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Our speaker for March was Roger Morris, Director of Mortgage Sales and Distribution at Tandem who spoke about
'reimagining of the remortgage process'
'reimagining of the remortgage process'
The event took place from 11am-12:30pm on Wednesday 1st March
If you are watching on-demand, please register using the form below to earn valuable CPD points.
Our speaker for May was Robert Sinclair, Chief Executive at AMI who spoke about
'Consumer Duty – what do firms need to do before 31 July 2023?'
'Is ‘Green’ really a thing?'
'What should we expect from the FCA in 2023/24?'
'Consumer Duty – what do firms need to do before 31 July 2023?'
'Is ‘Green’ really a thing?'
'What should we expect from the FCA in 2023/24?'
The event took place from 11am-12pm on Thursday 25th May
If you are watching on-demand, please register using the form below to earn valuable CPD points.
Our speaker for July was Grace Bennett, Business Development Manager at The Family Building Society who spoke about
'helping clients onto the property ladder'
'helping clients onto the property ladder'
Family Building Society offer an impressive product range, some features of which you won’t find anywhere else. They offer a vast range of family mortgages depending on your client’s circumstances, and Grace will be discussing these in more detail with Tony.
Family members can provide security for the buyer's mortgage by depositing savings in the Family Security Account, which then earns interest. This money acts as security for the mortgage and reduces the risk, so that the Society can offer a fair and reasonable rate for a 95% mortgage.
If you have a family member who would like to help but doesn’t have the funds to be able to do so, they can give a charge over some of the value in their property. By providing this security, the buyer could benefit from a fair and reasonable rate for a 95% mortgage.
Money from a family member can be placed in the Family Offset Account at the start of the mortgage. In doing this, the amount of the mortgage on which interest is charged is reduced by the amount held in that account, this is instead of receiving interest on the savings.
As an additional benefit, the Family Building Society will meet a buyer's share of their mortgage repayments for up to six months, should they become unemployed through no fault of their own (subject to certain conditions).
As a packager for Family Building Society, we have access to semi-exclusive products, so join Grace and Tony at this event to learn more about these as well.
The event took place from 11am-12pm on Thursday 27th July
If you are watching on-demand, please register using the form below to earn valuable CPD points.
Our speaker for August is Roger Morris, Director of Mortgage Sales and Distribution at Tandem who spoke about
'how going green will affect landlords'
'how going green will affect landlords'
Do you understand what’s happening with EPC and BTL?
Don’t always believe what is written in the mortgage press, instead make sure that you read all the facts before advising a landlord on what they should do.
Listen to what the government is saying, as ultimately, they are the ones who make decisions surrounding legislation and are responsible for raising the current legal requirements from an EPC 'E' rating.
The BTL consultation for improving the energy performance of privately rented homes in England and Wales was intended to 'amend the PRS regulations: Autumn 2021' but it didn’t happen.
The Building Research Establishment (BRE) announced a new government backed project to develop a new approach for more accurately measuring the energy performance of homes ahead of the introduction of the Future Homes Standard in 2025.
The project will see the BRE work with the Department for Business, Energy and Industrial Strategy (BEIS) to improve and modernise the methodology used to measure the energy and environmental performance of UK homes, which underpins the current Energy Performance Certificate (EPC) regime that grades homes based on their energy efficiency.
The project aims to deliver a new version of the Standard Assessment Procedure (SAP), known as SAP11, which will aim to more accurately assess the energy performance of domestic buildings ahead of the introduction of more demanding green building standards and tighter rules governing which buildings landlords can rent out.
The one thing we do know is that we need to improve the energy efficiency of all 29 million homes in the UK to an EPC rating of 'C' by 2035. The government is committed to trying to help us achieve this both in the residential and private rental sectors, but we need to make sure we have all the facts before we make large investments to our properties, and it needs to be carried out in an informed and considered way.
Additional reading and things to note
Building Back Britain: Net zero and the housing challenge report, gives a good insight into the EPC challenge.
Understand what a capital expense is when it comes to retrofitting, under P2035 and why it’s not necessarily tax deductible.
The event took place from 11am-12:30pm on Thursday 24th August
If you are watching on-demand, please register using the form below to earn valuable CPD points.
Our speaker for October was Robert Sinclair, Chief Executive at AMI.
Signalled by the FCA as one of the biggest changes in regulation for many years, Consumer Duty is designed to ensure that consumers get good outcomes. All firms needed to take action by the end of July to define their target market, review all their documentation, and consider whether their fees and charges deliver fair value.
Back in May, Robert Sinclair, Chief Executive at the Association of Mortgage Intermediaries (AMI), spoke to Tony about what firms needed to do to be prepared for these changes.
Following on from this highly successful web show, Robert returns for another Sutton and the Specialist to discuss the impact the introduction of Consumer Duty has had on the industry and brokers since it’s integration on 31st July.
The event took place from 11am-12:10pm on Wednesday 25th October
If you are watching on-demand, please register using the form below to earn valuable CPD points.
Our speaker for November was Colin Sanders, Chief Executive Officer at Tuscan Capital Limited who spoke about
Everything you need to know about bridging
Colin has been in the industry since the 1980’s, initially starting off as a broker before forging a 30-year career as a lender. In 2017 he set up Tuscan Capital where today he is CEO. Having spent over 10 years working in the bridging sector, there is nothing Colin doesn’t know about this area of specialist lending.
Join Colin and Tony for our last Sutton and the Specialist for 2023 and learn all there is to know about bridging finance, including:
- What – bridging finance explained
- When – when to use it
- Why – cost versus benefit
- How – make it happen and quickly
- How – make sure you can get out of one – the exit
- How – to make a great revenue stream from introducing bridging loans as an option
The event took place from 11am-12:20pm on Wednesday 22nd November
If you are watching on-demand, please register using the form below to earn valuable CPD points.
