Equity Release
Commercial Business Protection
Using Just Refer will simplify the referral system previously in place using paperform and will improve visibility, which is crucial to effectively execute business. As we receive surplus 200+ referrals per month, Just Refer will be integral to your business as well as the wider group.
Please see the URL link to access the portal https://justrefer.com/ (Ctrl and click to follow the link). (Your log in is your staff 1 9 number and your password used to access JM Emails via outlook –for any log in issues please raise with either your line manager or Lindsay.Davey@spicerhaart.co.uk)
Log in to the portal and start your first referral now!
Watch Aviva CPD webinar recordings
Aviva have run many valuable webinars this year and here’s a chance to catch up on any of the content you may have missed, By registering, you can listen on demand and there are 7 hours of CPD available.
Aviva 2023 claims event - 2 hours CPD
Making the most of the claims report - 30 mins CPD
MacMillan Q&A - 30 mins CPD
Event: Aviva Digicare+ - 30 mins CPD
Event: Global Treatment - 30 mins CPD
Event: Ask the Experts: Opportunities in the rental market - 1 hour CPD
Event: Ask the Experts: Global Treatment - 1 hour CPD
Event: Send to customer - 1 hour CPD
iPipeline webinars
iPipeline have a full webinar program for advisers. Upcoming events include:
Find out how to stay Consumer Duty compliant and keep your customers engaged.
Understand how the integration between SolutionBuilder & CIExpert can benefit your protection journey
How technology can help you succeed in today’s ever-changing market.
Generate more protection leads, have (and evidence) more conversations, convert more to sales. Digitally.
Find out how to prove the value of a policy to your clients & compliance.
Find out how to highlight the need for protection with your clients.
You can register for all the events here and catch up on others you may have missed.
The Exeter launches a co-branded income risk calculator
The Exeter are pleased to announce the launch of a co-branded version of their Income Risk Calculator. You use it now on their website and see an example here.
Simply enter your details and logo to generate a co-branded report.
Co-branding is optional, you can run co-branded or Exeter branded reports.
If you run a co-branded report, your details and logo will be saved in the browser, so you don’t need to rekey all the information next time
You need to complete all fields for the co-branded report to work.
This is a great way of demonstrating The Exeter’s commitment to advisers and Income Protection by providing tools to help you grow your business.
Income Protection Awareness Week - 18 - 22
September
Income Protection Awareness Week (IPAW) aims to highlight the need for income protection insurance and will provide advisers with a range of insightful, materials and useful information to help them speak to clients more frequently and effectively, about the need to protect their income from the impact of ill health or injury.
There are a number of valuable sessions that you may find useful. Registration links below:
Monday 18 September: Growing your client bank
Tuesday 19 September: Preparing for successful client meetings
Wednesday 20 September: Overcoming top IP objections
Thursday 21 September: Navigating IP underwriting
Friday 22 September: Providing continuing value for clients
Barclays launch remortgage semi-exclusives and they may not be around long
Barclays has launched two new semi exclusive remortgage fixed rates (details below) with The Openwork Partnership included in the very limited distribution. The products are keenly priced so may not be around too long and could be withdrawn at short notice.
New exclusive remortgage fixed rates
New - 5.90% 2 Year Fixed, £699 product fee, 60% LTV, Loans
£5k - £2m
New - 6.03% 2 Year Fixed, £699 product fee, 80% LTV, Loans
£5k - £2m
To submit an application, once you have recommended one of these exclusive products, and progressed to the product screen within Barclays’ application systems, you can simply select ‘other’ from the product selection options and then free type the product code which can be found on the rate guide below.
View the updated semi exclusive rate guide
A handy new resource to help your new build clients
Coventry for Intermediaries has launched a new comprehensive guide to help brokers offer extra support to clients looking to purchase a new build home. The guide is a useful tool for firsttime, and seasoned house buyers, setting off on the sometimescomplex journey to buying a new build property.
The guide contains an interactive house viewing checklist, key questions to ask about the property, step by step guide to securing a mortgage deal, and a comprehensive list of information that should be considered when purchasing a new build.
Download the New Build Client guide
HSBC increases maximum mortgage term
HSBC has increased its maximum mortgage term to 40 years for all new residential applications on a capital repayment basis. Any additional borrowing, either standalone or in conjunction with a remortgage can now also be taken over 40 years.
Please note, for residential applications where there is any element of interest only, the current maximum term of 25 years will continue to apply.
HSBC has also increased the maximum term to 40 years for Buy to Let applications on both capital repayment and interest only.
HSBC’s Affordability Calculator and Broker Platform have been updated to reflect these changes, so you don’t need to input anything differently, and their website will be updated shortly.
Accord mortgages make positive affordability assessment changes
Accord Mortgages can now accept more income types for affordability assessments on both Accord Residential mortgage and the income it uses for Buy to Let Top-Slicing.
As part of its continued commitment to common-sense lending, to help you help more clients with differing circumstances, Accord is increasing flexibility on affordability assessments by accepting some additional income types and some benefits. This includes zero hours contracts for specific keyworkers, Limited company directors’ salary plus their share of net profits, some benefit types and annuities.
Find out more
