360 Dot Net are the developers of the 360 Lifecycle CRM and fully integrated FactFind with mortgage, protection and GI sourcing. The CRM and FactFind promotes a seamless experience for both advisers and customers with a full audit trail and no re-loading of documentation nor re-keying of data.

Age Partnership is one of the UK’s leading equity release brokers, with over a decade of experience specialising in this area.

If you’re an adviser looking to expand the ways you can help your clients, our equity release referral service could be the answer that ticks all the boxes.

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.

Al Rayan Bank is the UK’s oldest and largest Islamic retail bank. Founded in 2004, Al Rayan Bank provides a range of UK home and property finance options, including Home Purchase Plans and Buy To Let Purchase Plans to customers throughout Great Britain, Expats and Foreign Nationals.

Ashfords is a national provider of legal, professional and regulatory services. Our Equity Release Team specialises in advising clients on the legal implications of lifetime mortgages and reversion plans. Our award winning team offer specialist advice, working in conjunction with your financial adviser, providing a professional, efficient and friendly service. For further information visit: www.ashfords.co.uk.

Aviva is the UK’s largest insurer, providing 33 million customers worldwide with insurance, savings and investment products under one global brand. With over 300 years of heritage, we’re the UK’s leading provider of savings and retirement products, helping 6 million people save for their future and live life in retirement.

B&C offers bespoke mortgage solutions. We are innovative, responsive and dedicated to finding the right solution for you and your clients.

Our current offering includes commercial, buy-to-let mortgages, non-residents, bridging finance and bespoke residential mortgages for unusual properties, situations and incomes.

We are a small local Building Society who lend throughout England & Wales. We pride ourselves on creating niche products like our Rent a Room Mortgages and Parent Assisted Mortgages to meet our customer’s requirements. We have small experienced team who are used to providing a personal service where we make the decision – not our computers.

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.

Castle Trust was established by an experienced team of senior executives from a broad range of backgrounds, who all recognised the enormous potential for new ideas in the mortgage and investment market. We take the best of our combined experience in product design, finance, technology and operations to deliver exceptional value to our customers.

Clever Lending is a distributor of specialist lending – driven by client outcome and providing the best broker journey. We’re experienced in the most complex of scenarios, offering specialist knowledge across first charge packaging, second charge lending, secured loans, BTL, regulated bridging, and commercial products. For more information visit www.cleverlending.co.uk

Conveychoice is a professional conveyancing service that allows those working with us access to some of the top property lawyers in the country.

Supported by an expert business development team, you will experience unrivalled customer service as well as increasing your income through our generous referral fees.

Criteria Hub is ground breaking technology that offers an online solution to the problem we often find ourselves facing of being in the seemingly endless cycle of checking lender policy pages, calling sales lines and BDMs in order to ask the questions we need answers to when placing cases.

Devon and Cornwall Securities Limited is a fully non status commercial mortgage lender. DCS began lending in 1983 and has been doing so continuously ever since. We believe that we are the only true non status long term lender. Our underwriting is based solely on the value of the property and our loans have no minimum nor maximum term. This means that, unlike a bridging loan, the borrower can repay the loan whenever he/she/it wants to. There is therefore no pressure to redeem at a specific time and no additional fees, costs or interest kicking in at a particular time to worry about. As long as interest is serviced on a monthly basis, the loan can remain in place for as long as the borrower wants. Two of the Directors of DCS are Solicitors and so there are no delays from the legal point of view. We travel to visit every property we lend on and so we have a personal knowledge of each proposition which assists us in discussing the requirements of the borrower and in completing the legal process quickly.

We lend up to 65% of a 90 day value or purchase price, whichever is the lower.

We are a patron of the NACFB.

We finance cases all over England and Wales. The only properties we do not lend on are development projects and filling stations.

The Equity Release Council is the industry body for the sector, representing providers, qualified financial advisers, solicitors, surveyors and other industry professionals. It aims to fully represent and facilitate the safe growth of the equity release market by helping to create the conditions which enable the market to develop effectively.

A Trade Association for those Brokers and Advisers involved or looking to become involved in the Specialist Finance market. As part of the SimplyBiz Group and boosting Partnerships with all the major specialist property lenders, FIBA is a membership base organisation.

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.

Glenhawk provides swift, competitive short-term property finance, allowing clients to realise opportunities and progress developments. With a senior leadership team deeply entrenched in the real estate and financial sectors, Glenhawk has a unique understanding of its’ clients challenges and offers a simple, flexible, approach that makes us the long-term partner of choice.

Whole of market Master Brokers in Specialist Finance covering lending in areas such as;

Bridging, Development, Commercial, Portfolio BTL.

We offer our services to regulated brokers & non regulated introducers alike.

Feel free to come along and chat regarding any lending requirements.

 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

In Partnership are dedicated to helping advisers deliver high quality advice. At In Partnership we believe that the choice of how to operate your business should be your own. We have uniquely developed a flexible range of adviser models, based around our core principles of choice, business support and security.

At Kensington, we believe in Lending for Real Life and understand that life can be complicated, which can make it harder for some people to secure a mortgage.  So, all of our lending decisions are made by experienced underwriters, who will assess your client’s application on its own merits.

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 mortgage lender with tailored lending solutions for experienced Landlords and complex cases. With their personalised underwriting team you can expect a lending offer, subject to valuation, within 48 hours of application, simple fee structures and low interest rates. Landbay buy-to-let mortgages are funded entirely through their peer-to-peer alternative investment platform.

As an award-winning lender we have a range of over 100 innovative mortgage products, all designed to suit your clients’ needs, including:

• Affordable housing
• Interest only
• Investment mortgages
• Residential

We have a team of dedicated Business Development Managers on hand to support you, as well as bespoke underwriting teams.

At Leek United, our reputation is built on traditional values and the best possible customer service.  We pride ourselves on knowing our market, our customers and our intermediaries.

We believe there’s no substitute for face-to-face personal service – come and talk to us on stand F3, and find out why…

Legal & General Mortgage Club is the largest and longest-running mortgage club in the UK, involved in around 30% of the intermediary mortgage market, and one in five of all mortgages in the UK. Now in its 23rd year, it has completed well over £400bn of mortgage.

It prides itself on adding value to its brokers by working closely with new and existing lenders to deliver great products, pricing and criteria. It also has a great mortgage desk and specialist hubs for new build, second charge, conveyancing, buy to let and equity release to support its firms, along with Mortgage Club TV and a significant social media presence to ensure it can get important and educational content to the market.

LendInvest are the UK’s leading property finance marketplace platform. Combining technology with the expertise that comes of a 10-year lending record, they make it easier for experienced property investors, developers and portfolio landlords to access finance, and for individuals and institutions to invest in property-backed loans.

The London Institute of Banking & Finance has a heritage of more than 135 years of delivering world-class, professional education to students in the UK and internationally. It is a not-for-profit educational body with charitable status, incorporated by Royal Charter.

At Magellan, we understand that one size doesn’t fit all. We’re not into ticking boxes or using automated credit scoring to make our lending decisions. We take a much more holistic view, understanding what lies behind the numbers and manually underwriting every one of our mortgages. We believe that makes for a better decision.

Expert in our chosen markets, we look to bring innovative products and choices to our customers, whether looking to help borrowers find finance for their homes (Residential) or their investment property (Buy to Let).

The Martin Roberts Foundation is the brainchild of TV presenter and property expert, Martin Roberts, and was created as a vehicle to raise money through donations and sponsorship to support carefully selected educational and well-being initiatives for children and young people. As a Father himself and a long time supporter and campaigner for the NSPCC, Martin set up the charity to help address the need for ongoing awareness of charities like Childline amongst children and young people. In a world where childhood mental health issues are making the headlines regularly, Martin and The Foundation want to show children that there CAN BE A BETTER WAY and that help is out there, no matter how big or small the problem is. The Charities’ first major initiative is to raise funds to give a free copy of Martin’s kids book Sadsville to every Year 4 child (8 & 9 year old) in the UK, encouraging them to resolve their own issues about sadness, and seek support from Childline if they need help.

A specialist lender challenging traditional banking. Unlike others we don’t box-tick or credit-score. Society is changing, and our products reflect that: from mortgages for self-employed people to bridging loans to help people buy homes. We’re a digital bank with a human heartbeat. Come over and say hello

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.

Mortgager Introducer is the leading magazine and website for the mortgage intermediary market. Now in its 18^th year, the group also includes Bridging Introducer, Specialist Finance Introducer and Loan Introducer as well as the Specialist Finance Introducer Awards and the Mortgage Introducer Awards.

The #MortgageSleepOut aims to bring together the mortgage industry in one united voice to raise awareness on the growing plight of homelessness across the UK and raise the vital funds to support two national charities in their work to eradicate homelessness.

New Leaf is a family owned network who believe in investing in people. We train new entrants from CeMAP up to Chartered status. Our advisers have access to the Whole of the Market and the best rates for mortgage and protection with no loaded premiums.

Norton Broker Services have been operating in the market for over 40 years, proving that there is no substitute for experience. Our staff use their knowledge and expertise to help your customer find the best finance option, whether that is a secured loan, mortgage, personal loan, bridging or commercial loan.

OneFamily understands the complexity of modern family life and provides products and services designed to reflect today’s ever-changing world. And because we don’t have shareholders, OneFamily is able to use its profits to support its customers and help various community initiatives. 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.

We’re Platform, part of The Co-operative Bank – the only high street bank to be guided by a customer-led Ethical Policy. We provide extensive knowledge and expertise across a wide range of competitive mortgage
products, for Mainstream, Help to Buy and Buy to Let.

From expert support with a human touch, to a simple process that’s transparent and fair, we make a difference every step of the way.

We also have a passion for values, ethics, and doing the right thing.  That’s not just something we say – it lives in everything we do.

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.

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.

At Responsible Equity Release we are committed to providing our customers with regulated and flexible access to the equity in their homes. We offer a sophisticated and accessible partnership programme, with market leading commissions, allowing you to take advantage of this growing market in a safe and risk-free way.

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.

When ordinary high street lending isn’t the answer, say hello to ‘unordinary’ lending. Secure Trust Bank’s lending is discretionary, so if it’s a strong case there’s a strong chance they will say yes. And that means they can help you meet more of your customers’ requirements more of the time.

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.

Tenet is one of the UK’s largest adviser groups, providing award-winning support to appointed representatives and directly authorised firms. We provide one of the widest range of services on the market, but the thing that makes us stand out, is that we treat advisers as individuals and go the extra mile to add value to their businesses.

Come and see us at the Expo for an informal chat and to find out more. You can also enter our competition to win a brand new shiny iPad!

You can also find out more by visiting www.tenetgroup.co.uk or calling us on 0800 085 0825.

Specialist lender Together has over 44 years’ experience in the specialist finance sector, working with a range of customers spanning home buyers, investors, property professionals, landlords and small businesses, through its extensive network of intermediaries. Together takes a common sense approach to lending and looks beyond the mainstream criteria.

Vida Homeloans is the specialist mortgage lender for first and second charge residential and buy to let customers who may not fit the criteria currently demanded by high street banks. Vida uses the latest technology to support and inform human decisions, helping intermediaries get specialist cases off their desks.