Poll
The Lending Wizard: What to ask your client
Traditionally, there has been reluctance from many brokers to look at secured lending as a viable alternative to re-mortgage products. Intermediaries have cited a number of reasons, including nervousness around the compliance implications of secured lending products, right up to a lack of understanding of secured lending altogether.
However, in recent years at The Lending Wizard and in the wider industry we have seen these concerns slowly diminish, and rightly so. The challenge that remains is to ensure that intermediaries are able to put themselves in the best position from which to offer the most appropriate product to borrowers, whether that be a mortgage, re-mortgage or secured loan.
- Does the customer understand the product and solution that has been recommended?
- What, if any, are the risks?
- Is a re-mortgage the best value option if it sacrifices a great fixed rate mortgage deal?
- In the case of second charge loans, does the customer understand why a traditional re-mortgage product hasn’t been re-used?
- Is the customer interested in lengthier, more flexible payment terms?
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