JUST MORTGAGES NEWS
Just an update
Monday 13th April. This week's headlines:
EMPLOYEE ASSISTANCE PROGRAMME
Withthecurrentchallengesintheeconomicworld,manychallengescanarisein allaspectsoflife.Ouremployeeassistanceprogrammeisafantasticservice thatprovidesyouwithsupportnotonlyinprofessionallife,butalsowith personalchallenges.Heathassuredprovidessupportandguidanceforyouand yourimmediatefamily.Ifyouneedsomehelp,ourconfidentialassistance programmeisonhandwheneveryoumayneedit.
Q2 2026 MORTGAGE FRAUD AND MASTERCLASS WEBINAR SERIES –
DON’T MISS OUT!
There’s still time to register for HSBC’s Q2 Fraud webinars!
TheseCPDaccreditedsessionswillgiveyoupracticalinsightsintothelatest fraudtrends,helpyourecognisesuspiciousmortgageapplications,interpret CIFASalerts,andspotkeyredflags.Thesesessionswillalsocoveremerging risks,sharestrategiestoprotectyourcustomersandguideyouonkeeping yourbusinesssecureandcompliant.
Inaddition,HSBC’sbite-sizedMasterclasseswhicharealsoCPDaccredited aremakingareturn,coveringfourkeytopics:Falsedocumentfraud,Scheme abuse–Domesticandinternationalapplicationfraud,HSBCUKmortgage fraud–CommontrendsandSelf-employedapplicationfraud. It’sagreatchancetosharpenyourfraudpreventionskillsandboostyour confidenceintacklingfinancialcrime.
Don’t miss out!
Howtoregister
Toregisterforoneofthewebinars,pleaseclickonthelinkbelowtoseeall availablesessions: https://intermediaries.hsbc.co.uk/fraud-webinars/
Pleasenote,youmustregisterandattendthewebinarindividuallytoreceive yourCPDcertificate.
The2026MortgageFraudpreventionwebinarwilllastapproximately45 minutes,andtheMasterclassesnolongerthan30minutes.
PROTECTION & GI NEWS
AsyouknowLV=IncomeProtectionisbuiltforreallife….the award-winningplangivesyourclientsfinancialconfidencewhen illnessorinjurystopsthemfromworking,itincludesbenefitswhich provideextrasupport.
SteveWrightishostingawebinaron22 Aprilat11:00to exploreincomesolutionsforfamilies,helpingyoutotailor adviceandgrowbusinesses.You’lllearnaboutLV=Income Protectionandthebenefitsandfeaturesincluded,aswellasLV= FamilyIncomeBenefit,tohelppositionthesesolutionsto families.Stevewillexplainhowtheygoaboveandbeyondwith emotionalandpracticalsupportincludingLV=DoctorsServices, andhowitbenefitsbothclientsandtheirfamiliesenablingyou tostrengthenyourrecommendations…
Register Below: https://events.teams.microsoft.com/event/6483f693-ca394d42-a76d-34c4c50417e8@22f4f236-661f-44f2-9c85d472ecfe6ce0
Formanymortgageadvisers,protectionisthepartofthe conversationthatfeelsthehardest,notbecauseitisn’timportant, butbecauseitcanfeelawkward,rushed,orleftuntiltoolateinthe process.
Yetthemortgagejourneyisoneofthemostnaturalmomentsto talkaboutprotection,whenclientsaremakinglongterm commitmentsandthinkingseriouslyabouttheirfinancialsecurity.
I’mdelightedtoannouncethatMetLifeareinvitingJustMortgages adviserstojoinourupcomingwebinaronWednesday22 April. nd
The road to writing more protection
Thispracticalsessionisdesignedtohelpmortgageadvisersfeel moreconfidentintroducingprotection,earlierandmorenaturally, aspartofeverydaymortgageadvice,withoutitfeelinglikean add‑onora“hardsell”.
Duringthesession,we’llexplore:
Whyprotectionfitsnaturallyintothemortgagejourney,andhowsmall changesinapproachcanmakeabigdifference
Howtoframeprotectionconversationswithconfidence,evenifyoudon’t seeyourselfasa“protectionspecialist”
Practicalpromptsandtechniquestocreategenuineclientneedand engagement
Thebusinesscaseforwritingmoreprotection,includingimprovedclient outcomes,retentionandlong‑termvalue
Howtoovercomecommonbarrierssuchastimepressure,discomfort,or fearofobjections
Bytheendofthesession,you’llleavewithclear,actionablestepsyoucan applystraightawaytohelpyouprotectmoreclients,andgrowyour protectionbusinessinawaythatfeelsrightforyouandyouradviceprocess.
Register now to secure your place: Wednesday 22 April nd
Business protection
Ourbusinessprotectionofferingcontinuestogrowandwearesetforour busiestyear!
Businessprotectionprovidesfinancialsecurityandcontinuitywhen unexpectedeventsaffectkeypeopleorowners.Ithelpsbusinessessurvive thedeath,criticalillness,orincapacityofadirector,shareholder,oressential employeebyprovidingfundstocoverlostprofits,repaydebts,recruit replacements,orfacilitateownershiptransfers.
Ifyoudealwithalotofbusinessownersorself-employedclients,business protectionisabsolutelyworthaconversation.Youcaneitherreferbusiness protectionqueriestooneofourlicensedbrokersviatheJustReferportal;or youcanenquiretobecomelicensedyourself.Tofindoutmore,emailBen Peart!
Ben.peart@justmortgages.co.uk
ABankofEnglandsurveyreportedthatlendersexpect mortgagedemandtoincreaseduringQ22026,followinga relativelyflatstarttotheyear,suggestingrenewedbuyer activityasborrowersadjusttocurrentratelevels.
Broaderfinancialsectordataindicatedastrongreboundin UKfinancialservices,supportedbyresilienthousehold financesandimprovedcreditavailability—factorslikelyto underpinmortgagelendinggrowthincomingmonths. Marketsentimentremainscautious.Risinggeopolitical tensionsandenergypricevolatilitycontinuetoinfluence inflationexpectationsandinterest-rateoutlooks,creating uncertaintyoverfuturemortgagepricingandaffordability.
Housingmarketcommentaryhighlightedsteadybutmodest pricegrowth,reflectingconstrainedaffordabilitydespite stabledemand.
Overall,thepastweekhassignalledagradualrecoveryphase fortheUKmortgagemarket:demandexpectations improving,refinancingactivityremainingimportant,but interest-rateriskandglobaleconomicpressurescontinuing toshapelenderstrategyandborrowerbehaviour.