Justanupdate
Further spaces now available at our Lender Fayre on 2nd April 2025!
After extensive discussions with our Lender Fayre venue, we are delighted to confirm that in addition to their main room, where the Lender stalls will be, we will now be having a large Marquee on site to host our Opening/afternoon keynotes and evening event.
This therefore means we have around 25 additional spaces now available for you to book! These will go quickly so read on to grab one…….
Act Now:
If you haven’t therefore yet RSVP’d and you would like to attend, what will be an even bigger event then before, simply visit the RSVP link HERE
Just Mortgages are contributing significantly to the cost, meaning the price to you is just £64.00 B&B. The hotel is The Arden Hotel & Leisure Club. (not to be confused with the Lender Fayre venue, it is NOT the same!). This hotel is a short distance from the Lender Fayre venue and we will be providing shuttle bus transfers to and from the hotel in the evening.
Simply contact The Arden Hotel Reservation hotline on 01675 443221 and quote code GA003105.
Availability is strictly limited, so we strongly encourage you to take this step today if you are attending the Lender Fayre!
Underwriting & Claims
The details for February’s adviser Webinar have now been finalised and it promises to be a very valuable & informative session for you.
Royal London will be sharing expert insight regarding how Royal London approach clients underwriting and claims and will be joined by their Underwriting Philosophy and Claims Philosophy Manager’s Dominic Pagen and Tanya Rawlings.
Date/time of Webinar: 11th Feb – 11am (45 mins)
An invite will be emailed to you later today, but alternatively click on the link below when it is time
Join HERE
Did You Know this about Royal London……..?
Can offer flexible Children’s Critical Illness cover which can be included when needed and removed when it is not. Enhanced Children Cover offers 13
Child specific conditions, 50% up to £50,000 on main sum assured, cover for 8 Pregnancy complications, £10,000 paid out on death of a child and a £50,000
Child Conversion Option meaning the child can take out their own Critical Illness cover without underwriting when they are older.
Helping Hand is included on every plan and we will support your clients for up to 3 years after the policy has ended.
Clients can utilise our unique Lifestyle Review feature to potentially improve on the terms offered at outset.
To discuss any of these points or for any Protection queries, speak to your Royal London BDM Simon - 0131
We don’t want to grumble to friends, family or colleagues about work or personal issues , we don’t want to appear weak, feel like were overreacting, getting the wrong end of the stick or want to be seen as a complainer. Although sometimes it may feel easier to tell people we’re ‘fine’, bottling things up and putting a brave face on can have a negative impact on our wellbeing.
The old saying of 'a problem shared is a problem halved' was proved from a study by Age UK, which showed that when people share worries with others, it can really improve their situation:
· Around 3 in 10 adults share their worries (29%).
· Of these, over a third (36%) feel brighter as a result,
· A quarter (26%) feel relief when they have confided in someone about a problem
· 8% feel that the problem has gone away once shared
This Thursday is the national initiative ‘Time to Talk’ day, it’s about encouraging people to talk and be open about mental health. First launched in 2014, it aims to break the stigma surrounding mental health issues and emphasise the value of talking as a first step toward understanding and healing. By openly discussing struggles, we normalise seeking help for mental health and create a culture where everyone feels safe to share their experiences without fear of judgment. It’s a chance for all of us to be more open about our mental health and talk about how we really feel, today and everyday. We wanted to use the day to highlight the help and support that is available to you should you need it,
Health Assured, Your Wellbeing Assistance Provider.
Your Wellbeing Assistance programme is a confidential benefit package designed to help us deal with personal and professional problems that could be affecting home life or work life, health, and general wellbeing. Services available -
• Life support: Access to counselling for emotional problems and a pathway to structured therapy sessions
• Legal information: For issues that cause anxiety or distress including debt management, consumer, property or neighbour disputes
• Bereavement support: Counsellors who can help with grief plus legal advisors to help with related legal matters.
• Medical information: Qualified nurses are on hand to offer support on a range of medical or health-related issues offering practical information and advice.
• Online CBT: Self-help tools and leading qualified counsellors in dealing with a range of issues.
• Your Family: offers support for you and your immediate family members
Health Assured also offers support for you and your immediate family members*, 24 hours a day, 7 days a week, 365 days a year by calling 0800 917 6470 .
*Health Assured define immediate family members as spouse/partners and children aged 16 to 24 in full-time education, living in the same household.
My Learning Space, your training platform.
Below are links to podcasts, modules, and webinars held in your training platform, My Learning Space.
We have a wellbeing library with over 30 different items for you to explore, below are some examples that includes their links. Supporting loved ones with their Mental Health
In this podcast our wellbeing assistance provider Health Assured, speaks to counsellor Amy Hyman about supporting loved ones with their mental health. Click HERE
Managing Loneliness
In this 10 minute module we explore what loneliness is, the effects and different ways to tackle it. Click HERE
Burnout, Disconnecting & Setting Boundaries
In this module Health Assured explores discusses High Performances Pressures, Burnout, Disconnecting & Setting Bound C
Exclusive:
Halifax & SmartrC Webinar – 5th February
You may have heard about SmartrConnect and indeed have already started using this time saving tool.
But what are the REAL benefits and importantly from a lender perspective how does this help them to help you?
On this Webinar, Halifax will cover:
· Why use an API? · Halifax DIP with Smartr365 · Q&A
Exclusively for Just Mortgages Advisors, Join Halifax for an informative 30-minute webinar on Wednesday 5th February 1pm
Click on the icon below to register and an invite confirmation and link will then be sent to you!
Empowering Advisers for a Brighter Future: Aviva's Development Programme
"With you today for a better tomorrow" is more than just a slogan for Aviva; it's a commitment to ensuring that you are equipped with the skills and knowledge you need to deliver exceptional customer outcomes. In 2025, this means providing a comprehensive development programme designed to support you at every stage of your career.
A Programme Tailored for All
Aviva, a leader in the field of protection, has crafted a programme that caters to advisers of all experience levels. Whether you're a new adviser looking to build foundational skills, a seasoned professional brushing up on old skills, or someone eager to explore new tools and opportunities, Aviva has something for you.
Maximising Protection Potential
No matter what your protection goals are, Aviva's development programme is designed to help you achieve them. The programme is structured into three distinct levels, allowing you to choose a path that best suits your needs
Development Programme Overview
Foundation Level
· Duration: Two weeks
· Modules: Eight
· Structure: Week 1 and Week 2
Growth Level
· Duration: Two weeks
· Modules: Eight
· Structure: Week 1 and Week 2
Competent Level
· Duration: One week
· Modules: Four
· Structure: Week 1
Building Your Individual Learning Programme
The programme offers 20 development modules across three learning levels, with CPD certificates provided for each session attended. These sessions are best accessed live, offering the opportunity to email questions and receive immediate responses. However, they can also be watched on demand, allowing you to create your own Learning Library and select the most relevant sessions for your needs.
Summary
Aviva's development programme is designed to equip you with the necessary skills and tools to effectively engage with your clients, address their protection needs, and provide exceptional service. Ongoing support and engagement is also available through your Aviva Protection Development Manager (PDM), ensuring that you have the resources you need to succeed.
By investing in this programme, you can look forward to a future where you are better prepared to meet the challenges of the industry and deliver outstanding outcomes for your clients. With Aviva by your side, your future looks bright indeed.
Click here to explore the week-by-week programme and customise your learning path.
Barclays policy update: Product transfer window
On Wednesday 25 September 2024, we changed our product transfer window from 180 days to 90 days. We made this change in the context of the stable rate environment and the vast majority of our customers applying for product transfers within the last 90 days of their maturity. To ensure a smooth transition, we have been operating a grace period to allow any pipeline appointments, applications and amendments to be worked through. This grace period will be coming to an end as of the close of day on Tuesday 4 February, after this date all product transfers must be within the last 90 days of maturity.
Frequently asked questions – What rates are available for product transfers?
Rates from our preferential Reward range are exclusively available to existing Barclays mortgage customers for product transfers and further borrowing. View our competitive Reward range
How can I apply?
You can apply quickly and easily using our online product transfer tool with no documentation or signed declarations required. Available for both residential and buy-to-let applications, the easy to use tool is located within the tools section of the Barclays Intermediary Hub.
Co-op Legal Services | estate planning pricing update
From 17 February, prices for Co-op Legal Services will change; some will reduce, some will increase and others remain unchanged.
For the several years, Co-op Legal’s pricing for Wills, Trusts and LPAs has remained unchanged whilst navigating various economic challenges.
From 17 February, prices for these services will change; some will reduce, some will increase and others remain unchanged
The cost of a single will, will reduce to £149 inc VAT (currently £150 inc VAT) and the cost of a mirror will, will increase to £249 inc VAT (currently £245 inc VAT).
Details of all prices from 17 February are below:
Why have Co-op Legal made these changes?
Co-op Legal Services, believe that everyone has the right to professional legal services. Their core mission is to ensure that their services are accessible to all, and they do this by providing affordable fixed fee, professional legal advice and support through a blend of digital and 1-2-1 specialist advice.
Over the past several years Co-op Legal have successfully navigated significant economic challenges without compromising the quality of the services that their distribution partners and customers trust. Through strategic investments in their business, and advanced technologies, they have implemented efficiencies that enable them to minimise the impact of rising costs on their customers.
As a result of these efforts, the upcoming price adjustment will average below 6%, ensuring that the increase remains significantly lower than many industry benchmarks. This measured approach reflects their dedication to combining sustainability with fairness.
How do I refer to Co-op Legal Services?
Simply visit the Co-op referral hub: HERE to start referring your clients, we recommend you save this URL to your web browser for quick access.
MetroBankincreasesBuy toLetmaximumloansizes
Metro Bank has increased its maximum loan sizes across its entire Buy to Let Range, including Limited Company Buy to Let. This enhancement opens up more opportunities for property investors to grow and diversify their portfolios.
Here are the new maximum loan to values:
Maximum 75% Up to £2,000,000 loan amount
Maximum 70% Up to £2,500,000 loan amount
Maximum 65% Up to £3,000,000 loan amount
Maximum 60% Up to £10,000,000 loan amount
Maximum 50% Over £10,000,000 loan amount
Vitality Launch 2025 |
Register now
Vitality invites you to sign up for the unmissable Vitality Launch Event 2025 event on Wednesday 12 February 2025 at 10am. During the event you can learn more about the innovative enhancements Vitality is making across VitalityLife and VitalityHealth, find out how they will be transforming clients’ experience of insurance with the changes to the Vitality Programme. Plus, Vitality will also be revealing how they’re making it simpler to do business with them.
You won't want to miss it, so make sure you RSVP today!
Register now to secure your place, click on the button below:
