Simon Chapman, group head of marketing at Vida Bank, explores why lending into or in retirement is increasingly becoming a mainstream consideration rather than a specialist niche.
Why Making Tax Digital is about more than compliance
Grant Seaton, head of intermediary lending at Cumberland Building Society, says Making Tax Digital may have been introduced as a change to tax reporting, but its biggest impact could be on the way landlords manage their businesses.
Why is my Net Promoter Score declining? Turning insight into action – Part 2
Jake Sandford, head of data and analytics at Smart Money People, says by grouping negative comments into themes such as communication, customer service or the process, you can quickly identify recurring pain points and understand the context behind a decline in NPS.
Smaller landlords still have opportunity post-Renters’ Rights Act
Paul Huxter, head of intermediary sales and distribution at West One, reflects on the opportunities that remain for smaller landlords despite the Renters’ Rights Act and other recent legislative changes – and how brokers can provide value for smaller landlords in a professionalising market.
Why a credit score alone is no longer enough
Matt Meecham, director at Check, says income, expenditure and other financial activity can be just as important as knowing what appears on a credit report.
Why protection feels bolted on, and what to do about it
Ash Borland, mortgage business coach at Ash Borland Consulting, explains why the best advisers understand that their role is to make sure the client sees the full picture from the start, not have half of it dropped on them at the end.
Using misconduct reporting data as culture intelligence, not simply to tick a compliance box
Gemma McCall, co-founder and CEO of Culture Shift, argues that by the time someone makes a formal report, it’s often already too late – the real value is in using reporting data to spot and stamp out bad behaviour before it gets that far.
Why commercial lenders back business plans, not just buildings
Conor McDermott, director of SME lending at LHV Bank, explains how two borrowers might be looking at very similar buildings, but if one has a clear strategy to improve the asset and the other doesn’t, they’re no longer asking a lender to support the same opportunity.
The buy-to-let refinancing market is already taking shape
John Goodall, CEO of Landbay, says advisers should look through existing client banks now, identify which landlord deals are coming towards maturity and begin those conversations early enough to consider the full range of available options, rather than allowing the mortgage expiry date to dictate the timetable.
Slow house price growth creates opportunities for property investors
Martin Sims, distribution director at Molo Finance, explores why a period of slower house price growth can give investors the chance to focus more on the basics.