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53% of lenders want networks to support specialist distribution channels

53 percent of lenders want networks to support specialist distribution channels

More than half of the UK’s specialist lenders want mortgage networks to work more closely with specialist distribution firms, according to the latest research from Vantage Finance.

Vantage Finance revealed in its most recent Vantage Point report that 53% of specialist lenders stated that specialist distributors and master brokers provided the best quality deals with the highest rate of conversion.

Some 35% of lenders claimed that mortgage brokers provided the best deals.

However, 29% of lenders said they did not see a difference in quality in deal packaging between specialists and mainstream brokers, while 71% preferred to work with intermediaries who deal with complex cases every day.

Lucy Hodge, managing director of Vantage Finance, said: “What was once a pretty straightforward process of getting a loan has become multi-faceted and complicated for many people in the UK.

“The mortgage market is increasingly split into various niches that each have their own specialist providers and brokers.

“Buy-to-let, for example, is breaking into sub-markets: consumer buy-to-let, private resi buy-to-let, limited company buy-to-let, multi-unit let, semi-commercial and commercial buy-to-let.

“It’s increasingly difficult for anyone to keep [up] with all of the nuances [of] each sub-division of the market – that’s where specialists can really add value for brokers who have to offer clients as broad a service as possible.”

The Vantage Point report surveyed 21 specialist lenders operating in the short-term, complex buy-to-let, development and commercial mortgage sectors.

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