Nici Audhlam-Gardiner is managing director of lifetime mortgages at OneFamily.
Adrian Moloney is sales director at OneSavings Bank.
Glenn Seddington is managing director of Tenant Shop.
Arwel Griffith is a partner at Robert Sterling Surveyors.
In the case of salaried partners, typically their guaranteed annual income is subsidised by performance0related bonuses, which again can be complex for the high street.
Holiday lets are not for everyone, but for the right investor, the maths can be quite compelling.
With product transfer opportunities on the increase, client retention may need a fresh approach.
In some cases ‘mom and pop’ type investors are not sophisticated enough to analyse the risks, looking only at the headline rate of interest they believe they will receive.
With society changing at such a rapid rate it is the job of the mortgage market to evolve and recalibrate its modelling in order to accommodate people who don’t fit into the neat tick boxes the high street lenders have traditionally used.
The overwhelming consensus for the use of free legals is that they lead to delays, suffer from a lack of communication and generate angry parties, on all fronts.