Search the forums and feedback
Make cherry your home page
You are here: cherry

Latest from the Adviser forums

Create a new topic
Today, 11.50 am Guardian are good with mental health, but if its recent expect an exclusion on the IP.
Today, 11.31 am who is the best for life cover and IP--both clients recently been of work due to stress   thanks
Today, 11.06 am Newcastle BS, Furness BS and Clydesdale all used to be okay with net profits before tax. Form experience, their max loans are not that different from lenders who can use net profits after tax.       If you can access Cumberland BS they can use latest years net profits and go up...
Today, 10.47 am Same, I've used them 6 times in 13 years, and each of those 6 times I've had an issue!
Today, 10.10 am Thanks everybody. It was always going to be disclosed, however I didn't want to risk the app fee if it was likely to cause a problem.  One concern I do have is that my current network are not aware of this as they only asked for any credit or insolvency over 10 years. The FCA forms ask if ...
Today, 9.59 am Agree - full upfront disclosure to the FCA on application, explain the backdrop to it (briefly) and you are A1 since
Today, 9.06 am Lenders for OpCo/PropCo assess affordability on EBITDA
Today, 8.54 am Tell them and they wont bat an eye lid. Plenty of brokers are absolute wrong'uns, both financially and otherwise
Today, 8.36 am I agree with TH84 - 20 years plus and clean for 15 years, I doubt the FCA will bat an eyelid. 100% Agree on disclosing it - if you don't AND they find out about it.... that could create two complex issues (when there was none).
Yesterday, 7.14 pm You have to disclose it regardless I think.  But I think you will be alright. I had a criminal record, I mentioned it on the application - told them what from, what for and what happened (literally 4-5 sentences I think) and they never asked anything more about it. 

Latest from the Provider/Adviser forums

Create a new topic
Today, 11.10 am Incentive would save borrowers £1,495, helping buyers to maximise affordability Afin Bank is removing the product fee on its 95% LTV five-year fixed rate mortgages for successful applications in May, saving borrowers £1,495. The specialist lender says that while the incentive is availa...
Today, 11.09 am Simon Webb, managing director of capital markets and finance at LiveMore, commented: “While equity release lending has slowed, we welcome the FCA’s upcoming Later Life Mortgages Market Study and its desire to open up the later life lending market and improve access for borrowers. At Liv...
Today, 10.08 am Source Insurance has cut the time it takes to complete a home insurance quote by half, delivering a significantly faster and more streamlined experience for advisers. The platform update, driven directly by adviser feedback, enables users to reach the insurer panel in as little as 35 seconds, remov...
Today, 9.59 am Simon Hayton, Pure Retirement Managing Director “While it’s naturally disappointing to see reductions in case and lending volumes on both a quarterly and annual basis, it would be naïve to expect anything else given wider geopolitical movements and the subsequent effects on wider f...
Today, 9.57 am Mark Gregory, Founder & CEO at Equity Release Group The latest figures from the Equity Release Council highlights pressures in the market, with a decline in both lending and customer numbers, however demand is not disappearing, but rather reflects a more cautious and considered customer. What w...
Today, 9.55 am Mansfield Building Society has increased the maximum loan to value on its Credit Repair Range from 70% to 75% LTV. The Society’s Credit Repair products are aimed at borrowers with adverse credit characteristics, including: Defaults from 3 months (max £2,500 for credit defaults) Acti...
Today, 9.54 am Richard Pike, Sales and Marketing Director at Phoebus Software: “The fall in equity release lending in Q1 reflects a pause rather than a pullback, as later life borrowers delay major financial decisions in response to continued UK and global economic uncertainty. Enquiry and application level...
Today, 9.51 am One Mortgage System (OMS) has appointed Esther Morley as a Non-Executive Director (NED). Esther brings to OMS over 30 years’ experience in Financial Services across the UK & Ireland within the Banking, Building Society and Specialist Lending sectors. Starting her career at HSBC & HFC (...
Today, 9.50 am Darlington Building Society has completed a UK residential mortgage for an expat couple based in Saudi Arabia, secured at 51% loan-to-value on a specialist rate of 4.69%. The applicants, both UK citizens with dependants, are currently living and working overseas. The first applicant is a high-earni...
Today, 9.48 am GB Bank has completed a £1.5 million refinance for an experienced borrower with a strong portfolio of Houses in Multiple Occupation (HMOs), supporting their continued expansion strategy. The facility refinanced an existing bridging loan onto a traditional buy-to-let term structure, while also ...

View all newsletters Subscribe Latest newsletters

01/05/2026 Protection policy valid? | Mtg Metrics | Ex pat BTL | Looking for DA firm | Lloyds
30/04/2026 Awful day! | Avoidance or evasion? | Life, IP & GI | Rate tracking | Barclays 3.96%
29/04/2026 Complaint: Who's at fault? | Life/IP possible? | ER leads | Conveyancing quotes
28/04/2026 Client debating fee | L&C EAs | Lending on solar panels? | FCA Return | April
27/04/2026 Taking business away? | Fraud/ML | HSBC commercial lending | LTA loading
24/04/2026 Swap rate tracking? | Health Hub | Motorbike loading | Small networks? | HSBC
23/04/2026 ID & AML Verification | FTB + LL £900k? | Medical Qs | HMRC | Admin available
22/04/2026 Register for MBE | Nominate in The Broker Awards
21/04/2026 Leads | Life apps | Overpaid FCA fees! | AI tells lies? | Going DA | New build schemes?
20/04/2026 ProtectionGuruPro v CIExpert | AI for RegData? | April | Embarrassing UW questions!

View all press releases Latest press releases

05/05/2026 Afin Bank offers free product fees on its 95% LTV five-year fixed rate mortgages
05/05/2026 LiveMore comments on ERC quarterly data
05/05/2026 Source Halves Home Insurance Quote Time Following Adviser Feedback
05/05/2026 In response to the Equity Release Council's latest figures from Pure Retirement
05/05/2026 ERC Q1 Report reflects a more cautious and considered customer
05/05/2026 Mansfield extends Credit Repair Range to 75%LTV
05/05/2026 Equity release Lending down in Q1 - Phoebus Software reaction
05/05/2026 OMS appoint Esther Morley as Non-Executive Director
05/05/2026 Darlington Building Society completes UK mortgage for expat couple in Saudi Arabia despite historic adverse
05/05/2026 GB Bank completes £1.5m HMO refinance to support portfolio growth

...

Copyright © cherry™ 2004 – 2026. All rights reserved.

Advertise with cherry - Contact Us - Privacy Policy / Terms and Conditions

cherry™ / cherryFind™ are trading names of cherry™ Registered Office: The Stables, Little Coldharbour Farm, Tong Lane, Lamberhurst, Tunbridge Wells, Kent TN3 8AD Registered in England and Wales. Company Registration Number: 05624666 VAT Number: 874593966

Please note that cherry™ never recommends the products or services of other companies