This manual outlines the advice and sales process to be followed in the course of carrying out mortgage business.  It provides a step by step process from providing your contact details and completing a factfind through to producing a suitability letter.  There is also a section on Business and Consumer Buy to Lets along with tips on identifying which category the mortgage falls under.  In addition there is a section on debt consolidation and cold calling.

You can purchase now or join our member’s club and gain access to all our documents, manuals, policies and templates.

This bundle provides firms with a selection of documents and examples that are used when providing advice to mortgage customers.  The example Disclosure Documents (DD) provides two different ways of disclosing a firm’s information to a customer.  Depending on your firm you may wish to choose the second example which puts key information into circles so that they stand out to the customer.  Whichever, you choose is up to you, but we like to offer something different to the norm.

Our BTL declaration assists customers and firms identify whether the buy to let is business or consumer.  It also requires the customer to sign to evidence that this has been discussed and agreed.

We have also produced a fee election form which is split into two sections.  The first identifies whether the customer can afford to pay the fee, if one is charged.  The second part is then completed if the fee is to be added to the mortgage and the risks of doing so, i.e. interest will be charged. There is then a section for the customer to sign.

You can purchase now or join our member’s club and gain access to all our documents, manuals, policies and templates.

This bundle is designed to help Brokers obtain facts about their customer to satisfy the ‘know your customer’ rules.  There is also a selection of template letters that Advisers can use depending on the type of mortgage recommended.  Our letters have been designed with simplicity in mind so that under each section you can simply select the relevant paragraph and delete the rest.  We always emphasis that a letter should say why you have recommended the mortgage, rate, term, etc.  Therefore, our letters adopt this style.

Please note, Suitability Letters should be made personal, however our letters should assist you get started.

You can purchase now or join our member’s club and gain access to all our documents, manuals, policies and templates.