Latest financial services news, mortgage news, investments news, insurance news and more from Personal Touch Financial Services.

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Personal Touch News

Welcome to your February edition of Personal Column!

 

Remember that we’ll continue to share key new stories on our social media accounts every week!

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Is Personal Touch Conveyancer part of your 2018 plans?

 

Here are just a few of the reasons why making Personal Touch Conveyancer part of your plans will benefit your clients and your business:

  1. Service – with a personal service and online case tracking available 24/7, regular e-mail updates, and a helpdesk available 7 days a week, you and your customers will have greater control of the transaction.
  2. Additional revenue stream – Personal Touch Conveyancer pays you for every completed case.
  3. Quality – all solicitors are regulated by the Solicitors Regulation Authority and, with live feedback ratings shown for each firm, you know your customers are in safe hands.

 

But don’t just take our word for it. Anne, one of our Hub advisers, uses Personal Touch Conveyancer:

“I’ve used Personal Touch Conveyancer to help my clients; it’s a great additional service to provide for customers at no extra cost.

The system is so easy to use. Being able to filter by distance, solicitor rating and cost helped me to discuss options with clients and tailors it to their needs.

The system will only show solicitors that can go through the lender you need. You know that you’ll get a solicitor who can deal with the client’s purchase and provide the right service. The system gives you their name, contact details and firm name automatically, so you can make an instant connection with them.

I’ve been kept well informed on progress. Within five minutes I had an e-mail receipt and confirmation of the case and the same day received notification that the starter pack had been sent to my client.”

Anne Preston

Mortgage, Protection and GI Adviser

To find out more, get in touch with matthew.brown@personaltouchfs.com.

Meet the latest panel additions

 

OneFamily

We’re delighted to announce that OneFamily is the latest addition to our panel.

Who is OneFamily?

Engage Mutual and Family Investments were built on solid financial principles – giving customers products and services they could trust and rely on. These principles are the same today as they were when both companies were formed in the 1970s and 80s. Engage and Family have now merged to become OneFamily.

How can they help you?

OneFamily are passionate about families. That’s why they’ve created award-winning financial products that can help meet the demands of a modern family life.

Whether it’s for funding towards further education, buying a house, or leaving something for loved ones, their aim is to support families during life’s pivotal moments.

From children’s savings and investments to over 50s life insurance, they want to make sure your clients have every opportunity to make life better for the ones they love.

What can they offer you and your clients?

OneFamily provides a range of lump sum lifetime mortgages, with new and unique features, plus a simple service proposition. This includes:

  • Interest roll-up
  • Voluntary payment
  • Interest payment

Plus, with OneFamily, you also benefit from:

  • The option to make monthly interest payments, a more flexible arrangement of one-off voluntary payments, or no interest payments at all.
  • Choice of fixed, variable or a 2-year fixed rate.
  • Equity Release Council safeguards.

Register and log into the portal here.

 

 

Who are Kent Reliance?

At Kent Reliance, specialist mortgage cases are their bricks and mortar. They’re passionate about providing tailored solutions and proudly consider themselves as experts.

As more clients seek out specialist mortgages designed around their unique circumstances, Kent Reliance are dedicated to sharing their insights and experience. They want to help advisers feel completely at home with the specialist market’s distinct needs.

Kent Reliance is part of the OneSavings Bank plc.

 What can they do for you?

Kent Reliance know that dealing with specialist cases can be daunting. That’s why you may need the expertise of a specialist provider. They believe in the exceptional. That means providing unrivalled service and the best-quality, bespoke solutions for you and your clients.

Their products and services are built on three pillars:

  • Specialist focus – they thrive on the unconventional clients that don’t fit the criteria of mainstream lenders.
  • Flexibility – they manually underwrite every case and operate flexible lending, reviewing each case on its merits.
  • Service – you’ll benefit from an expert service and specialist underwriters. Each of their expert advisers understands the unique demands of specialist cases and has a reputation for high levels of personal service.

You can count on Kent Reliance to provide quality products at competitive rates. View their current rates for buy-to-let and residential mortgage products on the dedicated section of their website.

What specialist solutions do they offer?

They offer a range of specialist buy-to-let and residential mortgage solutions for clients with needs that do not fit a traditional category.

Common scenarios driving the rising popularity of specialist mortgage solutions include:

  • Large property portfolios – clients with a number of properties in their portfolios.
  • Homes in multiple occupation (HMOs) – loans on properties involving multiple occupants.
  • Complex income cases – clients who don’t receive a regular, reliable salary or provable income (for example, individuals with multiple sources of income).
  • Large property cases – cases where the value exceeds the lending ceiling of many mainstream providers.
  • Expats – clients who want to purchase or rent out a property while overseas.
  • Limited company lending – designed for clients who have set up an SPV for their property or portfolio.
  • Multiple units on one freehold – for clients who have converted a property to up to four units, without separating the title.

Kent Reliance also specialise in creating bespoke mortgage solutions. So, if you have a client with exceptional needs, they’ll be happy to discuss unusual, niche and tailor-made lending opportunities with you.

Visit the website for further information on products, services and lending criteria.

Finance News 

House price growth in surprise pick-up, says Nationwide

Annual house price growth picked up to 3.2% in January, according to the Nationwide building society.

The rate was higher than December’s annual rate of 2.6%. The society said January’s figure was “a little surprising” given signs of weakening consumer activity elsewhere.

It also said that mortgage approvals were at their weakest in three years in December, with 61,000 granted.

Read the full article here

SourceBBC News 1st February 2018

The article is now available to share on social media:

House price growth in surprise pick-up, says Nationwide http://bbc.in/2DP6cnf

Protection News

Bridging the Gap with Income Protection

AIG have launched their market-leading comprehensive Income Protection insurance for advisers to help you meet the growing protection needs of your customers.

Their new enhanced Income Protection is more than a financial safety net – their range of rehabilitation support services could help your customers from the moment they are unable to work due to illness or injury by providing assistance to speed their recovery and return to the workplace.

Faster – recovery with a range of early intervention support benefits

Stronger – quality features with best in class benefit

Better – choice for your customers with our menu plan

 

With their latest offering, they’re bridging the protection gap and helping to make it easier for you to do business.

Read their latest blog to see how income protection should be seen as an essential part of your client’s menu plan.

 

If you have any questions at all, just give AIG a call on 0345 600 6829.

Keep up to date with the latest at AIG Life

To find out more, visit www.aiglife.co.uk

General Insurance News

How to speak to your clients about why quality beats price

 

#QualityMattersMost

All this month, Uinsure have been raising awareness of their 2018 marketing campaign – #QualityMattersMost – helping you to understand why quality is the most important thing when it comes to insurance.

A number of you have got in touch over the last week, asking for help and guidance around how to have conversations with your clients on why quality beats price.

Here to help

We’re glad to say that we’ve listened to you, and have created a PDF sales aid to help shape the conversations you have with your clients. In this, we’ve featured 5 key areas of conversation that can help you to win the business and guarantee great quality cover for your clients.

This will be the start of a series of sales aids that we’re calling ‘keys to success’. Each month, we’ll create a new sales aid on our area of focus for the month (for example, February’s will be around Underinsurance) that you can use during discussions with your clients.

Hopefully you’ll find this to be a big help. Remember Uinsure are always on hand to assist you – if you have any other ideas on how we can help, contact marketing@uinsure.co.uk.

Source: Uinsure Newsletter January 2018

Events 

We want to thank you our members for attending Personal Touch LIVE 2018

 

We’re delighted you were able to join us for what we hope was a beneficial, informative and thought-provoking day. You can find the pictures of the event on our facebook page

It’s essential for us to be able to identify key successes and areas for improvement following events. It’s your feedback that helps us continue to deliver the best content and value for you and  to ensure we get support from our provider partners for future events.

We’d be grateful if you could take a few moments to complete a short feedback survey, it will also allow us to generate your CPD certificate for the event.

Take part in the survey here

Our Sponsors:

 

And Finally… 

Beat your overdraft charges

Do you see your overdraft as a spending limit? Actually any money you spend from one is actually borrowed cash – and that often comes with a cost.

Regularly using one is an indicator that you need help managing your money, and potentially a sign that your debts could become a problem. Plus with charges for using an overdraft often a lot more than expected, going beyond zero can often make money worries worse.

Click here to read the full article

Source: The Money Advice Service 1st February 2018

The article is now available to share on social media:

Beat your overdraft charges http://bit.ly/2E5BCWa