victoria Hartley hosts the third in a series of four podcasts in association with Skipton Building Society in a bid to understand the changes the pandemic has heralded for the mortgage broking market.

Joining her to debate the broker-lender service relationship and the vast opportunities in remortgaging among other topics are Skipton’s national accounts lead Derek Adams and Sesame Bankhall Group’s Stephanie Charman, head of strategic relationships, lender.

For mortgage intermediaries and professionals only

In this latest discussion, Skipton Building Society's mortgage product lead Vicky Bradley and senior credit risk analyst Diane Harrison outline the mutual’s decisioning around its offering to borrowers requiring high loan to value mortgages and finance against new-build properties.

Hosted by Shekina Tuahene, commercial editor at Mortgage Solutions and Specialist Lending Solutions, the two Skipton guests debate the mutual’s recent increase of its loan to income ratio for those with smaller deposits and expansion of 95 per cent LTV lending to newly-built homes.

The impact of a potential increase in the Bank of England’s base rate is also under discussion, with the lender explaining how this and swap rates influence the way mortgages are priced.

This is must-listen for all mortgage intermediaries and the wider property industry.

For mortgage intermediaries and professionals-only

In a wide-ranging, no-nonsense debate, the expert Skipton Building Society panel discuss how to get mortgage deals through with group editor of Mortgage Solutions Victoria Hartley.

Skipton’s head of new lending Karen Appleton and intermediary lead John Scrivens debate how advisers might want to approach the £40bn of remortgage business reaching term-end in 2022, the mutual’s nuanced strategy on getting new build deals through and its own ‘penny perfect’ mortgage calculators and the difference that can make to the application process.

With something like 40 per cent of remortgage cases coming in over-valued right now, our panel brainstorms pre-prepping valuation documents to get them to stack up for the lender and the extra help on hand for specialist cases increasingly hitting the lender’s desk.

This is must-listen for all mortgage intermediaries and the wider property industry.