SMP Mortgage & Protection Roadshow Q1, Thames Valley

2018 was an unprecedented year in the intermediated mortgage market, what lies ahead in 2019 and beyond? How will the fast-evolving technology in this sector aid IFAs and Mortgage advisers and what threats/challenges will this bring?

• Develop a greater understanding of the Mortgage market from a distributor’s perspective.
• Understand some of the effects the economy is having on the market.
• Learn how technology will influence this sector of the market.

Find out how you can help clients who have property – and could benefit from specialist lending such as bridging and development finance. Understand some of the challenges property professionals face in the market, and how you can help them access specialist finance

In this session you will also learn:

• Bridging and Development finance: 101
• How you can provide additional support to your existing client bank
• How to help your clients become a property developer
• How to arrange bridging and development finance

The later life lending market is huge and growing year on year. Equity release is a key part of this growth, but we are also seeing the emergence of other forms of lending for older borrowers such as RIOs (retirement interest only mortgages). What does the future of this market look like as we head towards a new decade? What growth trends will emerge this year and how do advisers spot and take advantage of the opportunities? Come and listen to Key Partnerships, the UK’s largest B2B equity release referral business, give a unique and informative insight into this exciting growth sector, with pointers on how to spot and market to suitable clients.

• Understanding later life lending and the equity release market opportunity
• The different types of customers who could benefit from equity release
• Practical applications for your client base

Key Retirement

Coventry for Intermediaries will provide an update on Financial Crime and Risk from a lender’s perspective

During this session you will have an understanding of:

• Common and emerging themes.
• Lender controls.
• The overview of fraud types, to help intermediaries better identify concerns and protect themselves.

When you’re making a cake, the ingredients you use, the sequence in which you add them and the timing all have an impact on the end result. When you think about your protection sales process, it’s not much different. The things you do, things you say, when you say them, and how you say them all have an influence on the end result. In this presentation, Royal London will present some simple but effective tools and ideas you can use and incorporate into your own sales process to help you achieve genuine protection buy in from your clients

At the end of this session you will be able to:

• Describe the importance of making a good first impression
• Explain the importance of advice using a simple opening premise
• Demonstrate the true benefits of Professional Advice vs non-advice
• Position protection risks and probability using the Royal London Marketing Studio Reports
• Describe why a discussion around lifestyle expenditure can help you manage the objection about affordability and budget
• Build a cost-effective menu-based protection solution

As the specialist lender you can bank on, Precise Mortgages is committed to delivering educational content. This includes providing an overview of the changing buy to let landscape and the opportunities that are available to Landlords. Roger Morris, Director of Sales at Precise Mortgages, will discuss how the recent changes will enhance and influence the buy to let market further. His goal is to help prepare both brokers and landlords ahead of upcoming changes and ensure they are equipped for the opportunities that can be presented

Following this session, you’ll have a greater understanding of:

• The complexity and structure of ownership and the implications for not choosing the right structure
• Buying without needing to save for a deposit
• Equity acceleration
• Property conversion
• Understanding HMOs
• Tenants in Common
• Limited Companies and SPVs
• Incorporation tax relief
• Stamp duty and its implications

The seminar will cover a discussion on the formalities of making a Will together with a detailed discussion on the common types of Wills which are drafted to take into account care fee planning, inheritance tax planning and provision for children from previous relationships. The session will also cover Lasting Powers of Attorney, the different types of Lasting Powers of Attorney and also the ability of the attorneys to make gifts

Following this session, you will know:

• When a client should make a Will, when it should be reviewed and what are the relevant considerations when making a Will
• The application of the newly introduced residence nil rate band
• A general understanding of inheritance tax
• How to understand the different types of Lasting Powers of Attorney and when they can be used
• The ability of the attorneys to make gifts