360 Dotnet has developed 360 Lifecycle as the ultimate practice management system for financial services businesses, providing benefits to 1 in 5 mortgage brokers.

360 Lifecycle can deliver a significant reduction on the costs of running a business, by saving valuable hours of the working day and ultimately delivering increased revenue. 360 Lifecycle offers a client facing Factfind as well as a secure Client Portal which helps to save time and improve client relationships.

As one of the UK’s leading retirement specialists, Age Partnership specialise in equity release and financial advice for the over-55 market.  As an award winning independent provider, we can help your clients ensure that their retirement years are as enjoyable as possible through our partnership referral service.

Al Rayan Bank is the UK’s oldest and largest Sharia compliant retail bank. We’ve been pioneering British Islamic banking since 2004.

By solely focusing on banking activities which are in keeping with the values of Islam, Al Rayan Bank is able to make a significant and lasting difference to customers throughout the UK, helping them to save for their families’ futures, expand their businesses or buy their own homes, without compromising their beliefs.

With a strategically located branch and office network throughout the UK, a highly trained contact centre, secure online banking services and 24 hour automated telephone banking, Al Rayan Bank provides Sharia compliant savings, finance and current account services to over 85,000 personal, business and premier customers.

Al Rayan Bank is the only Islamic bank in the UK to receive a public rating. The Bank has an Aa2 rating from Moody’s Investors Service (Moody’s), one of the leading global ratings agencies.

At Aldermore, we know that as an intermediary you’ll have clients’ who need a more specialist approach, that’s where we come in.

We use a team of experienced manual underwriters who start with a can do attitude, assessing your client’s application and individual circumstances.  It’s just one of the ways we do things differently.

We are a small Society who lend throughout England and Wales and are well known for our niche products, which include, Rent-a-Room, Joint Borrower – Sole Proprietor, Holiday Let & Shared Ownership mortgages.  We have an experienced team who provide a personal service and are happy to discuss complicated cases.

Beverley Building Society is one of the oldest independent societies. The Beverley recognises that each mortgage application is different and should be looked at on individual merit and affordability. Whether it is for employed, self-employed or on pension income, the Society prides itself on assessing applications through sensible underwriting and a flexible approach to secure lending. It currently specialises in later life lending, including Retirement Interest Only, self-build mortgages and the ability to look at self-employed or complicated income streams sensibly.

Our award-winning retirement solutions have been designed to suit a wide range of needs, and offer industry-leading value, financial strength and exceptional service.

Our Home Finance product range can be secured on main residences, second homes or Buy-to-Let properties. Our mortgages offer flexibility and certainty and can be tailored to suit your individual needs.

The Equity Release Council is the representative trade body for the equity release sector with over 300 member firms and 1,000 individuals registered, including providers, regulated financial advisers, solicitors, surveyors and other professionals.

It leads a consumer-focused UK based equity release market by setting authoritative standards and safeguards for the trusted provision of advice and products. Since 1991, over 480,000 homeowners have accessed over £28bn of housing wealth via Council members to support their finances.

The Council also works with government, voluntary and public sectors, and regulatory, consumer and professional bodies to inform and influence debate about the use of housing wealth in later life and retirement planning.

FIBA is a modern organisation dedicated to supporting professional financial intermediaries in growing their business and delivering excellent products and services to their clients. We do this by providing training, guidance and assistance, as well as ensuring Members have access to a comprehensive network of lenders, detailed product knowledge, industry expert advice and dedicated compliance resources.

Foundation Home Loans offer Residential and Buy to Let products and are becoming known for our portfolio buy to let proposition. We have a competitive range of products as a result of listening to and learning from the market. We take a flexible approach to criteria and a pragmatic view of assessment.

Gatehouse Bank plc is a Shariah-compliant challenger bank based in London and is part of the Gatehouse Financial Group of companies. It is authorised by the Prudential Regulation Authority (PRA) and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Founded in 2008, the Bank operates in accordance with Shariah principles and offers savings products and finance for UK commercial and residential real estate, in addition to sourcing and advising on UK real estate investments with a focus on the build to rent sector.

Formed by Danny Robinson, Grey Matters Specialist Lending Limited, a Master Broker in London’s West End, holds over 40 years’ experience in the regulated and non-regulated mortgage arena.  In the ever-changing world of Specialist Lending, GMSL Limited has adapted along the way, allowing us to successfully service the Broker Community.

Hampshire Trust Bank is focused on financing commercial customers based on best principles in relationship banking, delivered by experts in their fields. We also offer competitive savings accounts to individuals and businesses.

 At the Harpenden, our open-minded approach meets lending requirements for complex cases.

We’re 100% mortgage intermediated.

• Our mortgage products are available for purchase, re-mortgage and capital raising
• No upper age limit for applicants looking to borrow in later life
• Products are available with no Early Repayment Charges (ERCs)
• We will consider requests to raise finance against unencumbered property

Join us on stand A1 at the entrance of the show or visit: harpendenbs.co.uk/intermediaries

IFAC are consultants to the financial services industry.

We help IFAs, mortgage brokers, insurance agents, consumer credit brokers and fund managers.

We work as your compliance manager.

We also design, build and install our own risk management software – Bat

Working Together for Better Outcomes.

In Partnership is a fast growing community of over 500 investment, mortgage and protection advisers.

A flexible business model. A proven adviser development programme. Strong compliance support. Financial security. These are just some of the reasons advisers choose In Partnership.

Key Partnerships is the referral service for the UK’s number one equity release specialist, Key.

Through Key Partnerships more and more partners are growing their businesses by being able to offer clients equity release as an option to boost their finances in retirement.

Keystone is an intermediary only specialist buy to let lender offering a range of funding solutions for complex buy to let cases that do not fit the criteria of the mainstream lenders.

With rates starting from 2.99% Keystone will accept:

✔  Trading & SPV Ltd Co’s             ✔  HMOs – up to 8 beds

✔ Portfolio landlords                       ✔ Multi-unit properties – up to 10 flats

✔ First-time landlords                     ✔ High-rise flats

✔ Ex-pats                                            ✔ New build properties

✔ No minimum income required  ✔ Ex-Local Authority properties

Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords operating across various sectors of the market. Our products include fixed and no ERC tracker rates, with some products being specifically designed for HMOs, MUFBs and expats. Find out more: https://landbay.co.uk/

We are an award-winning lender and have an intermediary team with a wealth of  experience in helping brokers with their client mortgage needs.

Our solutions cover; later life lending, first time buyer/non-homeowner BTL’s, interest only, regulated BTL’s and up to 95% on new build properties. Leek United provides a personal service and you’ll speak to the same person about your cases.

LiveMore is a new lender focused on bringing simple and relevant solutions for customers aged 55 and over. Using the latest technology and extensive data, our new range of RIO mortgage products will allow you to help even more of your clients. Visit our stand for a demonstration.

We exist for a very simple reason – to advance banking and finance by providing outstanding education and thinking, tailored to the needs of the business, individuals and society.

We are The London Institute of Banking & Finance, lifelong partners for financial education.

more 2 life are lifetime mortgages specialists, designing flexible products with innovative lending features to meet the changing needs of today’s over 55s. We’re passionate about helping people make the most of their retirement, by transforming the money tied up in their property into a tax-free cash lump sum.

Oakbridge is a principle lender of Regulated and Non Regulated bridging finance.

Bespoke underwriting allows us to tailor loans to your clients individual circumstances.

Please speak directly to our underwriting team on 08452 050505.

At OneFamily we believe in creating products for modern families, from lifetime mortgages, over 50s life cover, lifetime ISAs, junior ISAs, bonds to child trust funds. We are committed to enabling families to work together to meet the financial demands of modern life.  We have over 40 years’ experience of being a trusted provider of financial solutions, won several awards, have over 2.6 million customers and £7.4 billion in funds under management.  We are also customer-owned which means our profits go back into our business, products and communities.

Our Lifetime Mortgages have a 5-star rating from MoneyFacts and we provide products with flexible features and a personal touch. With a range of lump sum lifetime mortgages, including fixed and variable rates, and options to make monthly interest payments or flexible payments. We also offer a personal service with direct access to our sales and underwriting teams who assess each case individually.

For more information please visit onefamilyadviser.com

Paradigm Mortgage Services is now regarded as the UK’s “premier” directly authorised mortgage distribution business. As well as offering a unique profit share scheme, we have a full range of services to support intermediary firms, including a highly commended mortgage placement helpdesk, regular CPD events, compliance services and regulatory guidance.

We’re an award-winning lender with an appetite for interesting cases, offering Residential and Buy to Let mortgages exclusively through intermediaries.

We help with clients often undeserved by the high street. The recently self-employed, those with credit blips, complex income, young credit history, or previous financial difficulties: to us, it’s all interesting.

Principality Building Society have over 150 years’ experience in the financial market, providing an award winning service to our customers and members.

We are committed to providing competitive mortgage and savings products through a multi-channel approach and pride ourselves on retaining business whilst helping new customers prosper in their homes.

We realise that you only have so many hours in the day…

Our highly-qualified advisers specialise in working with mortgage brokers to cover insurance provision, as well as reviewing back books to generate additional commission as we assess clients’ existing policies and arrange new and, most importantly, better cover.

Protect your customers. Generate extra revenue. Reduce your regulatory risk.

As Responsible Equity Release, we are hugely proud of this innovative industry and strive to meet the challenges faced by the UK’s over-55 population. At Responsible we put the customer first by combining modern approaches with traditional values of excellent customer service – borne out by our 5* Trustpilot rating. We are actively looking to grow this sector by forming partnerships and supporting businesses with their eligible clients.

The company was formed with the intention of focusing our attention on the “at retirement market’’, providing lending solutions to our clients. Our aim is to provide professional advice and recommendations to clients, whilst building excellent relationships with lenders and our referral partners.

Saffron for Intermediaries lends throughout England and Wales and prides itself on the ability to give personal attention to every case.  Our service is designed to support applications that may not fit the norm of mainstream lenders. Visit our stand to meet your BDM and find out about our USPs.

Selina Finance is a London-based digital lender offering flexible secured business loans and property investment loans in the UK. Our products are a flexible funding facility which work like a line of credit which borrowers can drawdown or repay at any time, all without any additional fees or charges.

Sesame Bankhall Group operates within the UK Financial Services industry, with its core business in the intermediary market, providing support to over 11,000 advisers across the country. The Group brings together the leading network, support service provider and mortgage club, making it the UK’s largest distributor of retail financial advice.

At Stafford Railway Building Society we manually underwrite all applications.

We offer: –

• Ex Pat Repatriation
• Complex Incomes including retained profit
• Large loans to £2m
• Day 1 Remortgages
• Gifted Deposits from non- family members
• No debt to income ratio’s

Want a business that is more profitable and rewarding?

You’re better off with Stonebridge.

Working together with Directly Authorised brokers, driving your business to do more!

By utilising our 30 years of long standing Group relationships, Stonebridge Genus can offer a panel of product providers that will ensure your client needs are satisfied whilst offering you market leading rates of commission.

Unbiased is a free-to-use technology platform that connects millions of consumers to financial and legal advisers, including independent financial advisers, mortgage brokers, solicitors and accountants.

Vero Cover specialises in customer acquisition, providing high volume, quality leads to businesses. We’re passionate about providing a consistent stream of customers at a fixed lead cost to companies by leveraging our expertise in digital advertising.

Real time, web generated leads, exclusive to each buyer for: Mortgages, Equity Release, Loans, Banking, Life Cover, Real Estate and Funeral Insurance amongst many others.

https://www.verocover.com

Vida Homeloans is the specialist mortgage lender for residential and buy to let customers who may not fit the criteria currently demanded by high street banks, such as the self-employed, customers with multiple jobs, first time buyers, expats and buy to let investors. Vida uses the latest financial technology to support and inform human underwriting decisions.