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Yesterday, 9.31 pm That is why we only let clients complete limited factfind components themselves i.e name/address/contact details/address history, basic property details etc Employment details/history without detailed income analysis Generally won't let them in a million miles of 'needs', liabilities, ...
Yesterday, 8.18 pm May be a silly question to ask but have you checked the limited company's accounts? Given that it does not have a bank account how were accounts prepared?  As Dave Rollo stated bills received by XYZ Ltd but paid by LLP. So the payment can be treated as loan from director? Whether it's...
Yesterday, 8.05 pm Typical client who have done their search on google and one not being pressured by estate agent to see their inhouse adviser.
Yesterday, 7.59 pm Customers fill out factfind - tick they want a fixed rate.  Follow up phone call - I ask how long, unsure so want all the options. I also ask about overall term of the mortgage, they say they want it paid off asap.    Send over figures: 2,3 and 5 year fix over 20 years as a starti...
Yesterday, 5.06 pm Hi all, I have a client in the Armed Forces whereby his height is 175cm and his weight is 18 stone.  Would anybody offer terms on Life/CIC or would it be Life only with a large Rating?  Thank you.  
Yesterday, 3.38 pm I use OMS, happy to answer any specific questions you have.  
Yesterday, 2.44 pm Was meant to have a demo with them on Thursday. No show from presenter and no reply to my phone calls and messages. I think that makes my mind up!
Yesterday, 2.11 pm Red flags granted, but a bit like your client, nothing dodgy, so far as I can see.
Yesterday, 2.07 pm Probably fair to say... Estate Agents can be very good at taking nice pictures from the 'right' angles....   And therefore you sometimes do need to see the property to get a proper view of it's location. (We loved a house in Didcot...... and you don't see the Electricity Pylo...
Yesterday, 2.04 pm I think it is fair to say, there are afew valid red flags.   (Saying that, I have a firm where a previous lender tried to place the clients firms into liquidation, to enforce a debt repayment and most Banks/Building Socities said no to a new current account... and that has caused various prob...

Latest from the Provider/Adviser forums

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Yesterday, 3.53 pm Swansea Building Society has donated £10,000 to Prostate Cymru following a series of fundraising efforts by staff, with the money set to support the charity’s Walk of Wales initiative and help fund Specialist Cancer Nurses across Wales. The Society’s staff have taken on a range of ...
Yesterday, 2.21 pm Recently I received a referral from an adviser, in East London, introducing a client who had around $300,000 sitting in an overseas bank account.The money had been there for several years following the sale of some investments.🟠 Earning minimal interest in the dollar account. 💹 The intention? Bri...
Yesterday, 1.22 pm Brickflow’s whole-of-market funding search technology embedded inside LandTech’s LandInsight gives borrower access to 150 specialist lenders, refinancing a 72-home scheme with one month left on its facility. A developer, working alongside their Broker, has successfully completed the tim...
Yesterday, 1.18 pm Redwood Bank has launched a residential buy-to-let bridging proposition, comprising of two new products, expanding its lending offering to meet growing demand for short-term property finance. The new bridging products focus on two key areas: standard bridging for residential landlord property purcha...
Yesterday, 12.19 pm Newcastle for Intermediaries has announced rate reductions of up to 0.25% across selected products within its residential mortgage range, alongside the launch of a new range of Base Rate Tracker products. The latest reductions apply across selected purchase, remortgage and product transfer options,...
Yesterday, 11.24 am Jon Hall, Group Chief Commercial Officer, OSB Group: "House purchase lending was broadly flat on the year, running a little under 1% below the same period last year. Against most comparators that would be unremarkable, but Q2 last year was the post stamp duty dip, when purchase activity fell by aro...
Yesterday, 11.14 am Roma Finance has completed a £1.1m commercial bridge in just seven days for Hatters Square Limited, demonstrating the speed and flexibility of its expanding commercial lending capabilities. The £1.1m facility was provided at 55% loan-to-value (LTV) against the property's £2m marke...
Yesterday, 10.31 am FRP Real Estate Advisory has structured a £1.1m refinance across four lenders and seven separate leases for an experienced property refurbishment contractor, releasing equity from a completed office-to-residential conversion in Reading. The facility will help fund the client's next project, an...
Yesterday, 10.29 am The Right Mortgage (TRM) has today (1st September 2026) announced details of member roadshows taking place throughout September for firms who are part of TRM’s Mortgage & Protection Network and The Right DA Club. The five roadshows, each with the theme ‘The Power of Advice’, w...
Yesterday, 10.15 am Richard Pike, sales and marketing director at Phoebus Software: “After June's improvement there was hope activity was beginning to stabilise, so a reversal in July is disappointing. But it’s important not to view one month in isolation. Mortgage demand remains sensitive to affordability...

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