Justanupdate
Monday23rdSeptember Thisweek'sheadlines:
Exclusive: Royal London Webinar Tuesday 8th October
We are delighted that many of you are already enjoying Royal London since they came onto panel some two months ago.
To assist in building further knowledge of Royal London, we are pleased to confirm an exclusive Just Mortgages Webinar has been arranged where you will learn:
What to expect from a Royal London partnership. Overview and welcome to Royal London. A look to the future and support on offer.
A calendar invite will be forwarded to you today, but please find the Teams Link below when it is time.
We would strongly recommend you attend if you are able!
11:00am Tuesday 8th October – 40 Minutes
If you are yet to join, you are missing out! With almost 300 brokers now a member on the forum, this is your opportunity to hear about all things Just Mortgages and gain the opportunity to chat and network with your Broker peers!
Reasons to join:
Have fun on the page!
Opportunity for you to engage with other like minded self employed brokers
Important updates provided (we will always share these on other platforms however)
Celebrate work anniversaries & other achievements
Promote Educational and training initiatives
Promote well-being
And lots more….
Joining is easy, simply visit https://www.facebook.com/groups/294705703440195/ or point your phone at the QR Code below:
Coventry adds additional functionality to MSO
Coventry for intermediaries have rolled out additional functionality on MSO, making it even easier for you to do business with them.
The latest update means you should submit all Buy to Let new business, residential new build and Interest-only cases, as well as other selected residential new business and like-for-like product transfers.
What’s in it for you?
It’s quick – MSO cases go to offer one day quicker than non-MSO cases*
It’s easy – you can track your cases in real-time. It’s simple – you can make any necessary changes.
Got a question?
Their dedicated intermediary support team are always on hand to help.
0800 121 7788 (Monday to Friday 9am – 5pm)
Live chat (Monday to Friday 8am to 6pm)
Log in to MSO today HERE
*Based on average days to offer in July and August 2024
LV= Exclusive Webinar exploring visual sales Aids
We have arranged a Just Mortgages exclusive Webinar on Wednesday 25th September at 10am where LV= will explore the use of visual sales aids, including their unique Protection Calculator.
In addition to demonstrating how the calculator can increase your protection conversion, they will share other visual tools that highlight the benefit of having the right protection in place.
This bite size session is strongly recommended to both new advisors who wish to learn more about the visual aids LV= provide but also experienced advisors who want to take a fresh look at this area.
Simply click HERE to register for the session, a calendar invite will then be sent to you.
Pepper
Money: Supporting clients when 'computer
says no'
The mortgage market is looking increasingly buoyant. As rates continue to reduce, more customers are returning to the market. Are you prepared?
Pepper Money is pleased to share news around the opportunity to help more customers and increase business volumes. The good news is the total number of judgments registered against consumers decreased by 19%, from 234,768 in Q2 2023 to 190,023 in Q2 2024.
However, the value of consumer debt increased by 6%, from £364 million to £387 million. The average value of debt against consumers also increased by 31%, from £1,550 to £2,038. Have you seen more customers seeking debt consolidation?
This means the cases you come across may not be vanilla and could fail if a recently registered CCJ comes to light or the 'computer says no' due to high but manageable debt-to-income ratios. Pepper Money understand its broker partners may increasingly require the clarity and certainty of our human approach to specialist lending.
Read more: Reasons to be optimistic for the rest of the year
Accelerate
webinar series has launched
Zurich recently launched a new optional benefit, Zurich Accelerate, which provides access to experts from around the world to offer a package of medical services for cancer, heart, and neurological conditions.
If you would like to learn more and how it can benefit your clients, you are invited to join Zurich for a series of lunch and learn sessions, along with a joint CPD webinar with Zurich's trusted partner, Further Group. The sessions start from 18 September 2024.
Register HERE
Join HSBC for a bite-size session on how to prevent mortgage fraud.
There is still time to join HSBC for these bite-size sessions (last approximately 15 minutes) and will provide a high-level overview on how to prevent mortgage fraud in these key areas - secondary employment, family employment and unconfirmed employment.
To register for one of the webinars, please click on your preferred option below and enter your details. Once confirmed, please save the invitation to your calendar.
Family employment:
Tuesday 24th September – 10:00am
Wednesday 25th September – 15:00pm
Second employment:
Wednesday 25th September – 09:00am
Thursday 26th September – 12:00pm
Unconfirmed employme
Tuesday 24th Septembe
Thursday 26th Septemb
Halifax make improvements to Further Advance Applications
Following your feedback, Halifax have improved their Further Advance application process to better enable you to support existing Halifax mortgage customers looking for additional borrowing. The new and improved process is now available via Halifax Intermediaries Online.
Key features:
Instant decisioning with a Decision in Principle that has a ‘soft footprint’ credit search
Create and review illustrations instantly
Save and resume keying
Ability to amend the loan amount and other details before you submit the application in full
How to key:
In Halifax Intermediaries Online Select ‘Create Further Advance’ as normal. The online system fact find questions will automatically determine if an application can follow the new or existing process.