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

We are a mainstay lender in the short-term finance market with over 18 years worth of experience. We have provided bridging and development loans that have helped property developers, property investors, self-build enthusiasts, financial intermediaries, and many other businesses and individuals when they needed it most. Fully authorised and regulated by the FCA, operating in the residential, semi-commercial and commercial arena, specialising in self-build, barn conversions, auctions finance etc. With our own in-house dedicated legal team, time sensitive cases are not an issue.

• Regulated
• Unregulated
• Bridging Finance
• Development Finance
• Self/new-build specialists

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)

CHL Mortgages is a specialist buy-to-let lender, lending within England and Wales. We lend to Individuals and Limited Companies financing a wide range of properties including Houses, Flats, Shared Accommodation, New Builds, HMOs, and MUFBs. We welcome First Time Landlords right through to experienced Portfolio Landlords

• Buy-to-Let
• Individuals
• Limited Companies
• MUFB
• HMO

• Instruct ASAP: Access to our handpicked conveyancing network, self-billing invoices with prompt payment, no sale no fee searches and a generous referral fee
• Complete ASAP: Free sales progression with lightning-fast conveyancing

Coventry’s expert, knowledgeable people are here to give you the clarity, confidence and reassurance you need to deliver for your customers.

The lender’s commitments to you:

• To give you the information you need when you need it
• To be proactive and helpful in every conversation
• To use tech to speed up common sense, but not replace it
• To recognise that your clients are your clients

The lender’s aim is for every part of your professional world to work together better.

• A range of BTL for individuals and portfolio landlords
• A simple offset, with just one easy-access savings account linked to the mortgage
• An interest-only product range including fixed rate and offset mortgages
• First-time buyer-only rates to help your clients get on the property ladder
• Product transfer rates as good or better than new business rates – all available through brokers

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 520 staff based in Bolton. We offer a simple referral option for brokers to assist in placing difficult cases 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 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.) 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

We're a local relationship bank, built on satisfied customers and financial strength. We’re focused on building relationships with brokers and their clients to offer a private banking experience, with direct access to decision makers to get the right lending decision for your clients.

We offer competitive rates across an extensive range of products and are here to help with finance challenges, big or small. A unique approach like ours means we can take a long-term view, consider the bigger picture, and offer a truly bespoke service.

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.

• 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 provides reliable, flexible and simple mortgages to homeowners, experienced property investors, portfolio landlords and backs developers to meet the UK's housing demand.

With a broad range of residential and Buy-to-Let mortgages, bridging loans and development finance products, we combine our industry expertise with new technology to make obtaining the right mortgage easier.

• Buy-to-Let
• Residential
• Development Finance
• Bridging

• Home Insurance
• Landlord Insurance

• Residential, Commercial & Semi-Commercial Bridging Finance
• 2nd Charge Bridging Finance
• Bridge Fusion
• Residential Buy-To-Let Mortgages
• Commercial Buy-To-Let Mortgages

• No min income requirement
• Top slicing
• Limited Company Buy to Let
• Portfolio Landlords accepted
• Less than perfect credit for landlords
• Reduced stress on pound-for-pound remortgages

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

• 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

• Buy-to-Let
• Residential
• Refurb
• Bridging Finance
• Commercial

Championing individuality. 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. We’re here to help both parties fulfill 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 always be relied on.

• Residential Mortgage Products
• Shared Ownership Mortgage Products
• Right to Buy Mortgage Products
• First Homes Mortgage Products
• Help to Buy Mortgage Products

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

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

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:

• 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.

• A Step One offers a secured loan or a second mortgage loan. Our mortgage loans are available to qualifying homeowners and owners of Buy-to-Let properties in England, Scotland and Wales.

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

• Residential Home Purchase Plans (HPPs)
• Islamic Home Finance
• Expat BTL Finance
• BTL Purchase Plans
• HMOs & MUFBs

• Dedicated Adviser
• Access to Mainstream, Exclusive, and Alternative Providers
• Award-Winning Customer Service
• Excellent Commission Opportunities
• Simple, Transparent Referral Process
• Fully FCA Regulated

• Over 200 partners already refer to us!
• Over £400,000 generated in commissions in 2024 alone
• Rated ‘Excellent’ across all major review platforms

• Life insurance
• Critical illness cover
• Income protection
• Group and relevent life
• Private mediacal insurance

• Buy-to-Let
• Self-employed
• Complex incomes
• Adverse credit

The Mortgage Works is a subsidiary of Nationwide with over 30 years’ experience. We offer a wide choice of Buy to Let and Let to Buy mortgages for experienced and first-time landlords. Every broker will have access to an expert Business Development Manager, helping them grow their business.

Products & Features

• No minimum 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
• Lower rate taxpayer proposition with 125% interest cover ratio
• 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
• HMO products available up to 75% LTV
• Green Further Advance products available to support your clients in improving the energy efficiency of their properties.
• A personalised Portfolio Review provided after the offer of a portfolio case, a tool to help make the most of your client’s portfolios.

Supporting you and your clients

Our Business Development Managers provide support face-to-face, on the phone and via video call across the UK, keeping you up to date with:

• Product information
• Advice on making applications
• Our lending policy and criteria

Submit applications through TMW Online

TMW Online is our online application system for brokers, which provides fast processing and case tracking to give you an efficient case experience.:

• Submit your clients’ applications easily
• Case tracking without the need to call – our systems are updated every 10 minutes.
• Immediate Decision in Principle
• Scan and attach supporting documents
• Download and print case documents online for your compliance records.

Contact us

Broker Chat is an online instant messaging service, open until 5pm, Monday to Friday. It’s a quick and easy way to speak to one of our advisers and gives you the option to save a copy of your chat. You can get help with the following:

• pre-application questions
• procuration fees
• tech support for TMW Online and questions about a Rate Switch application.

• 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

• FINPLAN Home
• Source
• Apply
• Insight
• Communicate

United Trust Bank (UTB) is a multi-award-winning UK lender offering a variety of specialist finance products funded through our successful savings and deposits business.

UTB Mortgages is committed to the intermediary channel and offers a range of competitive specialist mortgages including first charge residential and buy-to-let mortgages, remortgages and second charge loans. Our borrowers are typically underserved by the mainstream market with circumstances and/or requirements falling outside of many ‘high street’ lenders’ underwriting criteria. We provide mortgages to applicants with complex incomes and/or some adverse credit and for properties of non-standard construction including concrete and steel or timber framed and in unfavoured locations such as near to or touching commercial.

We strive to provide successful outcomes through outstanding service, slick processes, common sense lending decisions and a swift turnaround. We invest in great people and cutting-edge technology to ensure broker and customer experiences are second to none.