Justanupdate
We are delighted to confirm that as a member of Just Mortgages you now have exclusive FREE access to LV= Doctor Services (provided by Square Health).
LV are excited to be offering this to all Just Mortgages advisers until 31 December 2024!
This is a great way to learn more about the support that’s offered and speak to your clients more effectively about these value-added services that are included alongside all LV= protection policies.
How to start using the app:
1.Simply download the LV= Doctor Services app on your smartphone device (available on all app stores)
2.Register for an account using your email address. You’ll be asked to fill in some details.
3.When prompted enter the pin LV2018
4.That’s it, you’re all set up
As a reminder, LV= Doctor Services provides you with six expert medical services all via the smartphone app or by phone call, including:
1.Unlimited, 24/7 remote GP appointments
2.Prescription services
3.Second opinion
4.Remote physiotherapy (capped at 5 appointments per year)
5.Remote mental health support (capped at 5 appointments per year)
6.Discounted health MOTs
More information here
Like our policyholders, your spouse/partner* and children under 16 (selected services) can also benefit from this support. You can also use these services while abroad on holiday. This is all confidential and none of your medical details are shared with LV= or Just Mortgages
Refer a survey and now earn £75!
Who needs a Survey?
Anyone buying a house should certainly consider getting a survey. Some mortgages are offered without a surveyor inspecting a property, with the mortgage decision being determined by an automated or desktop method.
A mortgage lender’s valuation report is purely for the lender and not the customer, it is not a survey. Many lenders no longer offer surveys for their customers
A survey can sometimes seem like an additional, unnecessary expense, but it better for customers to know about the problems upfront rather than uncover expensive surprises after they have moved in.
What are the different types of Surveys?
Level 2 Survey
The RICS Level 2 Survey previously known as a RICS Homebuyers Report is the traditional mid-range level survey.
This report is now available with or without a valuation for clients purchasing a property without a mortgage and where a mortgage valuation is also needed.
This survey includes a physical inspection of the property covering as much of the property as is physically accessible and provides a report based on the inspection including the condition of internal and external elements which are condition rated to identify any repairs or further investigations. The RICS Surveyor will not conduct any tests on the fabric or services of the building (e.g., electrics, plumbing, heating).
Level 3 Survey
A Level 3 Survey previously known as a Building Survey is a detailed report suitable for any residential property and provides a full picture of the construction and condition of the property.
These surveys are completed by specialist Building Surveyors, who undertake an extensive inspection of the property, so these reports also have a significant cost for the client.
How do I refer for a Survey?
Simply, send an email to Referrals@valunation.com
Please ensure you head the email “New Survey or Valuation Referral”
In order for the Valunation Team to proceed the following information MUST be included in your email:
1. Contact Name for the Referral
2. Contact Number
EXCLUSIVE: Webinar launching new Contractor Policy
Aldermore has improved its mortgage proposition and criteria to give you more choice and flexibility for your contractor clients. They now calculate a contract worker’s income by simply using their daily rate for affordability. Aldermore are delighted to offer a Just Mortgages Exclusive Webinar to help you understand these improvements.
Thursday 11th July 11am-11:30am
When it is time simply click HERE A
Your Wellness: Dealing with Relationship breakdowns
Not surprisingly, a relationship can have a significant impact on a person’s mental health and wellbeing .
Recent studies have found that negative social interactions and relationships, especially with partners/spouses, increase the risk of depression, anxiety and suicidal thoughts. In contrast, positive interactions reduce the risk of these issues. When a relationship ends, we can often wonder where to start, how to cope and how can anyone understand. It can even sometimes feel like the end of the world and can feel particularly challenging when we start to lose sight of what we think and feel.
We wanted to highlight the help and support that is available to you should you need it,
Health Assured, our Individual Assistance Provider.
Counselling - While it may seem counterintuitive to seek counselling when a relationship is ending, it can provide both parties with a safe and neutral space to express their feelings and work through any remaining issues. Legal Support -Health Assured have trained legal advisers which can offer guidance and support for the separation and divorce processes.
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 and webinars, held in your training platform, My Learning Space.
We have a wellbeing library with 30 different items for you to explore, below are some examples that includes their links.
Grief - A podcast that talks about grief relating to loss of loved ones and relationship breakdowns as well as providing important advice on how to cope.https://mylearningspace.thinqi.co.uk/repository/resource/ 1a0ed117-ce6a-47ba-ac0c-d56614d210dc
Relationships - A webinar that explores the complexities of relationships and the various components that help forge positive and lasting relationships.
https://mylearningspace.thinqi.co.uk/repository/resource/ d647507c-65cf-4251-83e6-088d8be44cba
Just Mortgages Brokers, Administrators & JMSE
staff members can now access 15% off for their own
Legal Services
We are delighted to announce that as members of Just Mortgages, you can now save 15% on will writing and other estate planning with Co-op Legal Services. Simply Quote 'SpicerCol' when you book
Terms and conditions:
The discount of 15% will be applied once per sale and cannot be used in conjunction with any other discount. The discount is only valid where the offer code "SpicerCol" is quoted at the time of booking an appointment and can only be applied to Co-op Legal Services’ fee for estate planning services (standard wills, mirror wills, trust wills and fully advised lasting power of attorney services).
The discount does not apply to VAT or disbursements. The discount is non-transferable and may not be exchanged for cash. Co-op Legal Services reserves the right to withdraw this offer at any time.
Estate planning services through Co-op Legal Services are only available in England and Wales.
You must use a special link to avail of this discount:
Join HSBC UK’s Intermediary Risk webinars in Q3
CPD approved Mortgage Fraud prevention:
New for 2024, this webinar will take a deep dive into Lender Intelligence, managing difficult conversations and documentation fraud, whilst also covering brand new case studies that have recently been submitted to HSBC UK.
CPD approved Introduction to Mortgage Fraud:
Continuing from 2023, HSBC’s Intermediary Fraud team will be covering Mortgage Fraud, the latest industry trends, intelligence sharing and best practices, whilst also working through some real-life case studies.
Whether you were unable to attend a previous session, or you would simply like a refresh, please join HSBC.
To register for one of the above webinars, please use the below link and enter your details:
Intermediary Risk Q3 CPD Webinars.
Once confirmed, please save the invitation to your calendar.
Attendees must register and attend individually to receive their CPD certificate for the webinar. These details will then be used to issue your CPD certificate.
All webinars will last approximately 45 minutes.
