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The Association of Mortgage Intermediaries was launched in April 2003.
Its role is to successfully lobby the Treasury, FCA, government and other opinion formers and policymakers to ensure the regulatory and business environment is positive toward members.
It is AMI’s objective to play a critical but constructive role within the regulation process – offering insights from the frontline of the market.
AMI is a non-commercial, not-for-profit trade body. It exists solely to bring about a better business environment for its members, so they may better serve their clients.
From our award-winning compliance support services designed to help you drive efficiencies, to our collaborative and personal approach to business development – not to mention our many mortgage club benefits – whether you’re at the start of your direct authorisation journey, or just looking for that extra bit of support, Bankhall and PMS give you access to experts you can trust.
Bluestone Mortgages, part of the Shawbrook Group, specialising in residential mortgage origination, portfolio servicing and cloud-based technology development in the financial services sector. Working with an extensive network of brokers, Bluestone Mortgages focuses on supporting customers who don’t fit the traditional profile of high street banks.
Whether that’s defaults, CCJs, an unsteady income stream from being self-employed, or simply wanting to get on the property ladder, Bluestone is a specialist mortgage lender that deals with adverse credit and complex cases.
And their service is one to beat – Bluestone promises to treat customers as individuals and make decisions based on their circumstances, not their credit score, every case is underwritten with a manual, holistic approach.
Bluestone is committed to being a dynamic and responsible lender, and their team considers all individual circumstances.
Bluestone makes complex lending easy, giving credit where credit is due. Learn more here: https://bluestonemortgages.co.uk/brokers/
Welcome to the certainty you seek.
Coventry’s expert, knowledgeable people are here to give you the clarity, confidence and reassurance you need to deliver for your customers.
The lender’s commitments to you:
Coventry for Intermediaries’ wide range of mortgage products includes:
The lender aims for every part of your professional world to work together better.
Family Building Society doesn’t believe in a ‘one size fits all’ approach to lending and will work with you to find mortgage solutions for your clients regardless of their circumstances.
It’s focused on delivering innovative and flexible products to meet the needs of the modern family across all generations and individuals not well served by the mass market.
It provides solutions for a wide range of customers
Lending into retirement
Fluent Partners is a multi-award winning business and one of the UK’s largest specialist brokers. Its suite of products includes secured loans, mortgages, buy-to-let, equity release and bridging.
It has an excellent reputation and relationship with lenders, and uses this to create additional products in areas where customers are being underserved.
Fluent takes a strong message to the intermediary sector via its field account managers and internal business development officers, championing the use of specialist lending products.
The Fluent Money Group represents the best example of a modern specialist brokerage.
Hinckley & Rugby for Intermediaries specialises in flexible criteria, manual underwriting with no credit scoring, and same day, common-sense decisions for your tricky cases at its daily Mortgage Referrals Committee.
It provides mortgage solutions which help maximise borrowing potential and address common obstacles experienced by clients with more complex circumstances.
Criteria highlights
As a leader in the specialist intermediary mortgage market, Kent Reliance for Intermediaries offers a range of buy-to-let and residential products that help brokers with cases that may not fit the criteria of mainstream lenders.
Providing unrivalled personal service using a national network of business development managers, it’s perfectly placed to help brokers navigate challenging cases. Its large underwriting team assesses each case individually, applying flexibility and common sense to ensure brokers can access best-suited products.
Kent Reliance for Intermediaries, along with Precise and InterBay, is a specialist lending brand of OSB GROUP PLC.
Keystone Property Finance is a specialist buy-to-let lender for intermediaries.
They lend to landlords borrowing both personally and through a variety of corporate structures including trading limited companies, SPVs and LLPs.
Keystone has established itself as one of the go-to lenders for brokers who have complex landlord clients that are looking to finance standard buy-to-let properties, as well as higher-yielding properties such as HMOs and multi-unit freeholds.
Keystone uses a cloud-based AIP and application system that enables brokers to transact cases quickly and efficiently.
@KeystonePF
www.keystonepropertyfinance.co.uk
For well over three decades, Mortgage Brain has been leading the market in providing mortgage technology to solve the problems that often frustrate mortgage intermediaries and lenders.
Easing those pain points is what motivates us and it’s what has earned us the trust of the 15,000 users who log in daily to our products and services.
As a part of the Mortgage Brain Group, our vision along with that of our sister company, AE3 Media, is to reimagine mortgage distribution.
Our owners are leading names in the industry: Barclays, Lloyds Bank, Nationwide Building Society, Royal Bank of Scotland, Santander, and Virgin Money.
Newcastle for Intermediaries is one of the fastest-growing lenders in the market and part of Newcastle Building Society. Its primary goal is to empower brokers by offering a wide range of competitive products and criteria, with access to experts and new technology.
The lender is powered by partnership. That means collaborating towards the shared goal of helping clients achieve their homeownership aspirations.
Newcastle for Intermediaries works closely with brokers, reviews its processes and listens to market needs to help it invest in the technology, people, products and service enhancements you and your clients value.
OSB Group’s proposition is delivered by its three specialist lending brands – Precise, Kent Reliance for Intermediaries and InterBay.
Precise is dedicated to helping customers with less-than-perfect credit histories or who are underserved by mainstream lenders.
Kent Reliance for Intermediaries provides handcrafted solutions to those whose complex cases may not fit high street criteria.
InterBay is an expert in delivering bespoke solutions to help brokers meet their clients’ borrowing needs.
The Group’s offering is backed up by a secure and solid retail savings model, provided by Charter Savings Bank and Kent Reliance.
Pepper Money is a broad specialist lender.
It exists to help people succeed – championing individuality, embracing difference, acting responsibly and looking for opportunities to say yes, rather than reasons to say no.
The lender understands that brokers have a wide range of needs because their customers do, too. These clients may want to take the next step in their homeowning journey – or move on from a difficult financial situation. Brokers want to give them the best service, in the most efficient and profitable ways.
Pepper Money aims to help both parties fulfil their ambitions. It does this by offering simple, inclusive products, broad criteria, competitive pricing and a positive lending attitude – so brokers are able to help more of their customers.
Taking a human approach to decision-making means fairer – often more generous – lending decisions are reached because the lender considers people, not credit scores.
It is easy to work with, offering direct access to a decision maker, and provides specialist expertise that can be relied on in a rapidly evolving marketplace.
When you keep an open mind and listen to people, everyone succeeds. That’s Pepper Money.
Perenna believes it’s time for a change in the mortgage market. For too long, lenders with a short-term focus have dictated the terms of the market, where borrowers have interest rate risk and refinancing risk, and brokers must constantly chase new business.
Perenna is here to fix things.
The lender is focusing on long-term value for its customers and broker partners. Its mission is to create a nation of happy homeowners where everyone who can afford a home can get one and where borrowers never have to worry about refinancing or rising interest rates ever again.
When borrowers take out a mortgage with Perenna, they have certainty over their monthly payments for the whole mortgage term. No teaser rates, no rising payments, no shocks.
Perenna is proud to provide fair and flexible mortgages with short early repayment charges, that meet the needs of borrowers across the UK, whether they are first-time buyers, home movers, want to remortgage or borrow in retirement.
Precise believes lending shouldn’t be complicated, so it cuts the faff and gets straight to the point.
Whether it’s a residential or buy-to-let mortgage, or bridging finance, the lender helps people when they need it through its nationwide intermediary base.
Precise doesn’t think that underserved customers should be shunned by circumstance or complicated criteria. That’s why it’s kept its process simple to give you a ‘yes’ or a ‘no’ quickly and with as little fuss as possible.
It’s why the lender has won so many awards recently. In 2023 alone, it won three awards and it’s pretty proud of them.
So, what are you waiting for? Get in touch with Precise today.
Precise. Refreshingly simple.
Propp makes comparing deals simple: supporting people who see the value in property and driving higher competition amongst lenders. Our website and digital optimisation process, coupled with our influence and industry experience, allow us to negotiate and guide borrowers to the best deals available on the market. Greater choice, impartial guidance and transparent language. It’s as simple as that.
Our team have created a culture of honesty and togetherness over years of working together, much like you would find in a family business, supporting our customers and each other. While we embrace technology to make life easier for all, we also understand that it is our personable and personalised service combined with years of knowledge and experience that makes the difference to our customers.
Saffron for Intermediaries is focused on solutions, works closely with brokers and listens to them, as the lender knows it is not enough to create products for the market that only partially deliver on brokers’ needs.
It wants to keep challenging the market norms for criteria, pushing the boundaries, to develop products that truly deliver. As Building Society of the Year 2023 in the MoneyAge Awards, Saffron for Intermediaries’ understanding of extraordinary needs within the market shows through its adaptable criteria, large loan sizes and case-by-case approach.
For new enquiries, please contact the lender’s expert business development team.
Santander’s purpose is to help people and businesses prosper. Through the Santander for Intermediaries brand it has supported mortgage intermediaries for over 30 years.
The lender is dedicated to the intermediary market and its priority is to make doing business as easy as possible through:
Santander is committed to helping your business succeed.
We believe the world doesn’t stand still, and neither should conveyancing. That’s why we invest in new technology to drive innovation.
The relationships we have built with our bespoke panel of lender approved law firms means that you have greater visibility and control when utilising SELECT – which results in a happier customer and less administration for you!
Our platform is designed to make conveyancing quicker, easier and more secure whilst helping you increase your earning potential.
We have the tech, the team and the network to provide you with a service that is second to none.
Founded in 2004, SimplyBiz Mortgages is part of Fintel plc, and is quoted as one of the top three mortgage clubs in the UK.
Their highly dedicated team assists directly authorised mortgage firms across a range of home finance incorporating traditional lending, equity release, later life, GI, protection and compliance & regulatory services, In addition, they also enable diversification into specialist and commercial lending through a range of support and certification.
Through a highly knowledgeable and experienced helpdesk, a specialist BDM team in the field and the industry’s widest range of educational events, members are supported with business technology and personal growth & development, enabling the provision of holistic services, thereby engendering good client outcomes.
Skipton Building Society takes a common-sense approach to lending.
Like using the latest technology to help straightforward cases fly through its system.
Or giving you access to its underwriting team when you need to discuss something a little more complex.
Or having a network of dedicated local BDMs and TBDMs to bounce questions and ideas off.
And a whole host of other ways to help you do your job more effectively.
Nothing complicated – what the lender does just makes sense.
Skipton does its job with a view to helping you enjoy doing yours.
The Exeter is committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply, you matter more.
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