JUST MORTGAGES NEWS AI FOR SELF EMPLOYED ADVISERS – INTERACTIVE WORKSHOP Someadvisersareexperimenting Somearesteeringclear Mostarestillunsurewhereit genuinelyfitswithinacompliant,professionalmortgageandprotectionbusiness.
ThatuncertaintyisexactlywhywearelaunchingapracticalAIworkshopdesignedspecifically forself-employedadvisers.
Thisisnotaslideledoverview Itisnottechforthesakeofit Itisastructured,interactive workingsessionfocusedonrealadvisoryactivity.
Youwill:
•Identifywheretimeandrevenueleakwithinyourbusiness
•Defineclearboundariesforsafeandcompliantuse
•Learnhowtostructurepromptssooutputsaregenuinelyusable
•ApplyAIdirectlytoyourmarketing,communicationandorganisation Ifyouwouldlikeaclearersenseofwhatthesessioncoversandwhyitiscommerciallyrelevant, pleasetaketwominutestowatchtheshortvideo:
Now,let’saddresstheelephantintheroom.Theworkshopis3.5hourslong,withabreak.Yes, thatisameaningfultimeinvestment.Itisalsowhatisrequiredtomovebeyondawarenessand intopracticalapplication Thissessionisdesignedtobehandson,commerciallyfocusedand immediatelyrelevanttohowyourunyourbusiness.
Ifyouaregoingtocommitthetime,itwillbepurposeful Ifyouwouldliketoattend,please registertodayviatheformsowecangaugedemandandsecuredatesinthediary.
CONCERTHUB – BROKER FEE PAYMENT METHOD WeareawareofasporadicglitchinConcertwherethepaymentmethodfor brokerfeecomesacrosswronglywhichthenimpactstheSuitabilityReport
Whereabrokerfeehasbeenchargedthisshouldalwaysbenotedas“From ownfunds”inConcerthubwhichwillfeedthecorrectwordingintotheSR:
PleasecheckyourSuitabilityReportstoensurethecorrectwordingis showing:thehighlightedisincorrect–thisshouldread“I have recommended that you pay the advice fees at the outset which will avoid any interest being added to them.”
HOMEBUYER AUTHENTICATION & ONBOARDING — NEW LOGIN JOURNEY Basedonfeedbackwheresomecustomershavebeenfacingintermittentissues loggingintotheirHomebuyerapp,wehavemadesomeupdatestothelogin experience,replacingthepreviousmagiclinkemailflowwithusernameand passwordlogin.
What's changed ExistinguserswhohadamagiclinkaccountwillneedtousetheForgot Passwordjourneytosetapasswordforthefirsttime.TheForgotPassword journeywillemailtheuserapasscode,whichwhenverifiedallowsthemto setupapasswordtouseforallfutureloginattempts. Newuserscanself-registerviaSignUp,withemailverificationrequired beforeaccountcreation.
Onfirstlogin,newusersareguidedthroughanonboardingflowcovering: acceptingcompanyacknowledgementdocumentsandverifyingtheir mobilephonenumberviaSMSbeforereachingtheirdashboard.
Other Improvements delivered to the Platform Document Upload & Classification - Document Store We'vemadesomeimprovementstotheDocumentUploadfunctionalitybetween HomebuyerappandAdvisorPortal.
What's changed WhenauseruploadsadocumentviaHomebuyer,wewillnowclearlyshow themthestatusofthatupload.
Whenahomebuyeruploadstheirdocuments,wehaveimprovedthelevelof classificationforwhenitlandsintheDocumentStore.Documentswillget standardisednamingclearlyshowingwhosubmittedthedocument,andthey willbeautomaticallycategorised.Anydocumentthatwecan'tidentifywillbe classifiedinthe'Other'folder.
Passwordprotecteddocumentswillnotbeallowedtobeuploaded.The homebuyerwillseeanerrormessageaskingthemtouploadanon-protected document.
Occupation Dropdown - Fact Find We'veimprovedthe'JobTitle'sectionofthefactfind.Now,advisorswillbeable tochoosefromanextensivedropdownwhenselectingahomebuyers occupation.Ifthejobtitleisnotinthislist,theOccupationcanbesetto'Other', allowingafreetextfieldtoappeartocompletethejobtitle.Anypre-existingjob titleentriesthatdonotmatchtheoccupationdropdownwillbevisibleintheJob Titlefield,providingtheOccupationissetto'Other'
Current Employment Improvements - Fact Find CustomersmadeusawareofissueswiththeCurrentEmploymentsectionofthe Homebuyerfactfind,wheredatawasnotcorrectlycomingintotheadvisor portal.We'venowdeployedsomefixesthatshouldensurethatfieldscompleted byHomebuyeruserswillnowsaveeveniftheusertemporarilyleavesthissection, andpullthroughtotheadvisorportaloncetheHomebuyeruserhasclicked 'Complete'forthissection.
MORTGAGE NEWS Coventry'sLimitedCompanyBuytoLetrangeisbuilttomakethingseasierfor youandyourclients,whetherthey’renewtotherentalspaceorhaveyearsof experience.
Withclearcriteriaandstreamlinedprocesses,Coventry'sproductsare designedtohelpyourlandlordclientsmakethemostoftheirrentalincome.
Coventry's Limited Company BTL at a glance
Uptofourshareholdersand/ordirectors
UptosevenmortgagedBTLpropertieswithus,and15intotal Coventryacceptfirsttimelandlords
Nominimumincomerequired
2and5-yearfixedproducts
Loansfrom£25,001upto£1million.
What’s in it for you?
FIND OUT MORE You’llfindmostofCoventry'sBuytoLetpolicystillapplies-straightforward andtransparent,withsomesimpleenhancementstosuitmoreofyourclients
Asmootherprocessforyou-choosefrom300+conveyancersyouknowand trust
Expertsupportwhenyouneedit-withyourtwoBDMsandadedicated intermediarysupportteam
Applyonline-lessadminandafasterturnaround.
HOW TO SUPPORT MORE HOME BUYERS First-time buyer products, built different –
Youtolduswhatyourclients need,sowe’vemadechanges,givingyoumoretools,flexibilityandroutesto “yes”.
Now you can help more home buyers –
Reallifedoesn’tfollowaneatpath andyourclients’homebuyingjourneysdon’teither.So,we’veupdatedour DelayedStartmortgagesandaddedadelayedstartfeaturetoourTrackRecord andSharedOwnershipmortgages.Thesegiveyoumorewaystosupport clientswhenstandardoptionsdon’tquitefit.
So, what’s new?
Delayed Start mortgages:
Yourclientscannowdelaytheirmortgage repaymentsforuptothreemonths(1,2or3months–dependingonthe productchosen)aftercompletion Intereststillaccruesfromdayone
Track Record mortgages:
YourclientscannowcombineTrackRecord withthedelayedstartfeature.Clientsmustbe21oroverwithlittle(less than5%)ornodepositwhocancomfortablymakemonthlyrepayments. Theymustalsobecurrentlyrentingorhaven’townedapropertyforthree yearsandhavepaidallrentfor12monthsinarow,withinthelast18 months.
Shared Ownership mortgages:
YourclientscannowcombineShared Ownershipwiththedelayedstartfeature.Forclientswithsmallerdeposits whoneedtheflexibilitytobuyashareofaproperty(usuallybetween25% and75%)andgrowfromthere.Rentpaymentstothehousingassociation orregisteredlandlordarestillduefromthestartoftheterm.
Subject to eligibility and lending criteria. Findouthowthesechangescansupportyourconversationswhenbudgetsfeeltight
See how our products are built different.
VIDA ANNOUNCE IMPROVEMENTS TO FOREIGN NATIONAL CRITERIA SpecialistLendingStartsHereandtoday,thatmeansevenmoreopportunities foryourForeignNationalBuytoLetclients.
VidaHomeloanshaverolledoutamajorexpansionoftheirForeignNational criteriaacrosstheentireBTLrange.Thatmeansmoreflexibility,moreclarity andmorewaystoplaceyourcomplexcaseswithconfidence.
What’s New? ✔ Mixed status applicants now accepted
Ifoneapplicanthasanindefiniterighttolive/workintheUKandtheotherholds anapprovednon‑permanentvisaandhasbeenintheUKfor12+months,you cannowsubmitunderthestandardpolicy.
✔ Foreign Nationals without ILR are now eligible
ApplicantswithanapprovedvisatypecannowaccessourfullBTLoffering, evenwithoutIndefiniteLeavetoRemain
✔ UK residency requirement cut in half
VidaHomeloanshavealsoreducedtherequirementforthelengthoftimea landlordmusthavebeenlivingintheUKwithoutinterruptionfrom24months to12months,openingthedoorformorerecentlysettledborrowers.
ThesechangesbuildontheimprovementsintroducedforResidentialForeign Nationalborrowerslastyear
TMW | HELP LANDLORDS PREPARE FOR THE NEW EPC RULES TheMortgageWorkshascreatedaguidetoexplainthegovernment'splansto overhaultherulesaboutenergyefficiencyandwhatyourlandlordclientscando togetready.
ThegovernmentannounceddetailsoftheirnewWarmHomesPlaninJanuary 2026,whichhassignificantimplicationsforprivatelandlordsinEnglandand Wales.
TheMortgageWorkshascreated,incollaborationwithSuzanneSmithfounder ofTheIndependentLandlord,aguidetoexplainthegovernment'splansto overhaultherulesaboutenergyefficiencyandwhatyourlandlordclientscando togetready.
From1October2030,theminimumEPC(EnergyPerformanceCertificate) ratingforalldomesticprivaterentedpropertieswillchangefromanEtoanC
Five things your landlord clients should do now:
5. Keeprecordsofwhattheyspend
PROTECTION & GI NEWS BRINGING METLIFE TO LIFE Due to huge demand, we have arranged for a series of webinars; “Bringing MetLife to Life”
ThesessionlooksathowMetLifeprotectionsupportsclientswhenitmattersmost. Wewillfocusonkeystrengthsofthepropositionandhowtopositionthemclearly andconfidentlyinclientconversations.HostedbyourexpertDivisionalTrainer Scarlett,wearecertainyouwillgainhugelybyattending!
Simply click on which date/time you wish to attend and register:
Thursday 12 March 10:30-12:00
Thursday 12 March 13:30 - 15:00
Did you know? Children’s Cover Whenreviewingaccidentandhospitalproducts,children’sbenefitsare sometimestreatedasanadd-onafterthought.ButwithMetLifeUK MultiProtect,thechildren’soptioncanmateriallystrengthenyourfamily protectionproposition,particularlyinmortgagecasesinvolvingyoung dependants.
Here’s what’s often overlooked:
1.Did You Know… One Addition Can Cover All Eligible
Children? Ratherthanpricingperchildinthetraditionalprotectionsense,MultiProtect’s children’scoverappliestoalleligiblechildrenwithinthehousehold(subjectto policyterms).
Foryou,thissimplifiespositioning:
Noneedtocalculatemultiplechildpremiums. Straightforwardaffordabilitydiscussion. Clearvaluecomparisonversusstandalonechildren’sCIriders.
2.Did You Know… Cover Extends Beyond Critical
Illness Triggers? Unliketraditionalchildren’scriticalillness,whichfocusonspecifiedserious illnesses,MultiProtect’schildren’sbenefitsaretypicallyaccident-ledand hospital-based.
Thatmeanspayoutscanarisefrom:
Brokenbones
Accidentalinjuries
UKhospitalstays
Forfamilieswithactivechildreninvolvedinsport,thisisoftenmorerelatable thanlowerprobabilitysevereillnessscenarios.
3.Did You Know… Cover Can Extend Into Early Adulthood?
Eligibilitycanextenduptoage23ifinfull-timeeducation(subjecttocurrentpolicy rules).
Thismattersbecause:
Manydependentchildrennowremainfinanciallyreliantintouniversityyears. Studentaccidentsorhospitalisationcanstillcreateparentalfinancialstrain.
Itbridgesthegapbetweenchildridercover(whichoftenendsearlier)and independentadultprotection
Foryou,thissupportslonger-termfamilyplanningconversations.
4.Did You Know… It Can Help Address the “No Emergency Fund” Problem?
Fromafinancialplanningperspective,children’saccidentcoverisoftenlessabout incomereplacementandmoreaboutliquidity
Typicalreal-worldcostsfollowingachildinjurymayinclude: Timeoffworkforparents
Travelandhospitalparking
Childcareforsiblings
Lostovertimeorcommission
MultiProtectbenefitsarepaidaslumpsums,providingflexibleuse,something clientsimmediatelyunderstand.
Thisisparticularlyrelevantinhouseholdswherebothparentsareworkingand neitherhassubstantialcontingencysavings.
5.Did You Know… It Can Improve Engagement in Protection Conversations?
Fromabehaviouralperspective,parentsareoftenmoremotivatedtoinsurerisks relatingtotheirchildrenthanthemselves.
Usingchildren’scoverasanentrypointcan: Increaseoverallprotectiontake-up.
Leadtowiderconversationsaboutincomeprotection. Reduceobjectionscentredaround“nothingeverhappenstome.”
Inpractice,positioningthepolicyasfamilyaccidentprotectionratherthanan individualproductoftenresonatesmoreeffectively.
INDUSTRY NEWS Monetary Policy & Interest Rate Outlook BankofEnglandGovernorAndrewBaileyconfirmedthatapotentialMarchbase ratecutisstill“genuinelyopen”butnotguaranteed,asunderlyingservices inflationremainselevatedeventhoughheadlineCPIhasfallentoaround3.0%. Thissuggestsmarketsarecautiouslyoptimisticbutawaitingmoredatabefore pricingineasing.
Mortgage Market Activity & Pricing Economicindicatorscontinuetosupportimprovingaffordability:property websitedatashowsthat40%ofUKhomesforsalearenowcheapertobuythan rent,largelyduetolowermortgageratesandeasedstress-testingcriteriafor lenders.Averagetwo-andfive-yearfixeddealshavebeenreportedbelow4%for thefirsttimeinyears,underpinnedbyheightenedcompetitionandsoftened financingcosts.
Zoopla’slatesthousepriceindexreleasedthisweekalsohighlightsthatFebruary isontracktoseethehighestnumberofnewhomelistingsinadecade,offering greaterchoiceforbuyersandpotentiallycappingupwardpressureonprices.
HSBCUK’sresultsannouncedintheweekunderlinedcontinuedgrowthin mortgagelending,withnetadvancesrisingandLTVsremainingmoderate.
