2021 WINNERS
DELIGHTED
to have been lead partner at the Scottish Mortgage Awards Make money work for you
Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.
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EDITORIAL
COMMENT
Publishing Director Robyn Hall Robyn@mortgageintroducer.com @RobynHall Publishing Editor Ryan Fowler Ryan@mortgageintroducer.com Editor Jessica Bird JessicaB@mortgageintroducer.com Deputy News Editor Jake Carter Jake@mortgageintroducer.com Editorial Director Nia Williams Nia@mortgageintroducer.com Commercial Director Matt Bond Matt@mortgageintroducer.com Advertising Sales Executive Tolu Akinnugba Tolu@mortgageintroducer.com Advertising Sales Executive Jordan Ashford Jordan@mortgageintroducer.com Campaign Manager Esha Gossain Esha@mortgageintroducer.com Production Editor Felix Blakeston Felix@mortgageintroducer.com Head of Marketing Robyn Ashman RobynA@mortgageintroducer.com
MORTGAGE
INTRODUCER
Celebrating Scotland
T
he Scottish Mortgage Awards is something of a rarity in recent times. Whilst many events had to go digital due to the pandemic these awards are one of the few which managed to stay in person. This year we returned to Scotland at the iconic Balmoral Hotel and were joined by over 220 of the Scottish mortgage industries finest. The event was compèred once more by the inimitable Fred MacAulay and with 19 awards up for grabs we were delighted to once again join you to celebrate the people, products and services that demonstrate excellence and originality within the Scottish intermediary mortgage market. And recognising and rewarding the best and brightest in the Scottish mortgage industry – individuals and businesses who stand out from their peers through their innovation and professionalism – is no easy task. It wasn’t just about shining a spotlight on the best of the best from Edinburgh and Glasgow! Brokers from the regions also had a chance to shine, including those from Aberdeen/Northern; Dumfries and Galloway; Dundee and East Fife; Perth, Stirling and Falkirk as well as the Highlands and Islands. And it wasn’t just brokers who took home the spoils. The SMAs also rewarded Scotland’s best building society; lender; specialist lender; later life lender; GI provider; distributor as well as Scotland’s best business leader, while a special lifetime achievement award went to Alistair Ewing of The Lending Channel. Congratulations to all our winners but also to all those who made the shortlist – it was no mean feat amongst such strong and diverse competition. A special thanks goes to all our sponsors, but especially our headline sponsor Barclays. To find out who scooped the top prizes, read on.
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CONGRATULATIONS to everyone that was nominated www.mortgageintroducer.com
Contents 5 Lender of the Year 7 Specialist Lender of the Year 9 Later Life Lender of the Year 11 Building Society of the Year 13 Distributor of the Year 15 Surveyor of the Year 17 GI Provider of the Year 19 Protection Provider of the Year 21 Regional Best Broker - Glasgow 22 Event Photos Looking back at the Scottish Mortgage Awards 2021 25 Regional Best Broker – Edinburgh 27 Regional Best Broker – Aberdeen/Northern 29 Regional Best Broker – Perth/ Stirling/Falkirk (Central Region) 31 Regional Best Broker - Borders 33 Regional Best Broker - Dundee & East Fife 35 Regional Best Broker – Highlands & Islands 37 Overall Broker Scotland 39 BDM of the Year 41 Business Leader of the Year 42 Lifetime Achievement Award
Make money work for you
SCOTTISH MORTGAGE AWARDS 2021
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Congratulations
to all the from the
mortgageadvicebureau.com
Award-winning mortgage broker
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CATEGORY SPONSOR
WINNER Mainstream Lender of the Year HSBC
(FROM LEFT TO RIGHT) Peter Brodnicki of Mortgage Advice Bureau; Paul Norgate of HSBC
Richard Beardshaw, head of sales, intermediary mortgages, HSBC UK said:
www.mortgageintroducer.com
13:04
“
HSBC UK is delighted to have received this accolade. This is testament to our service and product propositions that continue to grow from strength-to-strength, as does our commitment to the Scottish mortgage market. A huge thank you to all our Intermediary partners for their ongoing support and for taking the time to vote for us. We will continue to enhance our overall proposition, invest in our people, and improve processes to build on this success.”
SCOTTISH MORTGAGE AWARDS 2021
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£ Residential Mortgages
Commercial Mortgages
Short-Term Finance
£ 2nd Charge Mortgages
Specialised Buy-To-Let
Complex Mortgages
Other Finance Products
Congratulations to all of this year’s winners!
The Lending Channel were proud sponsors of the Specialist Lender of the Year – well done Michael Walsh and Precise Mortgages. Contact us at: thelendingchannel.co.uk enquiries@thelendingchannel.co.uk 01738 583008
All Types of Property Finance
CATEGORY SPONSOR
WINNER Specialist Lender of the Year PRECISE MORTGAGES
(FROM LEFT TO RIGHT) Michael Walsh of Precise Mortgages; Alistair Ewing of The Lending Channel
Michael Walsh, business development manager for Scotland, Precise Mortgages, said:
www.mortgageintroducer.com
“
It was an honour to collect the Best Specialist Lender award for Precise Mortgages at the Scottish Mortgage Awards for the second year running. A huge thank you to all the brokers who took the time to vote for us!”
SCOTTISH MORTGAGE AWARDS 2021
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FOR SIMPLE SOLUTIONS TO YOUR COMPLEX FUNDING NEEDS
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About the Company Charter HCP is an international Principle and Syndicate Funder & Boutique Corporate Finance House, with exclusive access to a large number of institutional and family office funds. If cases are not eligible to be funded internally, we also offer brokerage services.
Our Services INTERNAL DEBT FINANCING LINE JOINT VENTURE PARTNERSHIPS EQUITY FUNDING FROM PARTNER FUNDS BUSINESS EXPANSION FINANCING HARD MONEY CONSTRUCTION LOANS DEBT AND CORPARATE BROKERING
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For Free Consultation Call:
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CATEGORY SPONSOR
WINNER Later Life Lender of the Year MORE2LIFE
(FROM LEFT TO RIGHT) Jennafer Holt of more2life; Terry Pritchard of Charter HCP
Dave Harris, CEO, more2life, said:
www.mortgageintroducer.com
“
We are thrilled to win Later Life Lender of the Year at the Scottish Mortgage Awards. Scotland always has been, and continues to be an important area for our business.”
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CATEGORY SPONSOR
WINNER Building Society of the Year SCOTTISH BUILDING SOCIETY
(FROM LEFT TO RIGHT) Andrew Moses of Scottish Building Society; Ross Liston of Sesame Bankhall Group
Paul Denton, chief executive, Scottish Building Society, said:
www.mortgageintroducer.com
“
The team at Scottish Building Society consistently go above and beyond. To receive the accolade of Building Society of the Year for the third year in a row is a testament to their hard work, especially when up against such a high calibre of nominees.”
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CATEGORY SPONSOR
WINNER Distributor of the Year THE LENDING CHANNEL
(FROM LEFT TO RIGHT) Laura McDonald of Vitality; Alistair Ewing of The Lending Channel
Alistair Ewing, managing director, The Lending Channel, said:
www.mortgageintroducer.com
17:47
“
I am personally really chuffed to win this award for the second time, but absolutely delighted to see the whole team recognised in this way.”
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The new bright light in the later life lending market At Standard Life Home Finance, we’re here to help put you and your clients in control of a brighter financial future by offering a wide range of high-quality lifetime mortgages. With competitive rates, modern lending features as standard and a powerful brand name, our new lending proposition is designed to be the new bright light in the later life lending market. We know that service and flexibility are at the heart of your decision-making when recommending a solution to your clients. You need a plan that meets their needs, a process you can trust, and a lender that understands what’s required for your business to flourish. That’s why we focus on these areas to ensure you can spend more time doing what you do best – helping clients achieve a better outcome in retirement.
This document is for intermediaries only and not for customer use.
All our lifetime mortgages have a Defaqto 5 Star Rating, meaning they come with market-leading features, such as downsizing protection from day one and fixed early repayment charges for the first eight years, which make them one of the highest quality offerings on the market. When you choose Standard Life Home Finance, we give you a commitment that nothing is more important than making sure your needs are met and exceeded. We never forget that advisers are critical to the future success of our market and that you need a lending partner you can count on to support you. That’s why from application to completion and beyond, we’ll be with you every step of the way.
Find out how we can support you, call
0333 307 9000 or visit standardlifehomefinance.co.uk
Telephone calls may be monitored or recorded for training purposes. Standard Life Home Finance is a trading name of more2life Limited. Registered in England No 5390268. Registered Office: Baines House, 4 Midgery Court, Fulwood, Preston PR2 9ZH. more2life Limited is authorised and regulated by the Financial Conduct Authority. more2life Ltd uses the Standard Life brand under licence from Standard Life Assets and Employee Services Limited. The Standard Life name and logo are registered trade marks of Standard Life Assets and Employee Services Limited SLHF049 (10/21).
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CATEGORY SPONSOR
WINNER Surveyor of the Year SHEPHERD CHARTERED SURVEYORS
(FROM LEFT TO RIGHT) Graeme Stewart of Shepherd Chartered Surveyors; Scott Robertson of Standard Life Home Finance
Graeme Stewart, managing partner, Shepherd Chartered Surveyors, said:
www.mortgageintroducer.com
15:16
“
We are delighted to once again win such a prestigious award for the third year in a row. While we were up against strong competition, this award is testament to our staff ’s hard work and dedication supporting the firm in their various roles across our Scotland-wide office network.”
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Let us help your business
take off... We are a leading mortgage network as well as the UK’s most recognised mortgage intermediary brand*
Working with over 1,400 independent estate agency branches across the UK, we are firmly established in the sector and work in partnership with our dedicated introducers to add and increase revenue, whilst supporting the sales process with a professional and tailored mortgage and protection advice service. • We arrange over £16bn of mortgage loans annually. • We have over 1,600 advisers offering expert mortgage & protection advice on a local, regional and national level to UK consumers, face to face and over the telephone. • Access to over 12,000 products from more than 90 UK lenders. • We have over 150 national awards for the quality of our advice and service.
mortgageadvicebureau.com *Based on Opinium Research, Summer 2020.
Award-winning mortgage advice
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CATEGORY SPONSOR
WINNER GI Provider of the Year UINSURE
(FROM LEFT TO RIGHT) Angela Robertson of Uinsure; Gordon Henderson of Mortgage Advice Bureau
Martin Schultheiss, chief commercial officer, Uinsure, said:
www.mortgageintroducer.com
12:09
“
The past two years of business have been as unpredictable as anyone could possibly imagine so to win Best GI Provider for the third year on the bounce is testament to how our dynamic team have adapted and continued to innovate in challenging circumstances. Advances in technology are an ongoing necessity in a fast-moving industry and we’re already looking forward to how our own developments will improve the general insurance experience for advisers and their clients in 2022 and beyond.” SCOTTISH MORTGAGE AWARDS 2021
MORTGAGE INTRODUCER
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CATEGORY SPONSOR
WINNER Protection Provider of the Year VITALITY
(FROM LEFT TO RIGHT) Mike Allison of Paradigm Protect part of Paradigm Mortgage Services; Laura McDonald of Vitality
A spokesperson for Vitality said:
www.mortgageintroducer.com
“
We’re absolutely delighted to be crowned Protection Provider of the year at this year’s Scottish Mortgage awards. We are very grateful to be recognised for our uniquely designed products that not only provide market leading cover but also encourages your clients to take steps to get healthier, which is good for your clients, good for us and good for society. Thank you for voting for us, we’re over the moon.”
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Congratulations to the
Independent Mortgage Store Winner of the Regional Best Broker – Glasgow at the Scottish Mortgage Awards 2021
www.paragonbank.co.uk/intermediary/btl
CATEGORY SPONSOR
WINNER Regional Best Broker – Glasgow INDEPENDENT MORTGAGE STORE
(FROM LEFT TO RIGHT) Holly Morrison of Paragon; Paul McGowan, Independent Mortgage Store
Paul McGowan, director, Independent Mortgage Store, said:
www.mortgageintroducer.com
“
Our team were delighted to pick up the coveted Best Regional Broker - Glasgow at the Scottish Mortgage Awards. Glasgow was the most contested award and it proved to be our David and Goliath moment to manage to secure this award against the huge firms we were up against. This award really means something to us, we are a small independent firm that has been working away in the mortgage industry for decades. This is an outstanding achievement for us.”
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SUPPORTING Scotland
and dand
Make money money Make Make work money money for work work you workfor for foryou you you Make Make Make work money money for you work for you
Congratulations to CARA Mortgage Services, the winner of the Regional Best Broker - Edinburgh award at this year’s Scottish Mortgage Awards. We would also like to offer our congratulations to all of the winners in their respective categories. We are proud to have been part of another year celebrating industry excellence.
HSBC UK Bank plc. Registered in England & Wales with number 09928412. Registered Office: 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 765112. ©HSBC Group 2021. All Rights Reserved.
CATEGORY SPONSOR
WINNER Regional Best Broker – Edinburgh CARA MORTGAGE SERVICES
(FROM LEFT TO RIGHT) Paul Norgate of HSBC UK; Stuart Mair of CARA Mortgage Services
Stuart Mair, managing director, CARA Mortgage Services, said:
www.mortgageintroducer.com
“
Everyone at CARA Mortgages is thrilled to have won Best Broker – Edinburgh for the first time. Without doubt we faced stiff competition from some excellent Broker firms and to be voted best is testament to the hard work and dedication from the whole team. This is now our third regional category win and demonstrates that our team are providing exceptional customer service across the whole of Scotland.”
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CATEGORY SPONSOR
WINNER Regional Best Broker – Aberdeen/Northern FIRST MORTGAGE DIRECT – ABERDEEN
(FROM LEFT TO RIGHT) Andrea Forsyth of First Mortgage; Jasmine McKinnell of Nationwide
Antony Stackhouse, sales and operations director, First Mortgage, said:
www.mortgageintroducer.com
13:55
“
We are very pleased to be recognised in the north of the country as being the best. Our team work very hard in, what is one of the most challenging mortgage environments in Scotland, to delight all our customers. This award offers further evidence the team are doing an excellent job.”
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88.2%
broker satisfaction score
Personal. Flexible. Trusted. At Scottish Building Society, we’ve been helping people buy their homes for over 170 years. Our enduring success is founded on exceptional customer service and a reputation built on confidence and trust. We’re committed to treating each mortgage applicant as an individual. Every case receives personal, flexible underwriting. We’re also proud of strong connections with intermediaries and truly value these relationships. That could be one reason why brokers have given us an 88.2% satisfaction rating on financial review website Smart Money People – placing us in the top 3 in the UK.1 To find out how we could help you and your clients, contact Nigel Hammonds on 07917 640 956 or email n.hammonds@scotbs.co.uk 1.Smart Money People Broker Survey 2021. Scottish Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No. 206034). Member of the Building Societies Association and UK Finance. Scottish Building Society, SBS House, 193 Dalry Rd, Edinburgh EH11 2EF.
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CATEGORY SPONSOR
WINNER Regional Best Broker – Perth/Stirling/Falkirk (Central Region)
HH MORTGAGE CONSULTANCY
(FROM LEFT TO RIGHT) Michelle Henderson and Helene Henderson of HH Mortgage Consultancy; Gavin Holmes of Scottish Building Society
Helene Henderson, business owner, HH Mortgage Consultancy, said:
www.mortgageintroducer.com
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“
We are very proud of our family business for winning this award. I’d like to add a massive thanks to everyone who voted for us.”
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We know Shared Ownership works for customers
In 2021 we were the number one lender for Shared Ownership illustrations on Twenty7Tec*
First for Shared ip Ownersh To find out more visit leedsbuildingsociety.co.uk/intermediaries This product information is for FCA authorsied intermediaries only and must not be distributed to potential borrowers. *Based on YTD Shared Ownership illustrations, figures taken up to 06/10/2021.
CATEGORY SPONSOR
WINNER Regional Best Broker – Dundee & Fife FIRST MORTGAGE DIRECT – DUNDEE
(FROM LEFT TO RIGHT) Andrea Forsyth of First Mortgage; Louise Drummond of Leeds Building Society
Antony Stackhouse sales and operations director, First Mortgage, said:
www.mortgageintroducer.com
“
We are very proud to have been recognised as Dundee & Fife’s top mortgage and protection advisory firm this year. We have long served this community and the team work tirelessly to offer the best customer experience they can. Despite two lockdowns and all the challenges that brought to us all the team have maintained very high standards Its fabulous to be recognised for that.”
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Name. DOB. Postcode. 3 questions to quote and 60 seconds to apply. We use big data and third party integrations to pre-fill information, removing the need for you to rekey or answer complex questions in the insurance process.
www.uinsure.co.uk
CATEGORY SPONSOR
WINNER Regional Best Broker – Highlands & Islands HELEN MACKENZIE MORTGAGE & PROTECTION SERVICES
(FROM LEFT TO RIGHT) David Latimer (DL Mortgage Services) accepting on behalf of Helen MacKenzie; Angela Robertson of Uinsure
Helen MacKenzie, owner, Helen MacKenzie Mortgage & Protection Services, said:
www.mortgageintroducer.com
“
We are absolutely delighted and very lucky to receive this amazing award for the second time after what has been such a challenging time for everyone. Our clients mean so much to us and we always work to provide the best for them. They are exceptionally kind, patient and understanding, and especially during the pandemic. We cant thank everyone enough who took the time to vote for us. That means a lot to us.”
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...to a bridging & commercial specialist that works with YOU
CATEGORY SPONSOR
WINNER Regional Best Broker – Dumfries & Borders BORDERS MORTGAGE HUB
(FROM LEFT TO RIGHT) Robin Purdie of Borders Mortgage Hub; Emma Hall of Movin Legal
Robin Purdie, director, Borders Mortgage Hub, said:
www.mortgageintroducer.com
“
Having made the shortlist in 2020, we are absolutely thrilled to win this category in 2021! This award recognises the hard work and dedication of our team, who have been first-class in challenging conditions over the past 18 months! And we’d like to say a heartfelt thanks to all our clients who are our lifeblood, and to everyone else that voted for us.”
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CONGRATULATIONS to all the winners at the Scottish Mortgage Awards Make money work for you
Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.
CATEGORY SPONSOR
WINNER Best Overall Broker – Scotland CARA MORTGAGE SERVICES – EDINBURGH
Greame Muirhead of Barclays with Stuart Mair and the CARA team
Stuart Mair, managing director, CARA Mortgage Services, said:
“
We are truly humbled by this honour considering how challenging the past 20 months have proved for everyone connected with the industry. We are a family owned and run business with a team that simply want to be the best they can, but to now have won twice in three years is beyond our wildest expectations. On a personal note, I would like to thank my wife Shona for the incredible support and commitment she has shown to our business over the past two years.”
. www.mortgageintroducer.com
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www.carams.co.uk 01592 773 772
CATEGORY SPONSOR
WINNER BDM of the Year AILEEN BOAG (SESAME BANKHALL GROUP)
(FROM LEFT TO RIGHT) Stuart Mair of CARA Mortgage Services; Aileen Boag of Sesame Bankhall Group
Aileen Boag, business development manager, Sesame Bankhall Group, said:
www.mortgageintroducer.com
“
I was absolutely over the moon to win the new award of BDM of the Year at this year’s Scottish Mortgage Awards. A truly wonderful event and so good to see all of the other deserving award winners on the day as well. Congratulations to everyone and a huge thanks to all who voted for me.”
SCOTTISH MORTGAGE AWARDS 2021
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Registration Expertise
Lending in Scotland? See the whole picture with McVey & Murricane Scotland’s Lending Powerhouse
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Fallon Sara Spencer Head of Specialist Lending fspencer@mcvey-murricane.com
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WINNER Business Leader of the Year PAUL DENTON, SCOTTISH BUILDING SOCIETY
(FROM LEFT TO RIGHT) Allan Radlow of McVey & Murricane; Paul Denton of Scottish Building Society
Paul Denton, CEO, Scottish Building Society, said:
“
I am honoured to receive this award and I’m exceptionally proud and grateful to the entire team at Scottish Building Society for their continued hard work over the past year, without whom, this award win wouldn’t have been possible.”.
88 www.mortgageintroducer.com
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For intermediary eyes only
FINANCIAL ADVISER SERVICE AWARDS
FIVE STARS, SAYS MONEYFACTS
YOU’RE ON A MISSION and we have your back
You’re no ordinary intermediary: you’re on a mission to deliver to your clients a better retirement. That’s why we’re dedicated to providing you with the highest level of support, cutting edge technology and the widest range of lifetime mortgages. While you’re working hard for your clients, we’ll be working hard for you. for advisers on a mission
more2life.co.uk
| 03454 500 151
CATEGORY SPONSOR
WINNER Lifetime Achievement Award ALISTAIR EWING, THE LENDING CHANNEL
(FROM LEFT TO RIGHT) Jennafer Holt of more2life; Alistair Ewing, The Lending Channel
Alistair Ewing, managing director, The Lending Channel, said:
www.mortgageintroducer.com
“
I never even considered that I might win this award, so imagine my surprise when it became apparent it was me! I feel honoured, humbled but really proud to be recognised in this way.”
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CONGRATULATIONS to all the winners at the Scottish Mortgage Awards Make money work for you
Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.