MBE MANCHESTER SEMINAR PROGRAMME 2022
On 22nd March, Mortgage Business Expo hosted two seminar streams.
Stream 1 - MBE sessions earning up to 2.5 CPD hours
Stream 2 - the FIBA Annual Conference (do not qualify for CPD)
Delegates participating in the accredited Mortgage Business Expo can claim up to 2.5 CPD hours towards the CII / Personal Finance Society member CPD scheme
*excluding breaks/ networking/registration which are not eligible.
KEYNOTE: YING TAN
Ying Tan is the Non Executive Chairman of Knowledge Bank, a multi-award winning mortgage criteria search system. Set up in 2017, Knowledge Bank quickly established itself as a leader in technology and innovation. Ying joined the board at the latter part of 2021, to help formulate the strategy and develop the vision. Knowledge Bank has innovated a system transforming the way that mortgage brokers search for criteria. The platform pulls together real time criteria from more than 250 lenders across 7 different lending types, whilst utilising AI and machine learning providing deep insights to lenders.
Prior to his current role, Ying is the founder and former CEO of Dynamo, one of the largest mortgage brokers in the UK. Ying successfully exited Dynamo after 15 years to an established blue chip business. He bootstrapped from one person to 200 strong, scaling the business to over £15m turnover with a market leading brand, strong culture and fintech focus. He has been instrumental in helping distribution and launching many lenders to the mortgage industry.
A qualified accountant and former investment banker at Goldman Sachs, he has won in excess of 50 industry awards, both personally and for his business; most recently winning Mortgage Strategy's prestigious "Best Mortgage Personality" and Mortgage Introducers respected "Mortgage Entrepreneur of the Year" awards.
Most importantly Ying is a family man, raising his 5 children in Berkshire, with his wife Samantha. He is also an avid Liverpool fan and has his hopes set on another league title this year!
MBE 2022 MANCHESTER SEMINAR PROGRAMME
10.00 - 10.15 Chair's Introduction
- Damien Druce, Director, Black & White Bridging
10.15 - 10.45 Start, Scale, Sell
Mortgage industry success story and serial entrepreneur Ying Tan talks delegates through his journey in the market. Tan is the founder and former CEO of Dynamo, one of the largest mortgage brokers in the UK. Having bootstrapped the firm from one person to 200 strong, he scaled the business to over £15m turnover with a market leading brand, strong culture and fintech focus before successfully exiting last year. He’ll be giving his take on starting, scaling and selling a mortgage business in an ever-changing mortgage space.- Ying Tan
11.00 - 11.30 Specialist Residential Panel Debate - serving the underserved
Our panel looks at the role of brokers and lenders in serving clients with complex credit – a potential new income sources for many brokers.- Paul Adams, Sales Director, Pepper Money
- Mark Hollands, Head of Sales & Distribution, Bluestone Mortgages
- Phill Pinson, Business Development Manager North West, Kensington Mortgages
- Maeve Ward, Commercial Director, Central Trust
11.45 - 12.15 Is 2022 the year of the BTL remortgage?
Keystone Property Finance are specialists in complex buy to let mortgages who can lend to landlords borrowing personally and through a variety of different corporate structures such as LLPs, SPVs and Trading Limited companies. They have established themselves as one of the go-to lenders for brokers who have complex landlord clients. Phil Riches, Sales and Marketing Director, will be explaining why 2022 is a crucial time for your clients to consider to remortgage or choose a product transfer offering.- Phil Riches, Sales & Marketing Director, Keystone Property Finance
12.30 - 13.00 Technology Challenge : Adapt or Die
The market is evolving at an unprecedented pace, accelerated by changes in consumer demand, increased competition and advancements in technology. With more businesses adopting digital solutions to maintain a competitive edge, can businesses in the mortgage sector really survive without technology?- Pradeep Raman, Director of Digital, finova
14.00 - 14.30 Buy to let panel debate
As demand for complex buy to let continues unabated our panel looks at the EPC impact and the challenge facing lenders, landlords and the rest of the industry.- Liam Rogan, Head of Scaled Partnerships, GetGround
- Liz Syms, CEO, Connect for Intermediaries
- Stephen Todd, Chief Commercial Officer & Co-Founder, VAS Group
- Andy Valvona, National Account Manager, CHL Mortgages
- James Young, National Key Account Manager, Aldermore Bank
14.30 - 14.45 Chair's Closing Remarks
BY THE END OF THE MBE SEMINARS DELEGATES WILL BE ABLE TO MEET THE FOLLOWING LEARNING OBJECTIVES:
- Explain why 2022 is a crucial time for clients to consider to remortgage or choose a product transfer offering. (Is 2022 the year of the BTL remortgage?)
- Explain how technology, new legislation and online advice can help the market to adapt (We'll also be looking at how technology and new legislation and the spectrum of online advice can help the market)
- Describe how specialist residential finance can make an impact on revenue sources for brokers (We will learn how the role of the broker in helping clients with complex credit)
- Define how to upscale your business (We'll be looking at starting, scaling and selling a mortgage business in an ever-changing mortgage space)
- Describe how EPC will impact, and the challenges it presents for the Buy-to-Let industry (We will look at the immpact and the challenge facing lenders, landlords and the rest of the industry)
FIBA ANNUAL CONFERENCE 2022
UK Specialist Property Finance Conference
10.40 Welcome and Opening Remarks
- Adam Tyler - Executive Chairman of FIBA
10.45 Bridging and Development Finance Seminar
1. It is reported that there are now record numbers of empty retail units in our High Streets, both in Town Centres and City Centres. Specialist Property finance has a real role in supporting the future growth of our economy. How can we utilise these buildings and where will the catalyst come from to stimulate change of use? How do we as an Industry make the most of this over the next few years.
2. Lending in the commercial investment space also remains a challenge right now. What is your view on the current state of the commercial term finance market, not only the ability to obtain finance and subsequently the correct exit for a Bridge? Also, have you seen an increase in re-bridging over the last few years? What’s your view on the growth of this part of the market?
3. Market demand and the increased housing need remains the same and matching finance and stock together is important. How are you assessing the residential development finance market at the moment not only the ability to obtain finance, but also the number of lenders in the market, the cost and the expected exit strategy for the Developer?
4. Since 2009, there has been a tremendous growth in the number of short-term lenders in the UK, has this helped the market grow and is there still space for more? We have all been party to helping oversee this expansion but can more be done to increase accessibility and visibility for the wider intermediary community.
5. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the specialist property market. How do you think the next few years will be for the market, both commercial and residential?
- Moderator: Adam Tyler, Executive Chairman, FIBA
- Imogen Williams – Market Financial Solutions
- Scott Marshall – Roma Finance
- Phil Quinn – Together Money
- Josh Levy - Ultimate Finance
1. It is reported that there are now record numbers of empty retail units in our High Streets, both in Town Centres and City Centres. Specialist Property finance has a real role in supporting the future growth of our economy. How can we utilise these buildings and where will the catalyst come from to stimulate change of use? How do we as an Industry make the most of this over the next few years.
2. Lending in the commercial investment space also remains a challenge right now. What is your view on the current state of the commercial term finance market, not only the ability to obtain finance and subsequently the correct exit for a Bridge? Also, have you seen an increase in re-bridging over the last few years? What’s your view on the growth of this part of the market?
3. Market demand and the increased housing need remains the same and matching finance and stock together is important. How are you assessing the residential development finance market at the moment not only the ability to obtain finance, but also the number of lenders in the market, the cost and the expected exit strategy for the Developer?
4. Since 2009, there has been a tremendous growth in the number of short-term lenders in the UK, has this helped the market grow and is there still space for more? We have all been party to helping oversee this expansion but can more be done to increase accessibility and visibility for the wider intermediary community.
5. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the specialist property market. How do you think the next few years will be for the market, both commercial and residential?
11.45 Specialist Buy to Let Mortgages Seminar
1. The Buy to Let Industry has seen many changes in recent years in many areas. Has this been good for the broker community? What effect has this additional burden had on landlords, as it has sometimes been called, and what effect has this really had on the lending market, both for the portfolio landlord and the small players?
2. There has been a lot of training and communication within the Buy to Let Industry, but the question is - do we feel that there is enough knowledge within the broker community? Have we reached the zenith of regulation and taxation in the Buy to Let market and what value can be added by advisers and brokers to our Landlords to enhance their businesses further?
3. With the recent rises in base rate, do we think that there is going to be a Landlord affordability issue as we see this passed on to the borrower? Whilst we can additional increase the yield, are the tenants nearing a ceiling of their own with the further burden on the cost of living? If so will this lead to a fall in demand as we move through 2022?
4. The Government has set a target for lenders to have an average EPC rating of C across all its loans by 2030. A lender has recently stated that from May, they will no longer accept any new applications for properties that are below an EPC rating of D. They have also stated any that are currently D have to have a reasonable chance of being developed to a C. What is your position on this and do you think the EPC targets set by the Government are achievable?
5. Since 2009, there has been a tremendous growth in the number of Buy to Let lenders in the UK, Is there a big enough challenge from the specialist lenders in this space to those occupying the mainstream? What about those new lenders coming into Buy to Let in 2022, how are they going to compete or do they simply need to open up new markets with more new products such as Bridge to Let.
6. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the property market. How do you think the next few years will be for the market, both commercial and residential?
- Moderator: Liz Syms – Connect for Intermediaries
- Mike Cook – Market Financial Solutions
- Josh Knight – Octane
- Paul Brett – Landbay
- Steve Matthews – Octopus Real Estate
1. The Buy to Let Industry has seen many changes in recent years in many areas. Has this been good for the broker community? What effect has this additional burden had on landlords, as it has sometimes been called, and what effect has this really had on the lending market, both for the portfolio landlord and the small players?
2. There has been a lot of training and communication within the Buy to Let Industry, but the question is - do we feel that there is enough knowledge within the broker community? Have we reached the zenith of regulation and taxation in the Buy to Let market and what value can be added by advisers and brokers to our Landlords to enhance their businesses further?
3. With the recent rises in base rate, do we think that there is going to be a Landlord affordability issue as we see this passed on to the borrower? Whilst we can additional increase the yield, are the tenants nearing a ceiling of their own with the further burden on the cost of living? If so will this lead to a fall in demand as we move through 2022?
4. The Government has set a target for lenders to have an average EPC rating of C across all its loans by 2030. A lender has recently stated that from May, they will no longer accept any new applications for properties that are below an EPC rating of D. They have also stated any that are currently D have to have a reasonable chance of being developed to a C. What is your position on this and do you think the EPC targets set by the Government are achievable?
5. Since 2009, there has been a tremendous growth in the number of Buy to Let lenders in the UK, Is there a big enough challenge from the specialist lenders in this space to those occupying the mainstream? What about those new lenders coming into Buy to Let in 2022, how are they going to compete or do they simply need to open up new markets with more new products such as Bridge to Let.
6. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the property market. How do you think the next few years will be for the market, both commercial and residential?
12.45 Commercial Term Lending (Commercial Mortgages) Seminar
1. It is reported that there are now record numbers of empty retail units in our High Streets, both in Town Centres and City Centres. Each area could be treated differently, but how can we utilise these buildings and where will the catalyst come from to stimulate change of use.
2. Commercial Property Finance has a real role in supporting the future growth of our economy, how do we make the most of this over the next few years? So, what is happening when it comes to lending on commercial and semi commercial property deals What’s the picture with respect to the availability of commercial long-term funding?
3. Lending in the commercial investment space also remains a challenge right now. What is your view on the current state of the commercial investment finance market, not only the ability to obtain finance, but also the number of lenders in the market, the cost and the expected repayment term for the investor? Have you seen an increase in demand for industrial units during the pandemic? What’s your view on the demand for office space and do you see this changing following the pandemic?
4. Commercial Property Finance has a real role in supporting the future growth of our economy, What is happening when it comes to lending on commercial and semi commercial property deals What’s the picture with respect to the availability of long-term funding? What about the hospitality sector now we are moving on from the pandemic?
5. We need to stimulate a wider audience with the knowledge of the lenders available. How do we get wider knowledge and understanding of
the role of the commercial intermediary into the public domain, which in turn will provide more support for our Lender Partners. Inevitably, we are bound to see more regulation, but what does the panel expect to see from the regulator in the near future?
6. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the property market. Specialist Property Finance has a significant role in supporting the future growth of our economy: the big question is - how do we make the most of this opportunity over the next few years?
- Moderator: Adam Tyler, Executive Chairman, FIBA
- Angela Norman – Recognise Bank
- Simon Wright – Barclays Bank
- Tom Simpson – YBS Commercial
- Emily Hollands – Interbay Commercial
1. It is reported that there are now record numbers of empty retail units in our High Streets, both in Town Centres and City Centres. Each area could be treated differently, but how can we utilise these buildings and where will the catalyst come from to stimulate change of use.
2. Commercial Property Finance has a real role in supporting the future growth of our economy, how do we make the most of this over the next few years? So, what is happening when it comes to lending on commercial and semi commercial property deals What’s the picture with respect to the availability of commercial long-term funding?
3. Lending in the commercial investment space also remains a challenge right now. What is your view on the current state of the commercial investment finance market, not only the ability to obtain finance, but also the number of lenders in the market, the cost and the expected repayment term for the investor? Have you seen an increase in demand for industrial units during the pandemic? What’s your view on the demand for office space and do you see this changing following the pandemic?
4. Commercial Property Finance has a real role in supporting the future growth of our economy, What is happening when it comes to lending on commercial and semi commercial property deals What’s the picture with respect to the availability of long-term funding? What about the hospitality sector now we are moving on from the pandemic?
5. We need to stimulate a wider audience with the knowledge of the lenders available. How do we get wider knowledge and understanding of
the role of the commercial intermediary into the public domain, which in turn will provide more support for our Lender Partners. Inevitably, we are bound to see more regulation, but what does the panel expect to see from the regulator in the near future?
6. Our audience are always very keen to hear our panellist’s views on the future as there is always considerable interest in the property market. Specialist Property Finance has a significant role in supporting the future growth of our economy: the big question is - how do we make the most of this opportunity over the next few years?
13.40 Industry Education Programme Seminar
1. Who is phase one of this Education Programme aimed at? People brand new to the industry joining commercial lenders, who are likely to be quite young and inexperienced in commercial property finance and bridging finance. Is this just for brokers entering the commercial property finance market, who may have some previous experience in the residential market, but with no/limited knowledge of commercial property finance or bridging finance.
2. Which other groups may also be considered? Brokers with more knowledge of, and experience in, commercial finance, possibly through working in mainstream lenders, but with no experience of brokering. Should the taking of any educational programme for our sector be compulsory now or into the future?
3. How will the set-up of the Programme be funded? Who will be responsible for the ongoing costs associated with the programme? How will each individual candidate pay for the programme? Do we think that sponsorship of candidates by the lender community is a possibility or a good option?
4. What in your opinion should make up the essential modules to be included in phase 1 of the Education Programme? Can some of the content of these modules be taken from other areas of finance which has previously been offered. Is a level 3 qualification suitable? What specific areas should we focus on when building the final syllabus? Will the Industry be prepared to act as authors and contributors to the programme?
5. How will the learning be presented and then consolidated and evaluated?
Areas to Consider
· As a series of optional e-learning modules
· Completion of the programme, including final case studies, to be recognised through award of LIBF digital badge
· Programme to be accredited for CPD purposes by LIBF
· How the lending will be categorised
· Key additional information the broker will need to package the case
· How it will be underwritten
· The likelihood of it being agreed
- Moderator: Adam Tyler, Executive Chairman, FIBA
- Vic Jannels - Association of Short Term Lenders
- Damien Druce – Black & White Bridging
- Michelle Westerley – Brightstar Financial
- John Kent – White Rose Finance
- Gordon Reid – London Institute of Banking and Finance
1. Who is phase one of this Education Programme aimed at? People brand new to the industry joining commercial lenders, who are likely to be quite young and inexperienced in commercial property finance and bridging finance. Is this just for brokers entering the commercial property finance market, who may have some previous experience in the residential market, but with no/limited knowledge of commercial property finance or bridging finance.
2. Which other groups may also be considered? Brokers with more knowledge of, and experience in, commercial finance, possibly through working in mainstream lenders, but with no experience of brokering. Should the taking of any educational programme for our sector be compulsory now or into the future?
3. How will the set-up of the Programme be funded? Who will be responsible for the ongoing costs associated with the programme? How will each individual candidate pay for the programme? Do we think that sponsorship of candidates by the lender community is a possibility or a good option?
4. What in your opinion should make up the essential modules to be included in phase 1 of the Education Programme? Can some of the content of these modules be taken from other areas of finance which has previously been offered. Is a level 3 qualification suitable? What specific areas should we focus on when building the final syllabus? Will the Industry be prepared to act as authors and contributors to the programme?
5. How will the learning be presented and then consolidated and evaluated?
Areas to Consider
· As a series of optional e-learning modules
· Completion of the programme, including final case studies, to be recognised through award of LIBF digital badge
· Programme to be accredited for CPD purposes by LIBF
· How the lending will be categorised
· Key additional information the broker will need to package the case
· How it will be underwritten
· The likelihood of it being agreed
14.30 Conference Close
- Adam Tyler - Executive Chairman of FIBA