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 Helping first time buyers!! One of our Top Lenders is saying… New Builds Purchasing a new build can be complex. We can help by accommodating builder incentives up to 5% of the purchase price. Plus, our easy to use online application process allows you to track your client's case every step of the way. High LTVs For those with small deposits, we offer up to 95% LTV. Plus, we also can help with upfront costs, by offering cashback options and products with Standard Valuation Fees paid by us. Maximise buying power Our Joint Borrower Sole Proprietor (First Start) mortgage can boost your client’s borrowing power. By using the income of a sponsor (parent or close relative), they could get the property they really want. Complex cases If your client has a good income, but doesn’t meet straightforward lending criteria, our Bespoke residential range could help. Every case is individually assessed to understand the full picture. Plus, we offer up to 5x income, even at 90% LTV for residential ...

  New later life lending solutions at Border Mortgage Services One of our Top Lenders is saying...   As a specialist lender, we recognise that later life lending could be a vital lifeline for borrowers and their families as they enter retirement.   To help provide your clients aged 55+ with more options, we offer a range of Later Life , Lending into Retirement and Retirement Interest Only (RIO) mortgage solutions.   Raising capital with later life lending   We understand that financial priorities change over time. To further support you and your clients, there are a number of scenarios in which borrowers may be able to raise capital against their property with a mortgage from the Marsden.   1 Debt consolidation: Some borrowers may use later life lending to manage or pay off existing debt, with a ma...

  At Zurich we want to make sure your customers have the cover that best fits their needs and budget. With our three levels of cover, inbuilt flexibility and additional options such as Zurich Accelerate and Multi-Fracture Cover, you can craft the perfect solution. In case you need a refresh of the different types of adult cover we offer, take a look at the information below. Still want to know more? Reach out to your usual Zurich contact who will be happy to discuss our offering in more detail.  

The Financial Conduct Authority has received almost 5,000 scam reports of people impersonating the regulator in the first six months of 2025. The FCA said it had received 4,465 reports of fake FCA scams to the regulator’s consumer helpline already this year with 480 victims duped into sending money to the fraudster. Almost two-thirds of reports came from people 56 years old or above. According to the City watchdog, fraudsters claimed the FCA recovered funds from a crypto wallet that was opened illegally in a person’s name to get them to hand over funds or sensitive information. Another common method used is to target loan scam victims, who are often very vulnerable, with fraudsters claiming the FCA can help them recover the money they have lost.  They are then persuaded to hand over further funds. A separate scam which has emerged involves fraudsters emailing consumers telling them their creditors have taken out a County Court judgment against them and they need to pay the FCA the ...

 First Time Buyers with No Income! One of our Top Mortgage Lenders are saying…. Helping the next generation get onto the property ladder is one of the most rewarding aspects of what we do as a lender.  In a recent residential case, we did just that.  We helped a father support his daughter’s first-time buyer purchase of a £395,000 mid-terrace house in Gloucester using a Joint Borrower Sole Proprietor (JBSP) Background of the client Father (Joint Borrower) Daughter (Sole Proprietor) Employment Semi retired - £62.1k salary Unemployed Pension £48k private, £8.4k state (during the term) N/A Savings £351k in a joint account N/A Current rent/mortgage Mortgage all paid off £520/ month rent (paid by father) Contribution to mortgage Full affordability No current contribution Final Outcome Despite the daughter not currently earning, we were happy with the fathers strong affordability.  With a £295,000 gifted deposit, we approved a £100,000 mortgage on a 25-year capital & i...

  Helping Hand minimum income reductions We recently reduced the minimum incomes for both sole and joint applicants. This change follows the regulator's recent announcement that enables lenders to increase high loan to income lending. We moved quickly so that we could support more first time buyers to get on the property ladder.