Your Experts team are available to help place your cases. Get in touch at


This is an exciting addition to our interaction calendar. A series of Vodcasts will brought to you and our brokers throughout the year providing insight into not only different parts of the proposition and our various provider and lender partners, but also a better understanding of own PRIMIS team – with a few laughs along the way!

Vodcast #1 – Aviva

We’re delighted to share our vodcast with you. Hear the lion ROAR!

This month we focus on Private Medical Insurance (PMI) with Aviva Health’s Field Training Consultant, Amanda Stevens. Our conversation covers:

  • An overview of PMI and its importance
  • The impact of coronavirus on the NHS
  • What Aviva Health do to support mental health
  • How PMI has evolved and its pricing

Vodcast #2 – CURA

We’re delighted to share our vodcast with you. Hear the lion ROAR!

This month we focus on instances where you may struggle to place protection policies for your clients. We spoke to the recent ‘Intermediary of the Year – Individual Achievement’ COVER awards winner, Alan Knowles, who is Managing Director of CURA Financial Services.


Our conversation covers:

  • Alan’s background: moving from being a protection adviser to the MD of CURA Financial Services
  • The reasons why Alan, and his wife, Katherine, set up CURA Financial Services
  • The types of clients they can help with protection cover when direct providers cannot
  • Nothing is too extreme to be considered – no matter what it is, it is always worth a try!
  • When and how you can refer business to CURA


We create original blog posts on industry hot topics to keep you up-to-date on key issues.


View the blog here.

Help-to-Buy England

View the blog here.

IR35 Changes

View the blog here.


Every other month we give you updates on what’s going on in the team, and your proposition, so you can take care of your clients.

October 2021 Edition

View a copy here.

August 2021 Edition

View a copy here.

June 2021 Edition

View a copy here.

April 2021 Edition

View a copy here.

March 2021 Edition

View a copy here.


AMI Updates

Get the latest updates here.

FCA Finalised Guidance for Insurance Customers in Covid Related Payment Difficulties

Find out more here.

FCA Regulation Round-up

Access the communication here.


Help-to-Buy Scheme

Read more on the HMRC website here.

Local Authority Searches

SearchFlow have updated their search tracker. Access it here.

End of Payment Holidays

Read more about the expiry date of payment holidays and what they could mean for your clients here.

Government Support for Businesses

Read the government’s guidance here.

Managing your business in the current climate

Read tips from Regional Sales Directors (RSDs) here.



Lender Service Level Updates

View the PRIMIS summary here.

View the Mortgage Brain summary here.

View the personal searches turnaround times summary here.

Individual Updates

Accord Mortgages Updates

Accord are removing their BTL minimum income requirements – 22/11/2021

Applies to Accord BTL

You’ve heard Accord talk about their common-sense approach to lending and how they consider each case on its own merits, so it made no sense that they still ask all landlords to have a minimum earned income. So, from Wednesday 24th November 2021, Accord removing their BTL minimum income requirements.

What’s changing?

The removal of our minimum income requirements

To help more landlords, including those who would normally meet Accord’s lending criteria and risk profile but wouldn’t meet their minimum income requirements, Accord will no longer be asking for a minimum income of £25k.

Minimum income requirement of £50k still applies to top slicing applications.

Affordability will still be based on the existing rental thresholds

In addition, if you have a landlord client who’s also a first-time buyer, rather than just ‘computer says no’ Accords’ underwriters will have the flexibility to review each case on its merits and give your broker a lending decision based on good old common sense. Accords’ criteria will stay the same, but if your broker has a landlord client who’s also a first-time buyer they can contact their Business Development Manager, because Accord might just be able to help.

To see all Accords’ buy to let criteria, click here.

When is this changing?

These changes will be live from 8am on Wednesday 24th November.

Aldermore Updates

Find out more here.

Atom Bank Updates

We’re changing our mortgage products – 08/11/2021

Find out more here.

Intermediary Website

Find out more here.

Bank of Ireland and Post Office Updates

Visit the Bank of Ireland website here.

Access the Post Office website here.

Barclays Updates

The Barclays Advent Countdown – 26/11/21

The holiday season is a time for giving and, here at Barclays Mortgages, we are entering into the spirit of things by announcing our very own advent countdown which sees us giving away some sweet, sweet treats from an extremely special source.


And the countdown is just around the corner.


Every working day in December will see a question testing your knowledge of Barclays products and policy hit your inbox. All correct responses will be pooled together and then 5 winners will be selected from eligible entrants via a verifiably random computer process.


Each winner will receive a box of luxury chocolates from Harry Specter.


Harry Specter is an award-winning chocolatier who supports positive social change though the creation of employment opportunities for people with autism and involving them in every aspect of the business – from making and packaging the products to administration, design and photography.


The Barclays advent countdown kicks off on Wednesday, 1st December, so keep your eye out for our email as this will include the first question and confirm all the details in full.


In the meantime, why not get ahead of the competition and brush up on our lending policy and product ranges by simply clicking here

Intermediary Website

Visit the Barclays website here.

Beverley Building Society Updates

Visit the website here.

Bluestone Mortgages Updates

Visit the website here.

The Cambridge Building Society Updates

Find out more here.

The Co-operative Bank Updates

Find out more here.

The Coventry Updates

Find out more here.

Equity Release Council Updates

Read the full statement here.

Fleet Mortgages Updates

Find out more here.

Foundation Home Loans Updates

Find out more here.

Furness Building Society Updates

Find out more here.

Hanley Economic Updates

Find out more here.

HSBC Updates

Changes to our BTL mortgage products – 26/11/21

With effect from Monday 29th November, we’ll be making the following change to our

BTL remortgage product range:

  • 2 Year Fixed Standard at 60% and 65% LTV increased

Please note, there are no changes to any of our other ranges or fixed rate end dates.

Full applications must be completed by midnight on Friday 26th November 2021, in order to secure a product(s) from our current BTL range.

All evidential and supporting documentation must be provided within 21 days of submission.

Ipswich Building Society Updates

Find out more here.

Kent Reliance Updates

Find out more here.

Kensington Updates

Find out more here.

Keystone Updates

Find out more here.

Key Partnership Updates

Q3 Market Monitor – 26/11/21

Find out more here.

Intermediary Website

Find out more here.

Knowledge Bank Updates

Access the website and register to use this tool here.

Leeds Building Society Updates

We’ve re-entered the HMO market – 05/11/21

Here at Leeds Building Society we understand that a “one size fits all” approach isn’t always best. That’s why we’ve decided to re-enter the Houses in Multiple Occupation (HMO) market, once again providing mortgages for both small and large HMOs. Using specialist valuers and underwriters we provide a service that’s tailor-made for both. Find out more: new-lending-range-B or follow us on LinkedIn to stay up to date all our changes

Intermediary Website

Find out more here.

Lloyds Banking Group Updates

Visit the Halifax website here.

Visit the BM Solutions website here.

LV= Equity Release Updates

Find out more here.

The Melton Building Society Updates

Find out more here.

Metro Bank Updates

Find out more here.

More2Life Updates

Find out more here.

The Mortgage Lender Updates

Find out more here.

Nationwide and The Mortgage Works Updates

Rate Change – 25/11/21

Read more here.

Introducing £400 cashback Remortgage products – 25/11/21

Read more here.

Natwest Updates

Rate Changes – 03/11/2021

Find out more here.

Intermediary Website

View the latest news here.

Newbury Building Society Updates

Find out more here.

Newcastle Building Society Updates

Newcastle Intermediaries Enhancing Its Deposit Unlock Proposition – 21/10/21

We have enhanced our Deposit Unlock proposition to further support borrowers purchasing a new build home using this scheme, with effect from tomorrow Friday 22nd October 2021.

As the original lender to join the scheme, we have now reduced rates across both our two and five year products, with market leading rates now starting at 2.79%! We have also increased the maximum purchase price, allowing borrowers to secure a new build home up to the value of £600,000 with a deposit of just 5%.

Our Deposit Unlock mortgage proposition

  • Reduced rates on 2 and 5 year fixed rate products
  • Available up to 95% LTV
  • Increased maximum purchase price to £600,000
  • No product fees
  • Free standard valuation and £500 cashback

Full product details will be found on upon launch.

The existing products will therefore be withdrawn from close of business today Thursday 21st October.  No further DIP’s will be permitted however; any existing illustrations will be honoured until close of business Tuesday 26th October 2021.

Important Information – Refresh of 85% & 90% LTV Products – 21/10/21

Newcastle Intermediaries will be refreshing its range of 85% & 90% LTV residential mortgage products with effect from tomorrow Friday 22nd October 2021.

The product range includes the following highlights;

  • Available for both house purchase and re-mortgages;
  • Competitive range of 2 and 5 year products available;
  • Choice of fee assisted products including a free standard valuation and £500 cashback on selected products;
  • Removal of upfront reservation fees;
  • 10% overpayment facilities across all products, which supports your clients who require the flexibility to make lump sum overpayments. This is in addition to the £499 regular monthly overpayments already permitted;

The existing product range will be therefore be withdrawn by close of business today, however any existing illustrations will be honoured until close of play Tuesday 26th October 2021.

Full product details will be found on upon launch.

Newcastle Intermediaries Enhancing Its Large Loan Proposition – 21/10/21

I am pleased to confirm that Newcastle Intermediaries will be enhancing its Large Loan proposition, designed to support your higher earning professional clients, with effect from tomorrow, Friday 22nd October 2021.

The enhancements will include;

  • The addition of two and five year fixed rate products available up to 80% LTV which will complement the existing discounted variable rate products in the range;
  • Rate reductions across selected discounted products;
  • Reduction in completion fees and the removal of upfront reservation fees.  

Key Features & Service Highlights:

  • Dedicated service with direct underwriter access
  • Loans from £500k – £1m at 80% LTV
  • Loans from £1m – £1.5m at 75% LTV
  • Loans from £1.5m – £2m at 65% LTV
  • Enhanced income multiples up to 5.5x
  • Acceptance of up to 100% bonus/commission (subject to underwriter discretion)
  • Interest Only loans available up to 75% LTV or 80% on a part Capital & Repayment basis

Full product details will be found on upon launch however if you need any specific details in the meantime please let me know.

The Nottingham Updates

Find out more here.

One Family Updates

Find out how One Family are providing support here.

Paragon Updates

Find out more here.

Paymentshield Updates

Find out more here.

Precise Mortgages Updates

Set your self-employed clients up for success – 12/11/21

As we take more steps towards returning to a pre-pandemic economy, it raises many questions about the employment market. How many people have chosen to set out on their own, gone freelance, or set up their own business?

The self-employed have been particularly hard-hit by the events of the last 18 months, meaning they could find it more difficult to get the finance they require. In fact, between 30 November and 31 December 2020, HMRC received 1.9 million claims for the government’s Self-Employment Income Support Scheme (SEISS). That’s out of a possible 3.4 million eligible applications, with claims totalling £5.4 billion – the average being £2,800 per individual2.

They therefore need a lender that understands the complexities involved with non-standard income.

That’s where Kent Reliance for Intermediaries could help. We believe criteria is only the starting point of a conversation, so even if a case seems too challenging or complex, our flexible underwriting and individual case assessments could provide the support you and your clients need.

We may even consider 2019/20 pre-covid self-employed trading accounts if current statements are in line with past earnings.

If you have any questions about our buy to let and residential criteria, or want to know how else we could support you and your clients, please speak to your business development manager.

Alternatively, you can call our brokers liaison team on 01634 888276, or contact them via Live Chat.

Principality Updates

Find out more here.

Progressive Building Society Updates

New Mortgage Package – 15/11/21

Our revised mortgage package will take effect from 11th November 2021.   

You will note the main changes are as follows:

  • 2 year variable rates for House Purchase at 85% and 90% LTV improved
  • 2 year variable green mortgage improved and further green product introduced at 90% LTV
  • Selected 2 year fixed rates for House Purchase improved
  • 2 year variable rates for Remortgage at 85% TV improved
  • Selected 2 year fixed rates for Remortgage improved
  • 2 year fixed and variable rates for Renovation Remortgage improved
  • Self-build products amended (2 year products also removed)
  • Foreign Currency products improved and further products introduced for house purchase and remortgage
  • Floored rate introduced to selected variable products

Santander Updates

Introducer Internet Downtime – 10/11/21

Introducer Internet won’t be available from 9pm on Saturday 13 November until 6am on Monday 15 November.

Your brokers won’t be able to submit cases during this time. We’re sorry for any inconvenience caused.

Working with you…Check before you submit – 21/10/21

Click here to read the communication.

Skipton Updates

Skipton Talks Live webinar this Thursday – 08/11/2021

Spotlight on the lender

What could lenders do better? We’re turning the tables at our next webinar and asking you what you really want from a lender. Register your place below.

Webinar details

The voice of the broker. What should lenders be doing?

Thursday 11 November, 9:30am – 10:00am.

We’re joined by Dan Maskell, Director at The Finance Planning Group, for a one-off session where we’ll be discussing what lenders could do to support intermediaries. Plus, we’ll welcome your feedback too!

Sign up, today

About Dan

Dan has over 25 years’ experience in financial services, and is Director at The Finance Planning Group. He’s also on the board of the Association of Mortgage Intermediaries (AMI), who represent, promote and support mortgage intermediaries.

See the full list of autumn/winter webinars at Skipton Talks – the place for webinars, blogs and insight for the intermediary community.

If you have any questions, please speak to your local BDM.

Teachers Building Society Updates

Find out more here.

Together Updates

Find out more here.

TSB Updates

We’re increasing maximum LTV on new build properties – 16/11/2021

TSB has increased maximum LTV for new build Residential and Buy to Let products from 16 November.

Maximum LTV for new build flats and maisonettes is now aligned to maximum LTV for new build houses and bungalows at 85% LTV.  Maximum LTV on new build second homes, new build holiday homes and new build Buy to Let properties has also increased from 65% to 75%.

Maximum LTV is subject to credit score and the actual LTV offered may vary.

Here’s a summary of the changes

Previous Max LTV New Max LTV Change
New Build Flats & Maisonettes 80% 85% +5%
New Build Buy To Let 65% 75% +10%
New Build Second Homes & Holiday Homes 65% 75% +10%
New Build Houses & Bungalows 85% 85% N/A

To find out more about TSB’s lending criteria visit the website.

TSB is helping First Time Buyers and Homemovers by offering lower rates on new build properties for Help to Buy, Shared Equity and Shared Ownership mortgages.  See the latest product guide for more information.

West Brom Updates

Product Update – 22/11/21

Tomorrow, Tuesday 23 November, we will be revising rates on our Shared Equity (Help to Buy) purchase and remortgage ranges as well as extending end dates to February 2024 and 2027.


Following broker feedback, we are renaming our Modified Affordability range to Mortgage Prisoner range. We are also revising our Mortgage Prisoner range rates and extending end dates to February 2024.


All products listed revert to our WBBS SVR (currently 3.99% variable) for the term.


Withdrawn Products


The following products will be withdrawn at COB tonight, Monday 22nd November;


Withdrawn Product Name Withdrawn Product Code LTV Borrower Type
2 Year Fixed Rate
1.84% fixed until 31/12/2023
17685 75% Remortgage
2 Year Fixed Rate
2.24% fixed until 31/12/2023
17686 80% Remortgage
2 Year Fixed Rate
2.79% fixed until 31/12/2023
17687 85% Remortgage


Withdrawn Product Name Withdrawn Product Code LTV Borrower Type
2 Year Fixed Rate
2.79% fixed until 31/12/2023
17741 75% Purchase/Mover
2 Year Fixed Rate
2.24% fixed until 31/12/2023
17742 75% Remortgage
5 Year Fixed Rate
2.99% fixed until 31/12/2026
17743 75% Purchase/Mover

Vida Updates

Find out more here.

The Vernon Building Society Updates

Find out more here.

United Trust Bank Updates

Broker News Alert – 02/11/2021

We are pleased to confirm the following changes from UTB Mortgages for Intermediaries:

Return to Normal…No Restricted Industries
We have returned to lending across all industries that were restricted during the pandemic, this includes those working within the following:

  • Retail, Entertainment, Leisure and Tourism Industries

Standard income referencing applies to both employed and self-employed applicants working within these industries, up to our maximum 85% LTV across all our Residential Mortgage and Second Charge Loan products.

Return to Normal… 0-24hr SLAs
As many of our Introducers are already aware from recent experience, we have now returned to our normal 0-24hr SLA for both new Full Mortgage Applications, and Post on existing cases.

I’d like to thank you for your patience previously, and can confirm that we have worked hard to recruit and materially expand our Underwriting team. This, alongside new digital enhancements in our process, will allow us to maintain our commitment to a 0-24hr SLA moving forwards.

For new case enquiries, please contact your Broker Relationship or Key Accounts Manager directly on 020 7031 1551,  or email  For updates on cases already submitted to us please call 020 7031 1552, or upload existing documents through the mortgage portal at

Intermediary Website

Find out more here.

Virgin Money and Clydesdale Intermediaries Updates

Visit the Virgin Money website here.

Visit the Clydesdale website here.

West One Updates

Exclusive Product – 14/10/21

We are delighted to announce that today West One have launched a PRIMIS exclusive Holiday Let product! As the latest addition to the PRIMIS lending panel we have been working closely with West One to create this product, this 5 year product only carries early repayment charges for the first three years. The maximum loan size is £1,000,000 and up to 65% LTV has a rate of 3.54% and up to 70% is 3.74%.

Key points to remember about West One

They will accept First time landlords as long as they own their main residence.

West One Offer a Flexible approach for portfolio landlords.

West One do not credit score – underwriting based on credit assessment.

No additional interest rate loading for limited company applications.

Specialist underwriting on all applications.

For further information on this fantastic exclusive visit the experts page or contact the experts team @

Yorkshire Building Society Updates

Find out more here.



Protection Guru Updates

Click here for a summary of insurers’ statements regarding Covid-19.

Income Protection Task Force (IPTF) Updates

Find out more here.

Individual Updates

Aegon Updates

Find out more here.

AIG Updates

Find out more here.

Aviva Updates

Find out more here.

AXA PPP Healthcare Updates

Relevant only to FC and PTFS brokers.

Access AXA’s dedicated webpage to COVID-19 here.

British Friendly Updates

Find out more here.

Cirencester Friendly Updates

Find out more here.

Guardian Updates

Find out more here.

Holloway Friendly Updates

Find out more here.

Legal & General Updates

GI Contacts – 21/10/21

Scott McLoughlin, GI Account Manager, is now on paternity leave.  Should you need assistance during this time please contact: – 07384452370 – 07392121781

Alternativity, you can send your emails to where the team will be able to assist with policy queries, system issues, policy amends etc.

Adviser centre – Legal & General – SmartQuote – now live (

Learning & Development hub – Learning and Development Hub | Legal & General (

LifeQuote Updates

Underwriting Limits – 14/10/2021

Access the latest underwriting limits here.

LV= Protection Updates

Find out more here.

Royal London Updates

Scheduled system downtime – 05/10/2021

We need to carry out some maintenance to our Protection On Line Service on Saturday 9th October commencing 7am through to 10pm on 10th October.

We also need to carry out some maintenance to our Pensions and Protection On Line Service website on Sunday 17 October. 

Please note that online service will be unavailable all day from 5am to 10pm approx.

Scottish Widows Updates

Find out more here.

Vitality Updates

Vitality bolsters portfolio of partners to help people lead healthier lives – 24/11/21

Vitality has today announced the addition of a number of new partners and a series of enhancements to its unique Vitality Programme, which rewards members for making better life choices and taking steps to be healthier.

The new partners include best-in-class brands Peloton, Mindful Chef and PureGym, all of which will offer a range of offers or discounts to Vitality members.

Peloton: Vitality members will be able to earn up to 40% cashback on the Peloton Bike and other Peloton Connected Fitness products, the Bike+ and Tread. Cashback will be linked to the number of Peloton workout days they record on a monthly basis*.

Mindful Chef: Vitality members who earn a set amount of activity points from being more active will benefit from up to £10 off each week on anything on the Mindful Chef website, from healthy recipe boxes to its Prepared Range, which includes healthy ready meals, award-winning smoothies, gut-healthy breakfasts, soups, broths and desserts**.

PureGym: Vitality members can get up to 50% discount on membership with PureGym and their network of nearly 300 gyms***.

Vitality has additionally made some changes to its existing programme, with members now able to choose an Innocent smoothie as an alternative option to the weekly coffee offering at Caffè Nero and extended the gym offering to cover all Nuffield Health gyms, regardless of location, plus increased the gym discount available to VitalityLife Plus members, from 40% to 50%.

Neville Koopowitz, CEO at Vitality, said: “Sharing the benefits of healthy living is at the centre of what we do, and our research shows that incentives are a positive force for change when it comes to influencing behaviour and motivating people to make healthier choices and become more active.

“Over the years, we have strived to constantly evolve the Vitality Programme to meet the needs of our members and the changing world. We are pleased to be extending and further developing our partnership with Peloton, as well as welcoming Mindful Chef and PureGym to our programme.

“These new partnerships further bring to life our shared-value approach to insurance by delivering more value to our members, whilst also benefiting advisers, us as the insurer and creating a healthier society overall.”

Speaking on their partnership with Vitality:

Cassidy Rouse, Global GM, Corporate Wellness at Peloton, said: “Vitality and Peloton share the same mission, which is to help people live healthier lives. Thousands of Vitality members have already enjoyed access to our best-in-class fitness and wellness content on the Peloton App and we’re excited to extend our partnership, making it easier for Vitality members to enjoy Peloton’s world-class at-home Connected Fitness products.”

Myles Hopper, Co-Founder of Mindful Chef, said: “We started Mindful Chef with one mission – to make healthy eating easy and everything we do revolves around this mission. From the suppliers & partners we work with to the ingredients we source and use in our recipes. We’re delighted to partner with Vitality who share our values in helping people live healthier lifestyles.”

Rebecca Passmore, UK Managing Director at PureGym, said: “We are thrilled to be partnering with Vitality and bringing our low-cost, great quality gym offering to a new audience. The global health crisis has bought into perspective just how important it is to prioritise your physical and mental wellbeing. The accessible price point and the scale of our gym network will enable more Vitality members than ever before to start working out, earning points and getting rewarded.”

The addition of these offers and partners will further empower and incentivise Vitality members to take an active role in managing their own wellness and getting more active, which will support Vitality in delivery of its core purpose, to help make people healthier and enhance and protect their lives.

Today’s announcement also reaffirms Vitality’s unique Shared Value insurance model which uses the power of incentives, data and behavioural economics to make people healthier, creating value for the individuals, advisers, us as the insurer, alongside benefitting wider society.

Intermediary Website

Find out more here.

Zurich Updates

Find out more here.

Private Medical Insurance

Aviva Updates

Find out more here.

General and Medical Updates

Find out more here.

Healthshield Updates

Visit the COVID-19 resource Hub here.

General Insurance

Halifax General Insurance Updates

Find out more here.

First2Protect Updates

Find out more here.