Mortgage Vision CPD Learning Objectives

Changing the landscape of specialist lending

In this session, you’ll hear how Bluestone have been on a journey to become a leading specialist lender in the complex credit space. The lender will delve into the rise of adverse credit and the impact this is having on consumers. They’ll talk through the state of the nation’s finances and top financial concerns for consumers. Furthermore, they’ll explain why you should be advising in this part of the market, if you’re not already. Finally, Bluestone will give a comprehensive and informative run-through of its mortgage proposition, approach to lending and technology capabilities to enable simple transacting.

Learning outcomes:

By the end of the session, delegates will be able to:

• Understand the impact of adverse credit
• Understand the benefits of advising in this space
• Gain knowledge of the Bluestone mortgage proposition.

Mortgage Vision 2024 – Supporting brokers with technology, insight and education

Highlighting the benefits technology can provide brokers and lenders in terms of greater efficiency in the processing journey, focusing on the lender’s migration of new business to MSO. Coventry will also share how the first-time buyer market is forecast to improve this year and into 2025, so advisers can consider how to capitalise on the increased opportunities. Plus, the lender will discuss how the current market may present other challenges and discuss some of the themes seen in respect of mortgage fraud.

Learning outcomes:

By the end of the session, delegates will be able to:

• Describe the benefits MSO offers as an application interface in terms of greater efficiency
• Understand the contribution first-time buyers will bring to the mortgage market and which areas they may need more support with
• Have an improved awareness of potential red flags on enquiries they receive that could be fraudulent.

The later life lending landscape and the art of intergenerational lending

The session provides a panoramic view of the later life lending market, looking at:

• The types of mortgages used in later life
• Key drivers behind demand
• Opportunities in the market
• Challenges in the market
• How joint-borrower, sole-proprietor mortgages can help with affordability.
  
  

Learning outcomes

By the end of the session, delegates will be able to:

• Summarise the key drivers within the changing later life lending landscape
• Identify the opportunities and challenges in the market – for lenders, brokers and customers 
• Explain the joint-borrower, sole-proprietor mortgage

Supporting foreign nationals and the self-employed

Non-standard cases don’t have to be complex and Hinkley and Rugby makes it easier for brokers to place self-employed clients.

The lender also has market-leading criteria to help brokers support skilled workers entering the UK from overseas, without restrictions of their time spent living here, giving them the opportunity to buy their own home.

In this session, Hinkley and Rugby will explain its criteria and processes as well as what to look out for when placing non-standard self-employed cases as well as overseas clients. 

Learning outcomes

• Know how to place a complex self-employed case and how Hinkley and Rugby can help
• Feel confident about helping skilled workers from overseas to buy a home
• Understand the lender’s criteria and processes and how it can help you to get that case offered.

The practical guide to limited company structures

Keystone Property Finance specialises in complex buy-to-let mortgages and lends to landlords both borrowing personally and through a variety of different corporate structures such as LLPs, SPVs and trading limited companies.

It has established itself as one of the go-to lenders for brokers who have complex landlord clients. Keystone’s experienced business development managers will be covering everything you need to know about each different type of structure, including how they can be utilised by landlords when placing a buy-to-let case.

Learning outcomes:

• Identify different types of limited company structures
• Understand how landlords can utilise company structures for their buy-to-let cases
• Know more about how lenders in the specialist market can lend on different structures and what is acceptable.

Powered by partnerships – embracing technology to enhance flexible lending decisions

This session focuses on deepening brokers’ understanding of the Newcastle for Intermediaries proposition and how it strengthens broker partnerships. Participants will learn how to effectively leverage our technology for quick, smart lending decisions, ensuring more efficient service delivery. Additionally, the session will emphasise the importance of fostering productive conversations between intermediaries and business development managers (BDMs) to achieve tailored solutions for diverse client needs. By the end, attendees will gain valuable insights to enhance their role in the lending process.

Learning outcomes

• A comprehensive understanding of the Newcastle for Intermediaries proposition to its broker partnerships.
• Utilising the lender’s technology for quick and smart decisions.
• Encouraging conversations between intermediaries and BDMs to deliver smart outcomes for their diverse customer bases.

Maximising efficiency – tools to save time, reduce risk, and boost your revenue

In this session, Mortgage Brain acknowledges the demanding schedules mortgage advisers face and how that trend is likely to continue. It will introduce powerful tools designed to help you work smarter, not harder— saving you time, reducing your risks, and ultimately driving more revenue. We’ll show you how these solutions can seamlessly integrate into your workflow, empowering you to achieve more with less effort.

• Improving customer outcomes through reducing wasted time and effort
• Reducing risk through reduced repeated data entry
• Providing access and support to more customers for advice across a broader range of products.

How to deliver the certainty your customers need and deserve

Pepper Money will uncover the opportunities for brokers in growing areas, as the number of customers who could find themselves turned down by the high street grows. They’ll showcase this by highlighting how the UK population has been impacted by the cost of living crisis through their Specialist Lending Study. Plus, they’ll explain how delivering exceptional customer experiences can support business growth through returning customers.

Learning outcomes:

By the end of the session, delegates will be able to:

• Define the areas of opportunity to look out for and specialise in as we move into a growth period.
• Understand the simplicity and opportunities available for customers that don’t always fit the mould of the high street.
• Understand how the certainty provided by human underwriting can have a positive impact on the customer experience.

How long-term fixed rates can help your clients borrow more

Long-term fixed rate mortgages are now available in the UK. This session will explain how they work, the benefits to your customers, and how changes in the way mortgages are funded can unlock higher affordability, longer mortgage terms, and more flexible features. A long-term fixed rate mortgage can also be an option for those lending into retirement and can help some mortgage prisoners. This session will explain how.

Learning outcomes:

By the end of the session, delegates will be able to:

• Define the benefits of a long-term fixed rate mortgage
• Identify customer types who may benefit from a long-term fixed rate mortgage
• Explain how long-term fixed rate mortgages can increase borrowing power for customers, including those in lending into retirement.

Alternative specialist lending opportunities for your clients from Precise and Kent Reliance for Intermediaries

Lending is broadly down, although there are alternative opportunities in the specialist mortgage market which offer solutions for your existing clients and allow you to diversify your business.

As leading specialist lenders, Precise and Kent Reliance for Intermediaries aim to provide solutions for complex cases. This presentation will show you the areas they can assist with and provide information on complex lending, so that you can say yes to more clients.

The demand for specialist lending is growing and, by offering a diverse range of award-winning products and dynamic solutions, the lenders can help where others can’t, supporting your customers in getting the loan they need as quickly as possible.

Learning outcomes

Delegates will take away:

• A greater understanding of the sectors within the specialist mortgage market
• How borrower demand is likely to change within those sub-sectors
• The available solutions from OSB Group lenders to meet these changing mortgage borrower needs.

Embracing Different

Overview: Saffron for Intermediaries is not your typical lender.  Where others shy away from complex cases, it embraces what’s different about the needs of your clients and adapts.  In this session, it will discuss the opportunity of complex lending in a challenging market.

Learning outcomes

• Describe the opportunity within the complex mortgage lending markets
• Explain how you can help customers with these complex lending needs
• Identify opportunities to help customers with complex mortgage lending needs and develop these opportunities.
• Identify where Saffron for Intermediaries proposition can help your customers with their borrowing needs.

Supporting you and your clients

A lender’s purpose is to help people and businesses prosper. Through the Santander for Intermediaries brand, we’ve supported mortgage intermediaries for over 30 years. During the session we will explore how policy and system improvements can make it easier to do business. 

Learning outcomes

By the end of the session, delegates will be able to:

• Understand how improved lender policies and processes help customers buy their home
• Learn key tips on a seamless application process and how best to utilise case tracker updates 
• Understand your lender touchpoints and how we keep you updated

How we can make homeownership a reality for first-time buyers

Skipton Building Society has been helping people have their own home since 1853 and, as a modern mutual, continues to support intermediaries to find lending solutions for their clients.

First-time buyers are finding it tougher than ever to get on the property ladder and this challenge is expected to increase as customer needs become more complex and the market continues to evolve.

Learning outcomes

By the end of the session, brokers will:

• Understand the challenges first-time buyers face around affordability and the deposit required to get onto the property ladder
• Gain an awareness of the schemes available to first-time buyers within the mortgage market
• Understand the role Skipton can play in tackling these challenges and how the lender can work with intermediaries through innovation and collaboration.

Income protection objection handling

The Exeter surveyed 2,000 working adults about their health and financial fears across the UK. The findings highlighted key areas of importance for consumers when considering insurance and showed some clear obstacles advisers face when discussing protection.

In this session, The Exeter will discuss the most common protection objections from consumers. The lender will explore how you can confidently tackle these, and how you can use these to showcase the value of your advice.

The Exeter will also discuss the solutions, tools, and support available for you and your business. 

Learning outcomes:

By the end of this session you will:

• Be able to identify the most common protection objections
• Describe UK workers’ thoughts around protection barriers
• Be confident in tackling protection objections in your client conversations.