2024 Coffee Mornings

Join our first coffee morning of 2024, hosted as always by Sophie Holloman, Key Relationship Manager at Legal & General Mortgage Club. Sophie will be joined by Max Sheppard, Group Economist at Yorkshire Building Society.

Max will look at what happened across 2023 from an economic perspective and how past events could shape the 2024 market. Max and Sophie will discuss the impact of inflation, fluctuating mortgage rates, product availability and the effect that current market conditions are having upon affordability. Max will also explain how different types of lenders are funded and how that affects pricing. This session will provide advisers with an interesting early insight into where the market could be heading in 2024, and Max will provide his economic commentary in an easy to digest fashion.

Our February coffee morning will be focused upon 2nd charge mortgages, and for this session, our usual host Sophie Holloman, will be joined by David Paton, Business Development Manager at Fluent Money.

Sophie & David will discuss how 2nd charge mortgages work, and why brokers are often apprehensive to recommend them to clients. They will discuss the pros and cons of 2nd charges, the type of scenarios and clients for whom this type of loan might be a viable option, as well as exploring the process of how 2nd charges are placed. This session will be useful for those brokers wanting to know more about these type of mortgage loans, and Fluent Money will be able to highlight the type of support they can offer in this area.

Our March coffee morning will be focused upon the Self-employed market, and for this session, our usual host Sophie Holloman, will be joined by Jonathan Mann, Corporate Account Manager at One Savings Bank Group.

The self-employed market is constantly evolving and with it the need for lenders to adapt, especially when it comes to how they assess their incomes which are often in complex structures. Self-employed customers are struggling more than ever to secure the mortgage or loan they need with mainstream lenders, due to trading periods of less than 2-3 years or their unpredictable and varied income structures.

It’s important that lenders understand the difficulties self-employed customers face and can take a more pragmatic and flexible approach when underwriting their cases. As an adviser, it’s equally important to understand how lenders operate in this space so you can fully support your self-employed customers.

This session will look at:

• Identifying affordability boosters
• Why understanding financial and trading year ends can make the difference
• A lender’s interpretation on accounts and tax calculations/tax year overviews
• Share Net Profit, Returned Profit Adverse Projections
• Complex incomes; Day rate contractors/IR35, CIS workers

Our April coffee morning will be focused upon conveyancing, and for this session, our usual host Sophie Holloman, will be joined by Emma Hall, Key Relationship Director at Movin Legal.

Conveyancing is a key stage within the house buying process, and its important that brokers efficiently partner with a solicitor or conveyancer to handle to the legal aspects of property purchases, to ensure a smooth journey for their clients.

Movin Legal are one of L&G Mortgage Club’s conveyancing partners through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

Sophie and Emma will discuss how easy it is for brokers to refer their clients to our conveyancing panel and what the average commission rate is that can be earned. They will also look at what Movin Legal do and how they differentiate from other conveyancing firms.

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of conveyancing, this webinar not to be missed.

Our May coffee morning will be focused on bridging, and for this session, our usual host Sophie Holloman, will be joined by David Coleman, Head of Sales at Positive Lending.

Bridging loans are often used by clients who want to buy a new home before selling their current one, and so they take out short-term loan used to help ‘bridge the gap’.

Positive Lending are one of L&G Mortgage Club’s specialist partners for Bridging through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

Sophie and David will discuss how bridging works, the types of scenarios in which it can help your clients, the importance of speed in the process, and most importantly, how you as a mortgage adviser, can earn commission for referring clients who need a bridging loan to achieve their goals.

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of bridging, this webinar is not to be missed.

Our June coffee morning will be focused upon wills & trusts, and for this session, our usual host Sophie Holloman, will be joined by James Peacock, Head of National Accounts & Partnerships at Kinherit.

Kinherit are one of L&G Mortgage Club’s specialist partners for Wills & Trusts through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

Sophie and James will discuss what wills and trusts are and their importance to mortgage clients (particularly important if you live with someone with whom you are not married to), how Kinherit can support clients to make a will or a trust, and most importantly, how you as a mortgage adviser, can earn commission for referring clients who need a will to trust to protect their circumstances.

So if you want to understand more about our Referral Pro Scheme, and how it works through the example of wills & trusts, this webinar is not to be missed.

Our July coffee morning will be focused upon high valuations and restricted lenders, and for this session, our usual host Sophie Holloman, will be joined by Gareth Lowman, Director of SPF Private Clients.

SPF Private Clients are one of L&G Mortgage Club’s specialist partners for high value mortgages and restricted mainstream lending through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

Sophie and Gareth will discuss the complexities involved with million pound plus properties which often require the services of lenders that many DA firms don’t have access to. However, by using the Referral Pro Scheme, DA firms can assist clients whose needs involve high valuations, by partnering with the right firm, and in doing so, how you as a mortgage adviser, can earn commission for referring these types of clients.

Our August coffee morning will be focused upon commercial finance, and for this session, our usual host Sophie Holloman, will be joined by Mark Jones, Director of Omega Commercial Solutions.

Omega are one of L&G Mortgage Club’s specialist partners for commercial finance, development finance and commercial mortgages through its Referral Pro scheme, which helps brokers earn commission for referring clients to trusted partners to handle specific client needs. It also supports brokers in their delivery of Consumer Duty regulations by helping clients reach their financial goals.

Commercial financing comes in many shapes and sizes, ranging from term loans and revolving lines of credit to business mortgages, equipment loans, cash advances and more. Sophie and Mark will primarily discuss the range of options avaibel to business within the commercial finance realm.

As a DA broker, if you have a client with a commercial finance need that you cannot service yourself, then by using the Referral Pro Scheme, you can assist them, by partnering with the right firm, and in doing so, earn commission for referring these types of clients.