Firstly, a HUGE thank you to the hundreds of you that attended our 2025 Lender Fayre! We hope you enjoyed the day and night as much as we did.
In the evening, we were delighted to recognise the best of the best and congratulate our award winners, who were:
Top Individual Broker South - George Simon
Top Individual Broker Midlands - Sam Hyslop
Top Individual Broker North - Craig Potter
Top Individual Broker OVERALL - George Simon
Top Principal Firm South - Richard Rejniak – The Mortgage Society
Top Principal Firm Midlands - Sam Hyslop – Nxt Gen Mortgages
Top Principal Firm North - Paul Kozyra – PK Finance
Top Principal Firm OVERALL - Richard Rejniak – The Mortgage Society
Top GI Seller - Anthony Blaine
Top Protection Seller - Daniel Rawlinson
eConveyancer Seller - Sam Hyslop
Best Newcomer Award - Alain Amos
Sales Quality Award - Vivencio Morales
Stuart Mitchell Award - Joe Favata
Many congratulations to our winners!
Enhancement to Broker Fee Agreement
We are pleased to confirm that as a direct result of Adviser Council feedback, we have further enhanced the Broker Fee Agreement form to now include 4 different “payable when” options.
Upon visiting the agreement from today (7th April) you will have the option of selecting either:
On Application On Offer
On Exchange On Completion
This gives you full and accurate paperwork, no matter when you are to take the broker fee.
If you attended the Lender Fayre, you would undoubtedly have heard all about this. For those that didn’t attend or if you require a recap, the business has launched a new programme under the banner “Just Learning.
This programme centres around the CeMap 1 qualification (Cemap 2/3 may follow in future phases).
This could be an excellent pathway for any administrative staff you have working in your business, or indeed family members of advisers who have shown an interest in pursuing a career as a mortgage and protection adviser, becoming CeMAP qualified.
Attendees do NOT have to already be with Just Mortgages to enter the programme.
Upcoming course dates are starting on:
· 14th April
· 28th April
· 9th June
What's Included?
· 7 weeks of structured self-study
· 1 intensive week of revision and exam techniques
· Additional LIBF Fees: £223 Registration fee for the London Institute of Banking and Finance (LIBF). This includes exam entry.
Please contact Lorna Inglis by email: lorna.inglis@justmortgages.co.uk.
Alternatively, you can call Lorna on 07741 152020 if you have any question
Aviva 2024 Claims Statistics
Aviva have shared their 2025 Claims statistics for their Individual and Group protection business. Key highlights:
Aviva paid over £1.89 billion across both Individual Protection (IP) and Group Protection (GP), with IP alone accounting for over £1.3 billion.
61,975 claims were paid across the group's individual and group protection policies.
More than £5.1 million was paid out every day.
Over 680,000 protection customers are registered with Aviva’s wellbeing apps.
52,000 claims were made by customers and families with an individual protection policy.
97.1% of all claims received were paid.
More than 183,500 customers registered with Aviva Digicare+ and Aviva Digicare+ Workplace in 2024, bringing the total number of registrations since the launch in 2020 to over half a million.
ICYMI: New Module on MLS | Multi Policy Protection Solution demo
We are pleased to announce that there is a new module on My Learning Space, which shows a Multi Policy case input from the very beginning in Smartr365 right the way through to Suitability Report in Concert Hub
This module is broken into 3 bite size episodes and can be found HERE
ICYMI EXCLUSIVE: April Webinars to
improve your knowledge
We are delighted to announce that we have arranged a series of webinars in April with to help your knowledge of Zurich. These will be informative, educational and not to be missed! Check the topics out below. Email invitations were sent to you on Thursday but alternatively click on the links below when it is time.
Webinar 1 – 8th April 12:00pm (45 mins)
Five years on from Zurich’s last shake-up of the CI market, when it launched its Life Protection Platform, we have refreshed our proposition, allowing advisers to create a package of cover for each client and their children, that is truly bespoke and provides even greater flexibility, both now and in the future.
JOIN HERE
Webinar 2 – 15th April 12:00pm (45 mins)
Working Together to Write Good Quality Business/Reducing non-disclosure
JOIN HERE
Webinar 3 – 17th April 12:00pm (45 mins)
Zurich’s award-winning optional benefit called Accelerate, provides access to experts from around the world to offer a package of medical care services for cancer, heart and neurological conditions. It gives your customer more choice than standard medical care in the UK, with fast access to consultations, diagnostics, and second medical opinions. It can also help your customer access the latest precision cancer medicine and clinical trials; as well as treatment abroad at some of the leading hospitals in the world.
JOIN HERE
Webinar 4 – 24th April 12:00pm (45 mins)
The most valuable asset we have is ourselves and our ability to generate an income, so this session will provide you with an introduction to one of our most important products, the Zurich Income Protection policy. We will look at the facts about long-term sickness and the risk vs reality of customers perceptions. We will look at how income protection works and can meet your customers protection needs, through choice, flexibility and support, using our Life Protection Platform.
Royal London Holistic Protection Webinar
Join Royal London for a webinar on holistic protection planning on Wednesday 23rd April at 10am to find out how to support good client outcomes and also good outcomes for advisers.
Understanding risk based conversations and how they can help clients to understand the value in protection solutions and then how to design a fully holistic solution that provides multiple opportunities to claim for a family. Focus on the areas of the Royal London proposition that are designed to achieve good outcomes for clients, but can also be used by the adviser to demonstrate the power of advice.
HSBC | Economic Overview Webinar – Friday 11th
April 11am
Join HSBC for their informative Economic Overview and will be hosted by Tracie Burton, Senior Corporate Account Manager.
Views on the global and UK economy, along with the Spring Statement will all be covered, so don’t miss out!
To Register, simply click on the date link below and register your details. Please note, when registering you will be asked for an FCA reference number and Firm name - just key-in 00 and HSBC UK
You will then be sent an invite to confirm.
Santander’s lowest residential affordability rates since 2022
On Friday 28 March, Santander became the first large lender to improve its residential affordability rates since the FCA announced clarifications to regulation earlier in March. This means Santander’s residential affordability rates are the lowest they've been since 2022. It’s great news for you and your clients as Santander will be able to say 'Yes' to more cases.
Standard affordability rate reduced by 0.75%.
£4£ remortgage/5 year fixed affordability rates reduced by 0.75%
Retained not let property affordability rate reduced by 0.75%.
Plus, Santander has listened to your feedback and reduced its existing customer affordability rate by 1.75% allowing new and existing customers to borrow the same amount. Ahead of the new tax year, Santander is also taking the opportunity to update Scottish tax and student loan thresholds, which means some of your clients could borrow more if they need to.
