Monthly Archives: February 2012

Uinsure introduces No Claims Discount of up to 10% for its New BTL Customers

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Uinsure have introduced a no claims discount for their customers via their BTL product which is underwritten by UK General. 

The discount applied will pass on a saving of up to 10% to the customer’s final premium.

Uinsure’s BTL product can be quoted directly through their website (www.uinsure.co.uk) using your Uinsure log in details. Should you not be aware of your log in codes please contact Uinsure directly on 0844 844 3844.

A brief overview of the product follows below:

  • A range of protection including damage caused by storm, fire and subsidence cover for your let property
  • Buildings insurance up to £750,000
  • Landlords Contents (if required) up to £50,000
  • Loss of up to 12 months’ rent as a result of insured event (up to 20% of the sum insured on buildings and / or contents)
  • Landlords Legal Liability up to £2,000,000
  • £10,000,000 Employers’ liability cover for domestic employees
  • Breakage of Glass
  • Damage to underground services
  • Landlords Legal Protection cover
  • Legal and Tax Advice Helplines
  • 12 x Monthly premium payment option

You can extend cover to include:

  • Accidental Damage cover
  • Loss of rent to 30% of the building sum insured and / or for up to 2 years
  • Landlords legal liability cover for up to £5 million
  • Rent Arrears Indemnity cover
  • Home Emergency cover

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Aquitaine becomes latest French hot spot

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Mortgages for British buyers purchasing property in Aquitaine up by 40 per cent since last year.

While France remains a hot favourite amongst overseas property buyers, the Aquitaine region is quickly becoming the region of choice for Britons, according to Conti, the overseas mortgage specialist.

In recent years, the most popular regions have been Provence-Alpes-Côte d’Azur (PACA) and Rhône-Alpes. And while these are still a big hit with British buyers, Aquitaine is the region which has shown the most growth in interest since this time last year. Over the last few months alone, it has accounted for almost a third of Conti’s mortgage completions.

In these challenging economic times, it seems that investors are shunning the emerging property markets where we saw a flurry of activity just a few years ago, and putting their trust in the more established destinations, especially those with history of providing good rental returns. And no more so than in France, where a well-chosen investment could generate a very attractive and secure return over the long term.

The country currently accounts for 37 per cent of the mortgage enquiries Conti receives, up by 24 per cent since 2008.

Clare Nessling, Director at Conti, says: “Aquitaine has really come into its own recently. The Dordogne in particular has always been a favourite, especially as it has a long-established expat community, which is of great importance to many British buyers. But it also has a great climate, a huge range of property types, and is well served by a number of UK airports. And although it has historically carried a higher price tag, there are lots of good deals around at the moment, due to a slower market, which means that there are many motivated vendors who are willing to accept lower offers.” 

Conti says that against the volatility of the British market, French property is seen as an increasingly solid investment option over the long term. It’s also affordable. Rates currently start from just 2.09 per cent, and mortgage availability is still generally very good. And while French property hasn’t been reduced to bargain basement prices, it generally remains well under UK averages, with plenty to choose from within a budget.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Relax and Chill Out with the right cover

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As your general insurance partner, Berkeley Alexander, are always on the look out for new schemes/markets for competitive insurance that could help your clients.

Should any of your clients currently own or are purchasing a hotel, guest house, health / fitness centre or they are connected with the leisure & hospitality sectors, we can now help them find the right product with the right cover at the right price.

The new scheme arranged via our group partners, Infinity Specialist Insurance, not only provides highly competitive premiums but also market leading cover such as:

• Cover for Saunas, Solariums, Swimming Pools, Steam Rooms and Turkish Baths
• Treatment cover including massage, piercing, waxing and hairdressing
• Damage to playing surfaces
• Property Damage cover up to £10 million
• Loss of Licence
• Commercial Legal Protection

So whether your client owns a small hotel or guest house or they are a hotel/leisure industry magnet, you now have access to assist them with their insurance requirements.

If you do not want to be involved with the quotations due to complexity, time, product knowledge etc, you can always simply introduce to us and let us do the work for you, whilst still earning a generous commission level of up to 15%.

Not only can we assist on Hotels/Guest Houses but we can look to help any of your clients insurance needs for Amusement Arcades, Bingo Clubs, Indoor/Outdoor Play Centres, Casinos, Snookers Clubs / Pool Halls and even Zoos and Safari Parks!

For more information or to see how we can assist your clients, please call us on 0845 355 1166 or email info@baonline.co.uk

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Would you like to earn an income by becoming one of our area Key Account Managers?

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Would you like to earn over £3,000 per month?

o.t.e year 1 £36,000 – £45,000
o.t.e year 2 £70,000 – £90,000

If your answers are yes we have great news!

Viva Costa International (VCI) is delighted to offer a LIMITED number of Key Account Manager positions to the right people in London, Home Counties, East Anglia, Yorkshire, Midlands, Cardiff, Bristol and Edinburgh.

VCI is in the unique position of having too many leads and potential introducers to manage effectively. We have people ready to see you now!

As a Key Account Manager you would benefit from:

  • Receiving commissions from your introducers cases
  • Multiple income streams from multiple sources  
  • Full support & training
  • Complete Head Office back office team
  • The brand of an established business

If you are interested in increasing your income and feel that you are the right person please click on the link below, ring us on 08450 664444 or contact Keith Davie on 07885809591 for more information. CLICK HERE

Full CV and interview will be required.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Mortgage availability “surprisingly good” in Spain

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There is still finance on offer for buyers who are keen to own a property in Spain.

Operations director at Conti, an overseas mortgage specialist, Clare Nessling told Mortgage Introducer that the availability of home loans in the nation is “surprisingly good, despite the negative reports about its property market”.

She explained the maximum loan-to-value still sits between 65 per cent and 70 per cent, but noted this can be higher in regions where the real estate market is considered to be more resilient, such as the Canary Islands and Madrid.

Ms Nessling also pointed out that Spain remains a popular target among overseas property buyers thanks to its accessibility and strong rental potential.

Last month, sales and marketing manager at Taylor Wimpey de Espana Marc Pritchard highlighted Spain’s enduring appeal among holidaymakers, noting a predicted influx of tourists in 2012 is good news for the country’s real estate industry.

He singled out Alicante as one area to watch, thanks to the growing number of airlines flying into and out of its airport.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Get Paid For Less Work!

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With workloads ever growing, revision for exams and the extensive compliance requirements for mortgage applications, don’t ignore the general insurance opportunity due to a lack of time.

If you do not have the time to sell household or ASU/MPPI to your clients, let Berkeley Alexander take the strain of the general insurance sales process, compliance and paperwork and ‘introduce’ your general and commercial insurance to us.

Not only will you get the benefit of earning lifetime commission on the sales, but as you’re introducing the client to us, we’ll take responsibility for all of the fact-finding, compliance and administration work involved.

With introduced commissions levels of up to 20%, you can introduce all forms of insurance to us including:

* Home Insurance
* Property Owners
* ASU/MPPI
* Commercial Insurance

and much more

We pay lifetime commissions and no minimum business levels required.

Simply log onto www.baonline.co.uk, click on ‘Introduce a Client’, and take 60 seconds to provide us with your client’s details. We’ll then call them, provide quotes, and keep you posted by email.

Don’t have any agency? Click here to complete our simple online registration.

So start introducing to us today and let Berkeley Alexander take the strain!

For more information please contact our main office on 0845 355 1166 or email info@baonline.co.uk

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Sun, sea and mortgages

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Bargain property prices and historically low interest rates are putting Brits ahead in the overseas property race, says Conti’s operations director Clare Nessling.

With the endless stream of doom and gloom stories about the economic downturn, you could be forgiven for thinking that the nation’s dreams of owning a property abroad have totally dried up.

Not so. Despite the UK property slump and the struggling pound, the overseas property market is alive and well for British investors, and it appears that more and more of us are seeking a little slice of life overseas.

According to a recent Mintel Research report, one in three Brits is now contemplating emigration.

And a quarter of us are considering investing in a holiday home, according to the recent Holiday Lettings’ Insights Report, with Spain being the second most popular location being enquired about by prospective holiday let buyers, after the UK.

There have also been reports about how the eurozone debt crisis is scuppering UK buyers’ hopes of securing an overseas mortgage.

But bargain prices and low interest rates mean that buying property abroad may never have been more affordable.

So just how easy or difficult is it to finance the purchase of a foreign home?

The answer may be more positive than you expect, but just how easy it is does depend on where your clients want to buy.

The most popular destinations amongst our clients are still France and Spain, both of which come with easy access and good rental opportunities.

Enquiries for both locations have increased considerably over the last three years, as investors continue to stick to locations they know and trust.

Turkey and Portugal are still popular too, while interest in Australia has also been creeping up recently.

Click here to view the full article.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Ingard – Pulse Newsletter – January 2012

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Happy New Year and welcome to 2012!

The end of the year brought the publication from the FSA of the Final Consultation Paper for the Mortgage Market Review. David’s article this month gives you the key points of the 585 pages and gives Industry opinion on how this will affect us all.

From a Company perspective November and December were record months for case numbers and despite only being a 3 week month December matched November. This shows we are all busier and should mean a good start to the year.

Click here to view the newsletter.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Uinsure appoints AXA to B&C panel

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Uinsure, the general insurance provider, has appointed AXA Personal Lines to its Buildings and Contents panel. This appointment by Uinsure will ensure that our panel of insurers will offer a significant competitive choice for IFAs, mortgage advisers, and customers.

Uinsure has a competitive panel of leading general insurance providers which provides great choice, great products and a quick and simple documentation process. Uinsure offers the unique combination of: a common policy wording for Building & Contents insurance, a simple and easy to use system, the most comprehensive compliance trail and a wide range of insurance partners.

Click here to view the full article.

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here

Increase your income in 2012 – find out more in Belfast or at any of our forthcoming events

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VCI invites you to our taster session in Belfast on the 13th February at the Encore Hotel, buffet lunch provided. Our events are designed for agents who wish to learn more about the non-regulated products and services that we offer and to show how you can increase your income in 2012.  

·  NO licenses needed
·  FULL support provided by local key account managers
·  SEE the high quality products available
·  TALK to the experts

As always spaces are going fast so please let me know as soon as possible if you would like to attend.               

BOOK YOUR PLACE NOW BY CALLING ROS MARTLEW ON 08450 664444 OR click here

Mike Raybone
Chartered Marketer and emarketing specialist

Join the Mortgage Brain Linkedin group… click here