Mortgages

Mortgage news for Financial Advisers and paraplanners - Brexit and currency fluctuations behind higher foreign property purchase costs

Uncertainty over Brexit and currency fluctuations have been blamed for the increased cost of buying a property in Europe and the USA. Overseas property and finance specialist Simon Conn has seen an influx of enquiries from clients who were previously paying cash, or required a smaller mortgage, now having to either borrow more or take out a loan where one was not previously required. more...

Tax news for Financial Advisers and Paraplanners - Zurich: Buy-to-let tax traps: What clients need to know

The government is making life increasingly complicated for private landlords, and advisers need to be wary of a number of potential tax traps when working with clients with second homes, writes Zurich’s Andy Woollon... more...

Mortgage update for Financial Advisers & Paraplanners - Legal & General: Are your clients looking to fund a first time buyer? They are not alone

The average house deposit is now £33,000 and for many young people, a cash gift from family can be a real boost towards buying a home. more...

Retirement news for Financial Advisers & Paraplanners - Legal & General: Who is a lifetime mortgage for?

There’s no single type of lifetime mortgage customer. We’ve seen customers in a range of different circumstances benefit from unlocking the cash in their home. It’s not just the client that benefits from a lifetime mortgage either; a lifetime mortgage can help their families, too. more...

Mortgage update for Financial Advisers & Paraplanners - Simon Conn: Brexit comment

Overseas property and finance expert Simon Conn says people are continuing to buy homes abroad, despite the ongoing issues with Brexit. more...

Retirement news from Financial Advisers & Paraplanners - L&G: Are lifetime mortgages a solution for ‘silver separators’?

Divorce is becoming increasingly common in later life, and parting ways is often more complex than simply splitting assets in half. It’s paramount that advisers are aware of the negative effect it can have on a couple's finances. more...

Mortgage news for Financial advisers - Legal & General: What do lifetime mortgages mean for families?

We know that you don't only work with clients – you also help their families. more...

Retirement events for Financial Advisers & Paraplanners - Legal and General: Helping intermediaries pass with flying colours

Legal & General Home Finance are helping mortgage intermediaries through their Chartered Insurance Institute Equity Release qualification with free one-day revision workshops across the UK. more...

Retirement events for Financial Advisers & Paraplanners - Legal & General Home Finance Breakfast Roundtables - Using Property Equity for Income

Join our product specialist, Amy Mulvey and our Head of Adviser Sales, Rob Miles at one of six locations, to discuss how you can help shape your clients’ portfolios by utilising their property equity for income. more...

Equity Release news for Financial Advisers & Paraplanners - Key Partnership: 2018 Equity Release Market Monitor

This week Key has released its Market Monitor report for the whole of 2018 and it highlights that the equity release market continues its record-breaking growth. The number of new plans in 2018 is up 21% and overall lending has increased by 19% year on year. more...

Retirement news for Financial Advisers & Paraplanners - L&G: Is equity release good for the UK economy?

Our ‘Silver Spenders’ research highlights the potential for money released from housing wealth to support economic growth in the UK. The research found that every £1 of housing wealth released generates £2.34 for the UK economy1. more...

Overseas property news for Financial Advisers & Paraplanners - Where to buy an overseas property in 2019

With Brexit decisions and implications clearly on the horizon, trying to predict which road the overseas property market is going to go down this year is not easy. more...

Mortgage news for advisers and paraplanners - UnderwriteMe: Challenging customer perceptions

I had an interesting lunch with a couple of mortgage industry experts this week. I’m going to allow them to remain nameless here, but I’ll happily break this self imposed anonymity clause if anyone wants to ask me privately. more...

Overseas property update for Financial Advisers and Paraplanners - Simon Conn’s top 20 tips for buying abroad

With the overseas property market becoming more complicated and competitive, prospective buyers are being urged to undertake thorough research before committing to a sale abroad. Overseas property expert Simon Conn has seen an increase in the number of buyers not carrying out proper checks before signing on the dotted line and has put together a list of the 20 top issues to look out for. more...

Mortgage news for advisers and paraplanners - Mortgage Brain shares vision and strategy with UK Lenders

Leading Mortgage technology expert, Mortgage Brain, revealed its vision and technology strategy for the next generation at three exclusive events held last week. more...

Mortgages news for Financial Advisers and Paraplanners - “Alexa, open UKMortgages…”

Everyone likes a bit of magic – and now consumers who own an Amazon Echo smart speaker device can ask Alexa, Amazon’s friendly virtual assistant to ‘open UKMortgages’ - and they can search for a mortgage or a local adviser. more...

Mortgage news for Financial Advisers & Paraplanners - Mortgage Brain: Survival of fittest: Meet your customers where they are

Around-the clock, omni-channel and in control are some of terms used to describe the modern consumer*. Increasingly informed, demanding and impatient, they want answers here and now and have little tolerance for lengthy admin procedures. This means businesses can no longer continue doing things ‘the old fashioned way’ such as rely solely on phone and email for communications, stick to the 9-5 availability and so on. So what’s a broker to do? more...

Mortgage news for Financial Advisers & Paraplanners - Mortgage brain: Digital customer journey important to mortgage advisers

Think about how many hours you have spent on your electronic devices in the last 24 hours. Chances are, it’s quite a few – and more than you did just one or two years ago. Your customers are no different, and it’s essential you can keep in step with their expectations and lifestyle to remain competitive. more...

Investment news for Financial Advisers and Paraplanners - Aviva Investors house view 2018 outlook

The intelligence that guides our investment decisions. No-one can predict the future perfectly. But our House View represents the best collective judgement of Aviva Investors on the current and future investment environment. more...

Mortgage news for Financial Advisers & Paraplanners - Mortgage Brain: The most reliable and Accurate comparison of multiple first and second charge products – ever!

• Source and compare accurate first and second charge mortgage products side by side • Compare as many products as you wish (certainly more than two!) • Advised or non-advised functionality • 99.9% product data accuracy • Save and source different scenarios for your clients • 200+ sourcing filters to find the best mortgage • Online and offline systems to choose from, MortgageBrain Classic and MortgageBrain Anywhere more...

Partner comment for financial advisers and Parapanners - Shock horror! Base rates go up by 0.25% - we weren’t expecting that!

For the last couple of months the Bank of England has been preparing all of us for today’s 0.25% increase so it shouldn’t have come as a shock that the base rate has increased, but what does it actually mean to the general public and more importantly people with mortgages which are now more expensive to service per month? more...

Pension & Mortgage news for Financial Advisers and Paraplanners - Royal London: 65,000 pensioners face losing mortgage help unless they take out second mortgage with the government

Thousands of low income pensioners and working age benefit claimants have started to receive official letters warning that the help they receive with their mortgages will end in April 2018 unless they sign up to a second mortgage with the government. But the letters are not clear about the interest rate on the loan and recipients are getting little help with this decision according to mutual insurer, Royal London. If they fail to comply they will lose help with their mortgage and could face repossession if they get into arrears as a result. more...

Overseas property update for financial advisers and paraplanners - France still top spot for Brit buyers

France is still the number one location for British buyers looking to purchase abroad, according to overseas property and finance specialist Simon Conn. more...

Overseas property update for financial advisers and paraplanners - Tips on how to turn your foreign property dream into a happy reality

We’ve all done it – gone on holiday, stepped away from the daily grind, relaxed in the sun, cocktail in hand, wondering how we can make this feeling last. So when we return to the unpredictable British weather, we hatch a plan of how to buy a property abroad. more...

Pension news for Financial Adviser and Paraplanners - Aviva: Pensions v buy to let – what do your clients need to know?

In our latest Financial Planning Bulletin, we look at pensions and buy to let investments and compare: • tax treatment • investment risks, and • access rules more...

Overseas property news for Financial Advisers and Paraplanners - Comment from Simon Conn, overseas property and finance expert, in light of recent Brexit announcement

What UK ex-pats are doing in current popular areas of Europe as opposed to the UK. I am currently getting a number of enquiries from clients who live in Cyprus, France, Italy, Portugal or Spain and who either live there or own a property and are looking to refinance for a number of reasons. more...

Mortgage news for Financial Advisers and Paraplanners - Just: Introducing new lifetime mortgage product features

We know making decisions on equity release can be complex and later life can be unpredictable. So we’re making changes to our lifetime mortgages to allow partial repayments (up to a certain percentage) to be made without early repayment charges applying and the information we provide clearer. more...

Mortgage news for Financial Advisers and Paraplanners - M&G Bond Vigilantes: Mortgages and monetary policy in the US and UK

The cost of new mortgage borrowing and payments on outstanding household debt can have a large impact on the rate of growth of an economy. For this reason, central bankers are interested in the transmission mechanism of monetary policy. It has been shown that interest rates can have a stronger influence on an economy where there are a high proportion of variable rather than fixed-rate mortgages… more...

Overseas property news for Financial Advisers and Paraplanners - Buying residential property overseas in 2017 post Trump and with Brexit influences

After the “shocks” of 2016, how will the overseas property market be affected in 2017 and will the most popular areas still be of interest? Although the Trump and Brexit decisions did have an initial effect on clients potentially purchasing an overseas property - where some people have deferred until the markets have settled down in the USA after the Presidential inauguration and Article 50 is finally implemented - others have seen this as a good time to look for opportunities and bargains available in the market. more...

Overseas property news for Financial Advisers and Paraplanners - Tips for buying ski property

The ski season is now upon us and many people will be jetting off to the Alps, Pyrenees, USA and Canada for some snow and après-ski. If you are a keen skier and are thinking of buying a property in a ski resort, these are the main points you need to consider, according to overseas property and finance expert Simon Conn. more...

Overseas property news for Financial Advisers and Paraplanners - New versus old – which foreign property is right for you?

As the summer comes to a close, some people will still be thinking longingly about their holidays and wondering whether to buy a property abroad. more...

Overseas property news for Financial Advisers and Paraplanners - Overseas property sector – should there be doom and gloom?

Since Brexit, there have many different comments in the press about how people feel the market and economy will develop during the next few months and most, unfortunately, have been rather dour. more...

Property News for Finanacial Advisers and Paraplanners - General tips and warnings when purchasing in a rural area

Now that the global property market is picking up, more UK buyers are looking to purchase overseas for investment and retirement purposes. more...

Mortgage news for Finanacial Advisers and Paraplanners - Overseas Buy-To-Let

Recessions can often offer opportunity and currently a number of countries have both residential and commercial properties that clients can purchase to rent and utilise the possible investment returns. more...

Mortgage news for Finanacial Advisers and Paraplanners - Underwriting issues for European mortgages

Despite the tricky financial climate we live in, scores of Brits are still taking the plunge and either emigrating, or buying a second home abroad. However, if you wish to raise a mortgage to purchase your overseas property there are many different underwriting obstacles you may come up against, according to overseas property and mortgage expert Simon Conn. more...

Mortgage news for Finanacial Advisers and Paraplanners - Hodge Lifetime - Interest Rate change notification, for Lump Sum and Flexible Lifetime Mortgage

The rates for our Lump Sum and Flexible Lifetime Mortgages will be reducing on Monday 1st February. - Lump sum lifetime mortgage new rate 5.39%(AER) - Flexible Mortgage Option new rate 5.44%(AER) Our Lump Sum and Flexible Mortgages benefit from the following features: more...

Better Business news for financial advisers and Paraplanners - Could the overseas property market be more attractive to UK purchasers in 2016?

The overseas property market has always been of interest to investors and people buying a future retirement home. But with the UK buy-to-let market becoming more costly in April because of the UK Government’s proposed tax increases, overseas property and mortgage specialist Simon Conn believes buyers could be considering more seriously other international destinations in 2016. more...

Partner competition for Financial Advisers and Paraplanners - Intelliflo: Penguin Slalom Challenge

Take the Intelliflo Penguin Slalom Challenge! Slalom down the slopes for a chance to win £50. Click here to play now! more...

Mortgage update for Financial Advisers and Paraplanners - Simon Conn: Think carefully before buying a business abroad

Overseas property and finance specialist Simon Conn is warning people who are thinking of setting up or taking over a business abroad to do their research before taking the plunge. more...

mortgage news for Financial Advisers and Paraplanners - Aviva: Limited time only! Equity Release fee down to £5

Clients can now save £595 on our Equity Release fee. Visit Aviva for Advisers to download our client friendly flyer now and share the good news with them! more...

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