Exhibitors

Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society. They exist to help brokers look after what matters most, their clients. At Accord mortgages, we take a common-sense, personalised approach to lending with a focus on personal relationships and adding that human touch.

Contact Page: https://www.accordmortgages.com/contact

• Boost LTI
• Cascade Score
• Common-sense Lending
• Joint Borrower / Sole Proprietor
• Welcome box

With over 10,000 members, Air is the leading, later life lending platform. Enabled by technology, knowledge and people, Air offers advisers and lenders, best-in-class digital sourcing tools, personal performance development services, incentives and rewards programs, designed to help advisers and business grow within the later life lending sector.

Air comprises of:

• Air Club (the industry’s largest ‘adviser-centric’ Later Life mortgage Club)
• Air Sourcing (the leading whole of market later life sourcing tool)
• Air Academy (innovative CPD training provider, offering the new ACCREDITED LATER LIFE LENDING PROFESSIONAL standard with LIBF)
• Air Marketing (helping advisers grow and promote their business)
• Air Ambassadors (connecting later life professionals with Corporate input and knowledge)

Central Trust supports underserved areas of the market, providing customer outcomes that are otherwise limited or non-existent. They truly support those that have fallen victim to circumstance with its first and second charge residential mortgage products. The lender has also recently enhanced its Consumer BTL offer to include family members, increased LTVs to support more credit impaired borrowers.

• Second Charge Mortgages
• Buy-to-Let
• Bridging Finance
• Consumer buy to let mortgages

Fleet Mortgages is an intermediary only BTL lender who caters for both professional and semi-professional landlords, on an Individual or Limited Company/LLP basis, for both regular residential properties, HMO’s and Multi Unit Blocks. Fleet was recently acquired by Starling Bank, and are therefore very well positioned to help mortgage advisers grow this area of their business and support their BTL landlord clients with the right solution for their needs.

• Standard Individual Buy to Let Mortgage Range
• Limited Company / Limited Liability Partnership Buy to Let Mortgage Range
• HMO/MUFB Buy to Let Mortgage Range

Fluent Money are the UK’s largest specialist broker with over 500 staff based in Bolton. We offer a simple referral option for brokers to assist in placing difficult case in Mortgages, Secured Loans, Equity Release and Bridging and pay generous commissions on all products.

• Mortgages
• Secured loans
• Bridging Finance
• Equity Release

Founded in 2007, Gatehouse Bank is an award-winning Shariah-compliant UK bank that offers competitive Buy-to-Let and Residential property finance for UK residents, UK Expats, International residents and corporate entities looking to purchase or refinance property based in England and Wales.

We welcome applications from first time landlords as well as portfolio landlords (with no limit on the number of properties), individuals, LLP’s and Limited Companies (UK registered SPVs). We have no early payment charges on any product and offer a range of financing options including HMOs and MUFBs. For full product and criteria details please visit our website.

1. 1.) Shariah-compliant buy-to-let and residential property finance available to first time buyers and landlords where existing property ownership is not a requirement.
2. 2.) Portfolio Landlords – no limit on the number of properties.
3. 3.) UK Expats / Foreign nationals and foreign income accepted.
4. 4.) No Early Payment charges on any product.
5. 5.) Finance available to individuals, LLP’s and Limited Companies (UK registered SPV’s with Property business related SIC codes only).

• Buy-to-Let
• Residential
• Portfolio landlords
• Ex-pats
• LLPs

Offering loans up to £25M at 75% LTV, HTB provide specialist residential and semi-commercial loans to landlords and property investors. This is backed by the strength of their competitive products and seriously extensive criteria to accommodate your client’s needs, quality service with quick turnaround times for DIPs, and underwriting decisions, and an incredible team of property specialists brimming with talent who bring extensive market knowledge to each and every case. This means they’re truly able to deliver for brokers whilst championing and supporting landlords and property investors.

• Limited Companies
• Holiday Let
• Trading companies
• Portfolio landlords
• HMO/MUFB

HSBC is one of the world’s largest and most successful banking and financial services organisations, with a proud history of serving customers and communities for more than 150 years.

Our purpose is a simple yet powerful reminder of why we're here and where we are going. Whether individuals are saving for a better home, companies growing their business, or institutions investing for future generations. We're here to understand and serve them all. We’re here to open up a world of opportunity.

HSBC UK’s dedicated Intermediary mortgage channel continues to transform the broker journey through digital integration, offering flexibility and functionality to provide a high-quality service to our Intermediary partners.

Our experienced field and phone Business Development Managers and UK-based telephony Broker Helpdesk continue to provide a superior level of support that our intermediary partners have become accustomed to.

• A range of competitive mortgage products
• 100% guaranteed allowances, second jobs and rental income
• Gifted deposits from family members for UK residents
• Max 5 x income available (subject to LTV and income)
• Foreign currencies/foreign nationals/overseas customers/overseas deposits accepted

One of the main objectives of In Partnership is to enhance the commercial prospects for its members by freeing up their time to do what they do best, namely, advise clients and expand business opportunities.

It’s about delivering clients the right advice for their needs and helping you build the business you want.

Our support for you will seek to encourage best business practice and profitability through business development initiatives and added value services. We believe in being open, approachable and totally transparent in the way we operate, ultimately benefiting the general public.

As a Network, In Partnership’s culture is unique; a close, personal network where there are no ‘ivory towers’. Members are able to engage directly with the Management Team and Directors.

From sole traders, small companies to large multi-adviser practices, we pride ourselves in ensuring all members feel like part of a larger organisation that can be relied upon.

• At a time when other networks are limiting choice, our advisers can choose their trading style.
• Our non- intrusive compliance services cover all aspects of regulated advice
• We offer full compliance support.
• We offer a comprehensive education programme
• We deploy a broad range of research tools to assist members in creating the best possible outcomes for clients.

Keystone Property Finance is a specialist buy-to-let lender for intermediaries only. Keystone lends to landlords borrowing both personally and through a variety of corporate structures including trading limited companies, SPVs and LLPs. Keystone has established themselves as one of the go-to lenders for brokers who have complex landlord clients that are looking to finance standard buy-to-let properties. As well as those wanting to finance higher-yielding properties such as HMOs and MUFBs. Keystone uses a cloud-based AIP and application system that enables brokers to transact cases quickly and efficiently.

• HMOs - up to 15 beds
• MUFBs up to 15 Units
• Ex-pats
• Holiday Let
• Individuals, Trading Ltd Co, SPVs & LLPs

We’re a multi-award winning BTL lender that provides specialist tailored solutions for landlords.

• Limited Companies
• LLPs
• Trading companies
• MUFB
• Portfolio landlords
• Green mortgage products

LendInvest Mortgages provides fast, flexible and simple mortgages to homeowners, experienced property investors and portfolio landlords around the UK. With a broad range of Residential and Buy-to-Let mortgages, and short-term products, we couple deep industry expertise with market-leading technology to simplify the mortgage process for both brokers and borrowers alike.

• Buy-to-Let
• Bridge
• Online portals for application submission and tracking
• Residential
• Development

LV= GI provide a range of General Insurance products for intermediaries to sell to their clients, because they know you’ll always have your clients back, so they’ll always have yours. At LV= GI they believe outstanding people deliver outstanding service and that powers performance for you and your business. But it’s their combination of people and technical capability that delivers better results for everyone. One community, working effortlessly together to bring the best to you and your clients.

• Home Insurance
• Landlord Insurance

Mercantile Trust is a specialist lender on a journey to support growth in otherwise underserved areas of the buy-to-let and bridging markets, and lends in England, Wales, Scotland and Northern Ireland. While many providers only lend from £100k, Mercantile will consider loans from £25k+ on a bridge and £10k+ for a BTL, supporting investors outside of London and the South East.

• Second Charge Mortgages
• Consumer buy to let mortgages
• Bridging Finance
• Buy-to-Let

When your client needs a short-term loan, they need it to be fast, flexible, and stress-free ‐ at MT Finance we pride ourselves on delivering exactly that.

• Auction finance
• Regulated
• Unregulated
• Bridging Finance

Nationwide has an enduring commitment to the broker mortgage market. Every broker has access to an expert Business Development Manager, helping them grow their business. We provide competitively priced mortgage products and excellent service. And continually invest in improved technology.

Service is at the forefront of our proposition. We have a network of field and telephone BDMs, so every broker has a specific point of contact. And our support teams are available via telephone and Broker Chat for pre-application queries, along with a post-application team ready to help with ongoing applications.

• Helping Hand, your first time buyer clients could borrow up to 20% more
• Dedicated New Build hub and guide to help you submit New Build business more easily
• Deposit Unlock, allowing your first time buyers and home movers to borrow 90.01-95% LTV, up to a maximum loan of £750,000 on New Build properties
• Green rewards available for the purchase of energy efficient properties, with 0% further borrowing available for green home improvements
• Remortgage products with free standard legal fees or £500 cashback, up to 95% LTV for like-for-like remortgage

Contact Page: https://www.nationwide-intermediary.co.uk/support/contact-us

Find Your BDM: https://www.nationwide-intermediary.co.uk/support/find-your-bdm

• Helping Hand
• Deposit Unlock
• New Build Hub
• Remortgage Products
• Green Rewards

Nomo is the world’s first Islamic international digital bank, offering Sharia-compliant property finance and everyday banking to the customers in the GCC. Nomo provides access to cross-border, digital, Sharia-compliant property financing with the ability to get an AIP in a couple of minutes and enjoy fast time-to-offer and competitive rates without needing a UK residency. Customers can apply for a UK current account to benefit of a multi-currency debit card, rapid international transfers with transparent fees and invest in a range of Fixed Term Deposits. Built in just nine months, Nomo is a truly unique, ‘banking without borders’ proposition.

• Sharia-compliant Residential Property Financing (on UK properties for non-UK Residents - UAE/KSA/Kuwait residents)
• Sharia-compliant Rental property financing (buy-to-let) property financing (on UK properties for non-UK Residents -UAE/KSA/Kuwait Residents
• Rental and Residential Sharia-complaint Refinancing
• Fixed term deposit UK/UK/EUR
• Multi-currency accounts, debit card and digital wallet

Pepper Money is a broad specialist lender. We exist to help people succeed. Championing individuality and looking for opportunities to say yes, rather than reasons to say no. We understand that brokers have a range of different needs, because their customers do, too. These clients may want to take the next step in their homeowning journey. Brokers want to help them, in the most efficient and profitable ways. We’re here to help both parties fulfil their ambitions. By offering simple, inclusive products. By having a human approach to decision-making. By being easy to work with. And by providing specialist expertise that can be relied on. After all, when you keep an open mind and listen to people, everyone succeeds.

• Specialist Residential Mortgages
• Affordable Home Ownership

Roma Finance love to lend and aim to provide the ‘Borrower First’ experience to those looking to create prosperity from property through learning, collaboration, innovation and integrity. Our approach is to underwrite the borrower before the property and have solutions for a multitude of property project scenarios including auctions, conversions, refurbishments, standard bridging, developer exit, below market value properties and development finance. Our solutions are tailored and available on residential and commercial properties. We can also offer #RomaFLOW; the fast process channel for bridging, auction and light refurbishment cases, designed to be speedy, straightforward and simple.

• Bridging Finance
• Development Finance
• Auction finance
• Refurbishment finance

Sikoia is a London-based fintech transforming customer onboarding for mortgage advisers. Its solutions streamline key aspects of the customer verification process, automating data organisation and evaluation to simplify mortgage applications. With centralised access to automated insights through Sikoia's API or user-friendly Customer Evaluation Dashboard, mortgage advisers can seamlessly integrate the platform into existing systems. By enhancing document verification and elevating the application experience, Sikoia improves operational efficiency whilst boosting member satisfaction for building societies.

Sikoia is regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Credit Reference Provider; serve Fintechs and larger established institutions in more than three countries; and are backed by leading institutional investors.

• AI-Powered Document Processing - Automate the processing of customer-provided documents for instant (i) completeness checks, (ii) customer insights and verification, and (iii) seamless pre-population of data in back-end decisioning systems and front-end portals. We ensure accuracy and full automation by focusing on specific documents and using financial services-specific models.
• Automated Affordability Insights - Automatically generate an accurate picture of your customers’ affordability using verified and up-to-date data from PDF bank statements and/or open banking. By extracting, categorising and consolidating all data into a single profile, we cut manual work by over 75%, ensuring consistency in decisioning and enhancing the customer experience.
• Automated Income and Employment Checks - Eliminate the need for manual reviews of payslips, tax returns, or bank statements to verify income and employer details. Our system processes all customer-supplied documents, automatically generating proof of income and employer information. The data is cross-validated and seamlessly integrated back into your systems.
• Unified API and Data Marketplace - Single API access to a marketplace of vendors ranging from open banking, credit bureaus, identity verification, international company registries, PEPs and Sanctions, adverse media and more - all structured and organised around a case.

• AI-Powered Document Processing
• Automated Affordability Insights
• Automated Income and Employment Checks
• Unified API and Data Marketplace

SortRefer is a free-to-use online portal for Mortgage Intermediaries. Designed by Mortgage brokers, to provide you with products to enhance the Mortgage Service you provide to your clients. Products include Conveyancing, Surveys, Wills, Independent Legal Advice and much, much more. We have a nationwide panel of hand-picked suppliers and we pride ourselves on our commitment to service, bespoke technology and fair referral fees.

• Conveyancing
• Surveys
• Wills
• Specialist Property Reports
• Independent Legal Advice

Source Insurance is an intermediary that has been working with advisers since 1993 to provide optimum home insurance to customers. Since launching, Source has been dedicated to providing expert knowledge of the insurance industry, whilst developing new systems and technologies to deliver a first-class service to their customers.

Source’s aim is to help people find the right insurance for their needs, by providing advisers with access to the best policies and insurance providers. Utilising a panel of top insurers, Source supply those seeking home insurance policies with high quality products for low prices.

Source’s Products and Services:

Home Insurance Products

Source utilise their whole-of-market offering to provide their customers with the ability to customise their policy to fit their needs. By accommodating unique needs, policyholders can find the perfect protection to cover their assets, with both standard and non-standard products available.

Buy-to-Let Products

An essential part of a let property purchase is the need to have adequate levels of cover. Source’s buy-to-let insurance covers a range of features including loss of rent, buildings and content insurance, cover for legal expenses, home emergency insurance, and rent guarantee.

Source Go

Source Go revolutionises the way customers can complete referred home insurance quotations, waving goodbye to inconveniently timed quote calls and welcoming a swish online system, where they can complete their own quote, in their own time. At Source, we take fair value seriously, designing Source Go to present your customers with low prices that will leave the competition standing.

The Source

Working in tandem with their customers, brokers can opt to flex the quoting process to suit each individual’s needs, transferring specific sections of the insurance process to their clients. The Source allows customers to build the perfect policy to fit their needs, completing certain aspects of the procedure set by the broker. This facilitates greater customer input in the insurance journey and, subsequently, eliminates self-service objections.

LearningLab

Source have established an enhanced library of educational resources for advisers to utilise, expanding their knowledge to improve their services. With a range of learning methods including micro-courses, eBooks, fact sheets and video tutorials, advisers can enhance their industry knowledge with the way that suits their needs.

• Home Insurance Products
• Buy-to-Let Products
• Source Go
• The Source
• LearningLab

At SBI UK we offer a competitive range of Buy to Let Mortgages on both an Individual basis and an Ltd Company basis. Whether your client is taking their first step to become a landlord or expanding their current property Portfolio SBI UK should be your first stop. Our offering is there to cater to all your client’s Buy-to-Let needs; whether they are looking to Purchase or simply re-mortgage an existing Buy to Let. Our rates are very competitive and we aim to offer the best possible terms to both existing and new clients. Please see available rates on our website:

https://sbiuk.statebank/btl-products

• No external restriction on background properties, Maximum exposure with SBI is £5,000,000
• 10 properties on 1 freehold (subject to criteria)
• Newly incorporated Ltd/LLP companies accepted
• Rental Stress Test on 5-year fixed product @ Pay Rate. (Purchase and Re-mortgage) & on all other products @ 5.5%
• Valuation fee refunded & £300 Cashback for re-mortgage cases only.

Stonebridge is one of the largest independent mortgage and protection networks in the UK, with a professional community of more than 1,000 mortgage advisers. Providing award-winning support to mortgage brokers since 1988, Stonebridge’s core purpose is to help our member firms deliver brilliant service. We never forget their individual needs and ambitions and we work closely with them to achieve their goals.

Our flexible proposition, sales development and support ensures all regulatory requirements are met, alongside our wholly-owned ‘Revolution’ software, which provides a wealth of tools and systems designed to free up adviser’s time to focus on giving mortgage advice.

• Mortgages
• Protection
• Business Standards
• Broker support software
• Business Development & Marketing support

Tandem, a new specialist lender who are challenging the mortgage world with some great criteria, who can complete a Remortgage quicker than any other lender. Tandem are a 100% intermediary focused lender, and they put you, the broker, at the centre of their thinking. That’s why I am inviting you to register with Tandem today, with the opportunity to win a £50 Amazon voucher, where a winner will be selected at random after registration. The link to register with Tandem is here https://www.intermediary.tandem.co.uk/registration

• Re-Mortgages can be completed within 15 days of a DIP accept
• Maximum LTV 90% for purchase and remortgage, including Debt Consolidation
• Unsecured loans acceptable as a deposit
• Fair View Credit Assessment - Tandem only assess the client's most recent 22 months credit history for product terms
• All CCJs/defaults under £750 are ignored, above this amount, Tandem assess on number not value

People talk about ‘specialist lending’. Technically that’s what we do, but ‘specialist’ isn’t how we see ourselves. Our business is simple — lending for real life.

It isn’t all nine to five. There are self-employed people, folks who make a living as landlords, people who have maybe been through some tough times, or who have the odd gremlin on their credit report. Real people.

Mainstream just isn’t us — we don’t use credit score cascading or faceless, inflexible processes. Our underwriters would rather work with brokers to come up with real answers to real issues. We call it lending for real life.

• Buy-to-Let
• Self Employed Mortgages
• Complex Income Mortgages
• Impaired Credit Mortgages

The Mortgage Works is a subsidiary of Nationwide Building Society and has an enduring commitment to supporting landlords and the broker mortgage market. Every broker has access to an expert Business Development Manager, helping them grow their business. We provide competitively priced mortgage products and excellent service. And continually invest in improved technology.

Service is at the forefront of our proposition. We have a network of field and telephone BDMs, so every broker has a specific point of contact. And our support teams are available via telephone and Broker Chat for pre-application queries, along with a post-application team ready to help with ongoing applications.

• No minimum personal income requirements
• No maximum age for Experienced Landlords at 65% LTV or less. For other applicants or LTVs, maximum age at application is 70 years.
• Buy to Let and Let to Buy products up to 80% LTV. With a range of product fees to suit your clients’ needs.
• Limited Company proposition with products available up to 80% LTV and 125% Interest Cover Ratio
• Portfolio landlords accepted, and no limit on number of properties held

Contact Page: https://www.themortgageworks.co.uk/support/contact-us

Find Your BDM: https://www.themortgageworks.co.uk/support/find-your-bdm

• Buy-to-Let
• Let to Buy
• Limited Company
• Portfolio landlords
• No minimum personal requirements

Together has been delivering specialist secured lending for more than 47 years, using its wealth of expertise and industry knowledge to consider individual circumstances to find a way to help its customers. All applications are considered on their merits and the commercial product range includes short-term finance, buy-to-let, commercial and semi-commercial mortgages and loans, auction finance and development funding throughout mainland UK.

• Bridging Loans
• Buy-to-Let
• Commercial
• Development Finance
• Personal mortgages & secured loans

UnderwriteMe’s Protection Platform helps Advisers gain fully-underwritten policies from major insurers on one platform, allowing them to complete the sale of protection without calling providers or re-keying application direct.

• Fully-underwritten - Gain real-time fully underwritten premiums from a single underwriting application - It instantly shortens your pipeline and provides time efficiency.
• Pre-sales underwriting - ability to gain live pre-sales quotes at any stage of the application.
• Compare quality - integrations with Protection Guru Pro, CI Expert and Defacto Compare.
• We work closely with 8 major insurers, allowing you to get a better scan of the market.
• Free to use!

• Protection Platform – for Advisers
• Underwriting Engine
• Business Analytics
• Text Mining Lab (Insurers only)

United Trust Bank’s (UTB) Mortgages for Intermediaries and Bridging teams provide competitive and reliable property funding solutions for a variety of purposes.

UTB Mortgages offer a range of residential first and second charge mortgage products and Buy to Let mortgages designed to cater for borrowers who aren’t best served by mainstream lenders. UTB’s Bridging team provide quick and competitive regulated and unregulated bridging loans for a variety of uses and property refurbishment finance facilities for experienced and first-time property developers. Both divisions utilise the latest technology to deliver quick and reliable lending decisions and to provide smooth, successful journeys for brokers and their customers.

www.UTBank.co.uk