0.00-01.30 – Introducing Huw Oddy
01.30 – 3.00 – What is a Mortgage report and what is included in it ?
03.00 – 5.00 – What information do you need to be able to carry out your affordability calculation and prepare your report such as -Income from all sources
5.00- 7.20 – The CETV does not tell the whole story and what if there is a SSAS pension
7.20 – 0930 – How relevant are liabilities and credit history and again, how flexible are Lenders in this respect?
0930 – 10.30 – How can clients access the Specialist Lenders who are generally much more flexible with their calculations and how much they are willing to lend?
10.45 – 12.30 – How relevant and important is the borrower’s available capital in terms of their borrowing capacity?
12.30 – 15.00 – Can you give some examples of some situations you have worked with and the challenges your clients faced.
15.00 – 17.00 – At what stage would you come into the financial mediation process?
17.00 – As early as possible? How early? Why is this important from a practical, psychological and emotional perspective?
20.00 – 22.00 – What kind of Mortgage products are available?
22.00 – 22.45 What are the options for borrowing lengths of term ?
22.45 – Will the Lender take into account capital due to be received at a specific point in the future such as pension lumpsums and monies from a Trust
25.00 – 26.30 – How are you instructed?
26.30 – 27.20 – What about a introductory team Zoom session with the clients and mediator?
27.45 – 29.20 – How much do you charge for each application? What about Mortgage product costs?
29.20 – 32.00 – We offer an integrated and co-ordinated package including the conveyancing service and mortgage protection.