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Today, 1.01 pm 100% we make it VERY clear they have to be open and honest and remind them that even if they're accepted off app the insurer can spot check them and if the medical or medical records don't match what they've told us then the policy won't do what they want it to and they're basica...
Today, 12.39 pm If a PT was available, did you make the client aware of this and explain the pros and cons of a PT over the remo? I don't think anybody is liable as such, the management company probably has no obligation  to respond quickly, the solicitor can't complete without it. The client will hav...
Today, 12.26 pm In reality though, how many vapers really use nicotine free vapes? Getting the correct info out of clients I feel is the hardest part of our job.   
Today, 10.43 am A further point: which band would apply to 60%, 75% and 80% exactly?
Today, 10.30 am update: I have tried to contact Vouchedfor this week by several methods and yet to get hold of anyone. I cancelled the Direct debit and received an email from Defaqto at 22.20 last night asking me if I want to cancel our membership. To note, the email did not have a contact phone number and is from...
Today, 10.00 am Most insurers now have a few categories when it comes to pricing, with a lot still charging an extra premium if you quit within the last 5 years. You'd be amazed at how many people we compare against who've been incorrectly put down as never smoked when they quit 2-3 years ago, not knowing t...
Yesterday, 5.31 pm Cancelled VF about a year ago, no value in the proposition. Was there from the beginning, was in every Sunday Times/Telegraph list of top brokers, never got me a single new client, just existing clients pleased to see I was there. The cost of the leads are an outrage. 
Yesterday, 5.04 pm By the end of the week it looks like we will have done more than the last 2 months combined.  No real new enquiries, just people we have been speaking to all finding properties at the same time. 
Yesterday, 3.18 pm Wondering what this means? To simplify our product range we’ve amended the loan to value (LTV) tiers, moving from previous 0-60, 0-75, 0-80 to a consistent structure 0–60, 60–75, 75–80 etc. Only the minimum LTV for each tier has changed. Are they effectively saying that som...
Yesterday, 2.58 pm Nick - as others have said,they can share with you both an Right to Work 'Code' and an Imimigration Services 'Code'. Both will show what they can do - and when they expire. Natwest did a case this time last year when one of the Applicants was an asylum seeker (who was working) ...

Latest from the Provider/Adviser forums

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Today, 10.39 am Access Financial Services (Access FS) is partnering with two charities, Just Finance Foundation and KidsAid, as part of a wider push to strengthen its social impact and financial wellbeing agenda. The mortgage and protection brokerage said the collaborations would focus on tackling financial vulner...
Today, 10.06 am Richard Pike, Sales and Marketing Director at Phoebus Software, has called for urgent reform of planning laws: “Housebuilding remains firmly in contraction territory, following a fall in output for the seventeenth consecutive month, and the sector faces the fastest pace of input price inflati...
Today, 9.33 am Pallas Capital has finalised an expedited £8.4 million bridge for a premier commercial office and integrated car park asset in Aberdeen, Scotland. The 60,000 sq ft Grade A office building is a refined modern structure, refurbished from an historic granite warehouse. The 12-month loan was agree...
Today, 9.30 am Specialist property lender Roma Finance has agreed a new forward flow with J.P. Morgan, marking a major milestone in the lender’s growth strategy and significantly expanding its long-term lending capabilities. This transaction will enable Roma to launch a range of long-term buy-to-let and com...
Today, 9.27 am Rate reductions across two-year and five-year fixed buy-to-let mortgages A range of fee options, including nil, 3%, 4%, 5% and £3,995 Available for purchase and remortgage up to 75% loan-to-value Paragon Bank has cut rates by 20bps across its buy-to-let mortgage range, alongside a refre...
Today, 9.00 am Short term luxury asset lender, Suros Capital was able to assist a HNW client to borrow against a portfolio of Andy Warhol artwork, including the famous Campbell’s Soup picture and the iconic Marilyn Monroe piece, and a diamond jewellery collection. The retired businessman is an avid art coll...
Today, 8.48 am With UK high streets facing continued challenges as a result of changing consumer shopping and lifestyle habits, potential still abounds for savvy purchasers of secondary retail units prepared to do their homework. This is the view of an experienced private investor who recently strengthened their ...
Today, 8.30 am Two members of the team at Basingstoke-based SME finance provider Asset Advantage are saddling up for an epic charity cycling challenge from London to Amsterdam. Emma Edwards and Hannah Berry from Asset Advantage’s documentation and payouts team will be taking part in the AFPA Trust BIG Cycle...
Today, 8.25 am Buy-to-let lender, Landbay, has today (4th June 2026) announced a series of rate cuts across its Premier range, including a 40 basis point (bps) reduction on its 75% LTV two-year, fixed-rate products, as well as cuts across its Small HMO, remortgage (free valuation) and five-year fixed-rate options....
Today, 8.20 am Leading lifetime mortgage lender Pure Retirement has underlined its commitment to leveraging technology to improve the adviser journey through the launch of its new AI-driver criteria chatbot, Lenny. Under the new offering, advisers can get criteria questions answered 24/7, enabling greater conveni...

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