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Today, 5.05 pm It doesn't say if they are standard constuction or not... ...IIRC BlackHorse does (or did) lend on Mobile homes/lodges - but not as a Mortgage - it was as a secured loan on the asset (and much shorter term than a mortgage). Your right - the fees do look high - Ground Rent is 1%.. and Service C...
Today, 4.51 pm Just taken a call from someone who said they was from Smartest Energy  - they certainly had some information from my Contract With them... ..... but this is the second call I have taken, where they are verbally giving me new rates  and want me to say 'yes' to agree to the new cont...
Today, 4.09 pm Hi all, an existing residential client is looking at some holiday let properties and has sent me details of some on RightMove here - https://www.rightmove.co.uk/property-for-sale/find.html?searchLocation=GL7+5TL&useLocationIdentifier=true&locationIdentifier=POSTCODE%5E347476&buy=For+sale&include...
Today, 3.53 pm Nice one 
Today, 3.51 pm tell it you're a mortgage & protection broker in the UK.  Then basically give it a bit of background about what you've recommended, ask it to generate a paragraph for a SL, or even a whole SL. Or speak some file notes into Otter AI, then copy/paste them into Chat GPT and tell them ...
Today, 3.48 pm Cheers, can you explain how you use Chat GPT in suitability letters please ?
Today, 3.33 pm Also interested in this. Otter AI for verbal notetaking and chatGPT for summarising stuff for emails/file notes/SLs etc But i know there will be loads more
Today, 3.22 pm We also use Simplified.ID have done for years. Absolutely love them great price, constant innovation and I can actually talk to someone who knows what they are talking about when it comes to AML which sadly most of these companies just don't. They launched passport chip verification last year and d...
Today, 3.16 pm Hi all, I have a client who bought his house for cash, it is classed as Unity 2 concrete construction and there is no certification for it. Is this a no no or will lenders consider it ?  The house was built in the 1950's if that makes a difference. Cheers
Today, 2.51 pm Hi all, I know there was previously a thread about AI, now we are a bit further on in it's development, is anyone putting it to good use for administrative tasks ?  We are looking to save time on our admin so would be interested to know what works for you ? Thanks very much 

Latest from the Provider/Adviser forums

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Today, 5.42 pm We wanted to let you know that we’re making the following changes on Tuesday 30 June. Purchase 2 year fixed rates will be reduced by up to 0.15% 5 year fixed rates will be reduced by up to 0.10% 10 year fixed rates will be reduced by up to 0.20% Shared Ownership fixed rates will be red...
Today, 2.35 pm Quick and fast Adverse Credit Lender Finder, is the latest tool created for brokers by the Axessmax team. Completely FREE tool specifically designed to help brokers instantly identify lenders for clients with severe adverse credit.    This isn't a tool for a minor missed phone bi...
Today, 11.46 am A bit sneaky isn't it? Halifax used to regularly do something similar. On the plus side at least it doesn't leave you in a moral quandry - nothing worse than getting the reduction email and having an hour to apply for the new rate and first needing to cancel the rate that is already approve...
Today, 11.35 am Ageas UK has joined the Source Insurance panel, expanding access to its home insurance products for advisers supporting homebuyers. The move reflects Ageas’s continued investment in adviser distribution, alongside a strategic focus on embedded insurance propositions to develop seamless, integ...
Today, 11.08 am With effect from Tuesday 30th June, we’ll be extending the end dates on our fixed rate residential and BTL mortgage products, as follows: 2 Year Fixed – 31st July 2028 changed to 31st October 2028 3 Year Fixed – 31st July 2029 changed to 31st October 2029 5 Year Fixed – ...
Today, 10.47 am Emily Hollands, Group Head of Intermediary Sales and Distribution at Precise, commented: "A fall in mortgage approvals this month should be viewed in the context of a market that continues to navigate a complex economic backdrop, rather than as a signal that housing demand has weakened materially. ...
Today, 10.44 am Omni Protect, Fintel’s whole of market protection club, has announced the appointment of Richard Waters to the newly created position of Head of Strategic Partnerships for Protection and Health. Richard, previously Head of Protection Distribution at HSBC Life, will focus upon driving new initi...
Today, 9.41 am Richard Pike, sales and marketing director at Phoebus Software, said: “The mortgage market showed signs of stabilising in May after the volatility of the previous two months. “Borrowing eased back slightly from April’s levels as rates remained relatively steady and lenders maintain...
Today, 9.37 am Vernon Building Society has reduced the pricing across its entire self-build mortgage range by 0.15%, making its specialist lending offer more competitive for customers planning to build their own home, renovate, convert or undertake a major rebuild. The change applies across the Vernon’s sel...
Today, 9.29 am Currency News: Your Smart Update View in browser ...

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