Mortgage Solutions

Francesco Di Pietro is joined by Anthony Rose, CEO at LDN Finance, and Richard Merrett, Managing Director at Alexander Hall, to explore the opportunities and challenges facing the larger loans and complex lending market. Together, they discuss how Stamp Duty, the proposed high-value Council Tax surcharge and changing buyer confidence are influencing the higher-value property market. They also explore the challenges of assessing complex income structures, from bonuses and share schemes to retained profits, and the importance of specialist advice, flexible lending criteria and strong broker-lender relationships in supporting clients with more complex mortgage needs. For intermediaries only.

Francesco Di Pietro is joined by Mark Pender, Director at MAB New Homes, and Greg Cunnington, Head of Strategic Accounts at Legal & General Mortgage Services, to explore the changing new build market and what it means for brokers and their clients. Together, they discuss life after Help to Buy, the affordability and deposit challenges facing buyers and whether the perceived ‘new build premium’ tells the whole story. They also explore the importance of specialist new build knowledge and how brokers, lenders and developers can work together to help more clients navigate the new build mortgage journey. Although this episode was recorded before the proposed Your First Home scheme was announced, the discussion explores many of the challenges that continue to shape the new build market, from affordability and deposits to access to homeownership.

Francesco Di Pietro is joined by George Yerou, Head of Mortgage Sales at Freelancer Financials, and Matt Coulson, Founder and Managing Director at Heron Financial, to explore self-employed mortgage lending and how the changing world of work is influencing the mortgage market. Together, they discuss the realities of supporting self-employed borrowers, from understanding different income types and placing cases that do not fit neatly within standard criteria to the role of technology, experienced underwriting and strong broker-lender relationships. They also explore how building expertise, reputation and trusted referral relationships can help brokers grow their self-employed business. Email - Self-employed For intermediaries only.

Francesco Di Pietro is joined by Kathryn McGee, Data Science Manager at Newcastle Building Society, and Rachel Geddes, Strategic Lender Relationship Director at Mortgage Advice Bureau, to explore how mortgage affordability is changing. Together, they discuss why affordability is about more than just a number and how lenders and brokers can respond to increasingly varied borrower circumstances. Topics include the role of data, personalised affordability, lender flexibility and product innovation, and how evolving approaches to affordability can help deliver the right outcomes.

First-time buyer mortgages: affordability, deposits and advice for brokers. Francesco Di Pietro is joined by Paul Broadhead, Head of Mortgage and Housing Policy at the Building Societies Association, and Ben Riley, Director at First Mortgage. Together, they explore the challenges facing first-time buyers, the options available across the market and the role brokers play in helping more people achieve home ownership. Topics include low-deposit mortgages, affordability, longer mortgage terms and the importance of early advice.