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Latest from the Adviser forums

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Yesterday, 6.34 pm This is not as isolated as it may appear. With three wife all divorced but not according to sharia law all claiming housing benefits .....  
Yesterday, 6.27 pm Does mother currently own a property? Is the mother a divorcee or a widow? Future complication in the event of daughter dying first or divorce? Why can you not a joint ownership with mother or even in three names.  I assume the mother owns a property and SDLT surcharge may apply? Can the moth...
Yesterday, 6.26 pm Nationwide also permit the giftor to secure a second charge in their favour for the amount concerned, so alongside Nationwide this is two large lenders who allow this. There shouldn't be any issues with the mother also living with them at the property, now or in the future. They'll maybe ne...
Yesterday, 2.12 pm You might need to agree what is most important for the Client and the Giftor.... ... if the mother lives in the house at some point, gift will be a gift with reservation and so has IHT/LTC implications. I don't think a Loan will legally work (as Mother may live with them - so a 'loan with ...
Yesterday, 2.08 pm I believe Halifax also allow this
Yesterday, 1.45 pm Who might look at this? Married couple have been offered £450K from the Wifes mother as a Gift. Wife is an only child. The mother intends to live with them in future so wants to make sure they buy a house that is big enough/has annex etc.  I note that Natwest allow a Gift towards purcha...
Saturday, 1.39 pm So suspended sentance and got to enjoy the rent from it for 13 years.... yep crime very much one more pays well.   When will Fraud be taken serously?    
Friday, 5.57 pm I'm def spending at least twice as much time on paperwork, linking docs etc. Suitability report not as good as the Toolbox one. I do like the facility to pull credit reports though, its a nice touch. Hoping things will speed up the more i get used to it. 
Friday, 5.52 pm Ahhh the communites
Friday, 5.48 pm https://www.mylondon.news/news/zone-1-news/fraudster-who-illegally-sublet-pimlico-34528956?utm_term=Autofeed&utm_medium=Social&utm_source=Facebook&fbclid=IwY2xjawT-mPtwZG9mBWV4dG4DYWVtAjEwAHNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR6ox9q_t5M3io-LNM0fSdziGMtWeaPxMb8c7Y6G8D_s6TdQPiZr-BnEFt0f...

Latest from the Provider/Adviser forums

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Friday, 1.25 pm We have been made aware of an error on the previous rate change summary that was shared earlier today. While many of our rates are decreasing, a small number of residential tracker rates for remortgage and international customers are increasing. Please click here to view the corrected summary of up...
Friday, 1.22 pm Richard Sexton, commercial director at HouzeCheck, commenting on HMRC’s latest Property Transactions data, said: “The latest figures are a reminder that the housing market is still moving cautiously. But relatively modest changes in transaction volumes should not be mistaken for lower e...
Friday, 10.35 am With effect from Tuesday 1st September, we’ll be making a number of decreases across our residential mortgage rates. Please note, if an application is no longer proceeding, you can use the ‘Cancel’ button on your broker dashboard to cancel the case. Click here to view the upcomin...
Friday, 9.55 am Colin Bradshaw, CEO at TwentyCi has provided the below comment: The fall in seasonally-adjusted property transactions in July highlights the more cautious environment facing the housing market. However, despite the latest HMRC figures, TwentyCi remains positive about the underlying market and has r...
Friday, 9.54 am Melanie Spencer, growth director at Target Group, said: “While up on a non-seasonally adjusted basis, today’s dip shows just how sensitive the market remains to pressure, particularly with plenty of external noise and disruption in the wider economy. While there will be those undeterred...
Friday, 9.52 am Richard Pike, sales and marketing director at Phoebus Software: “A fall in transaction numbers underlines just how cautious the housing market has remained through the spring and early summer. “But these figures need to be treated in context. Transactions are a lagging indicator, large...
Friday, 9.50 am Maria Harris, chair of the Open Property Data Association: “A fall in July’s property transactions is another reminder the housing market remains vulnerable to uncertainty, but it should also reinforce the need to address the structural problems that make moving home unnecessarily diffi...
Friday, 7.00 am Access Financial Services (Access FS) has set out a five-year growth strategy focused on expanding its adviser community, developing new talent, creating more business opportunities for advisers and investing further in technology and data. Founder and chief executive Karl Wilkinson outlined the st...
Thursday, 3.42 pm When Chris Arnold from Penguin Wealth approached Buckinghamshire Building Society with a complex residential case, the Society's relationship-led approach and experienced underwriting team helped turn a challenging application into a successful outcome. The case involved a couple in their 50s and 6...
Thursday, 11.37 am Buckinghamshire Building Society has launched a new residential affordability calculator for mortgage brokers, designed to provide a more accurate indication of lending potential while reflecting the Society's specialist approach to underwriting. Developed in partnership with web development agency...

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