Podcasts about aldermore

FT Adviser's Chloe Cheung speaks to Kate Davies, executive director of the Intermediary Mortgage Lenders Association, and Ross Dalzell, managing director of property at Aldermore about Labour's housing plans, what lenders think of these policies, and why IMLA has urged the government to review regulatory barriers to first-time home ownership. Hosted on Acast. See acast.com/privacy for more information.

Steven Cooper CBE is the CEO of Aldermore Group, a leading specialist lending and savings bank. Previously Steven was CEO of C.Hoare & Co and prior to that a Senior Executive at Barclays where he held a number of executive positions including CEO of Personal Banking for UK & Europe and CEO UK Business Banking. Steven is Chair of Experian UK, a NED of the recruitment firm Robert Walters PLC and he was a Co-Chair of the Social Mobility Commission until 2021. He is a passionate advocate for social mobility; he is a regular speaker and media commentator on the issue and has recently joined forces with former Cabinet Minister Justine Greening to form the Equality of Opportunity Coalition. He was awarded an Honorary Doctorate from Herriot Watt University and made a Commander of the British Empire – both for services to Banking and Social Mobility. Steven's leadership top tip is to encourage leaders to think about those moments where they've had a particularly tough period at work and reflect on the actions they took that helped them navigate through it. These difficult moments are great learning experiences and leaders can benefit hugely from transferring some of the skills they've developed in really tough times, across to how they operate as a leader in more normal times. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the mortgage marketing podcast we are joined by Matt McCullough as he shares his 3 pillar system to a great pitch who is matt? Matt leads a successful field sales team at Aldermore of which face into 1000's of intermediaries between them and are on hand to offer help and support each day in an ever evolving mortgage market. Matt would class himself more of a ‘player manager' as he oversees the team, helps develop broker relationships and is always ready to jump on the pitch when needed to lead by example.As a self confessed BTL & Social media fanatic, Matt promises to educate the broker network to ensure each and every time he meets and presents to brokers on these topics, they leave with valuable intel on how they can help more clients and continue to grow their businesses.Follow me on Instagram HERE and drop me a DM so I can follow back

Technical issue with the originally recording now resolved & full recording now available.The Three Pillars For Lead GenerationBack for the second time on the Mortgage Broker Broadcast,  I am joined by Matt McCullough, National Sales Manager from Aldermore. In the first podcast with Matt, he touched on the three pillars and how it can help with lead generation. So, I invited Matt back on to the podcast to explain more.

Guest hosted by Sarah Beauvallet

A Presence In The Intermediary MarketIn this weeks episode of the Mortgage Broker Broadcast,  I am joined by Matt McCullough who is the National Sales Manager at Aldermore Bank and so much more.

Where is the best place in the UK to invest in a buy-to-let property? Aldermore’s Buy to Let City Tracker, analysing 50 cities across the UK to understand the top places for landlords to invest in, has found Manchester, closely followed by Cambridge, to be the best. The Tracker, which has been expanded from 25 cities in 2019 to 50 cities, was determined by analysing and assessing five key indicators that impact desirability; average total rent, the best short-term returns through yield, long-term return through house price growth over the past decade, the lowest number of vacancies as a proportion of total housing stock, and percentage of the city population in the rental market. In this episode of Informed Choice Radio, I speak to Jon Cooper, head of mortgage distribution at Aldermore. With a high level of uncertainty for landlords since the onset of the Covid-19 pandemic, the private rented sector has never been more important. Renters have changing needs, which is creating investment opportunities for landlords. Here's my conversation with Jon Cooper in episode 534 of Informed Choice Radio.

Kevin McDonnell discusses this weeks property news as Aldermoore's ‘Buy To Let City Tracker' identified Manchester as the best city in the UK to invest in. Aldermoore stated that the short term returns through yield and long term return over ten or more years as two of the reasons why the northern city is the best for property investment. Kevin discusses the impact the recession will have on peoples property preferences with many people likely to downsize and turn to HMO's. Kevin also shares whats new in the Progressive Property Community and poses the question of what's better houses or flats?   KEY TAKEAWAYS Weekly Property News According to Aldermore's Buy To Let City Tracker, Manchester is the best city to invest in. The tracker assessed 5 key indicators that impact desirability, these can be identified as average total rent; short term returns through yield; long term return over ten years; the lowest number of vacancies as a proportion of total housing stock and the percentage of the cities population in the rental market. Manchester performs well for rental returns and long term house price growth. More importantly, it is one of the biggest rental markets in the UK.   Many people are saying because of COVID-19, people will no longer want to live in shared accommodation. However, along with the pandemic there came to a recession meaning people will have less income and will be looking to downsize to save money. HMOs (Houses of multiple occupancies) are the cheapest part of the market. In the previous financial crash, the HMO sector boomed as many people were looking to make cut backs. Many young professionals who can afford a one-bedroom flat often prefer to live with others.   Property Investor Today gave some advice on how to convert and invest in HMO's for them to be successful. Make sure the property has a workable workplace as many people will be working from home. Ensure the properties kitchen has as much storage as possible as well as ensuring the bedrooms have ample wardrobe space. In the coming years, service will be key, ensure you provide the first-class service to your tenants.   Progressive Property Community News & Discussions What is better to invest in houses or flats? Flats usually have a higher turn over of tenant than houses as well as often being a leasehold property meaning you are likely to have yearly service charges. Another thing to think about with flats is ensuring the building does not have any cladding issues. The service charge is often steadily increased over the years as well as the complex issues that arise over communal areas. Buying freehold houses and converting them into flats allow for good yields and higher tenant turnover.   BEST MOMENTS   “What do you need to be successful?” “It is not as clear cut as ‘there will be a decline' or ‘there will be a rise'. “Think about what you would want in your house, and that is what your tenant will also likely want.” SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom.    CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ See omnystudio.com/listener for privacy information.

New research from Aldermore bank reveals that one in five (21%) small and medium-sized enterprise (SME) owners are working an additional three hours daily on average to manage the impact of the Covid-19 pandemic on their business. Many SME owners reported that longer working hours meant they had to make personal sacrifices, such as reducing time spent relaxing (37%), quality time with family (32%), and exercising (20%). 43% of SME owners described themselves as being “stressed or anxious” due to the pandemic. While working long hours is not necessarily damaging to an individual’s mental health, having an uneven work-life balance can impact performance and lead to fatigue and depression. Working from home can also cause additional stress with 16% of SME directors finding it difficult to create a healthy work/life balance when working outside of the office. Tim Boag, group managing director, business finance, Aldermore said: “While it’s easy to assess the financial health of a business by looking through financial statements, it can be much harder to determine the mental wellbeing of staff. During this financially challenging and difficult period, director burnout is now a real risk for many overworked SME owners, so it’s vital that business owners and their employees take some time out and maintain a healthy work-life relationship. That’s why we’ve launched our mental health guide to help support SME owners as part of our ‘Small But Mighty Business’ campaign.” The main causes of the increased time SME directors spent working included: spending more time serving existing customers (27%), working to reduce anxiety about the business’s future (21%), and pursuing more new business opportunities (19%). When looking ahead to the future, 28% of SME directors were feeling anxious about what the next six months might mean for their business. More positively, a similar percentage felt determined (30%) that their business would survive. Regional breakdown: 13% of SME directors in the North East were working 5 extra hours or more each day to manage the impact of Covid-19, the highest percentage of any UK region. To support SME directors in managing their mental health and wellbeing, Aldermore has launched it’s: Small But Mighty Business Mental Health Guide’. About Aldermore group Aldermore group’s overall purpose is to back people to fulfil life’s hopes and dreams. Aldermore bank provides financing to back UK small and medium-sized enterprises (“SMEs”), and supports investors and homebuyers with mortgage finance while offering a dynamic online savings proposition. We serve our customers and intermediary partners online and by phone, through eight offices in the UK. MotoNovo Finance, based in Cardiff, helps UK consumers by bringing straightforward finance to people looking to buy their next car, van, or motorcycle. It owns and operates the online platform findandfundmycar.com Established in 2009, Aldermore has grown significantly. In March 2018, Aldermore group became part of FirstRand group, the largest financial services group in Africa by market capitalisation. At the end of June 2020, Aldermore group lending to customers stood at £12.4bn. For more information, please visit www.aldermore.co.uk More about Irish Tech News and Business Showcase here. FYI the ROI for you is => Irish Tech News now gets over 1.5 million monthly views, and up to 900k monthly unique visitors, from over 160 countries. We have over 860,000 relevant followers on Twitter on our various accounts & were recently described as Ireland’s leading online tech news site and Ireland’s answer to TechCrunch, so we can offer you a good audience! Since introducing desktop notifications a short time ago, which notify readers directly in their browser of new articles being published, over 50,000 people have now signed up to receive them ensuring they are instantly kept up to date on all our latest content. Desktop notifications offer a un...

The property world can be very daunting, particularly the finance side. Join Mark today as he simplifies the hidden costs of property finance and talks you through what to look out for when looking to get financing. Mark discusses the advantages of bridging finances, the hidden expenses in fixed-rate mortgages as well as looking out for exit fees.   KEY TAKEAWAYS Bridging finance is something that people may choose to use on properties where there may not be any income and traditional mortgages are not available. Bridging finance is usually available on any sort of property and it is really just based on the loan to value, however, it is much more expensive. Often, bridging finance will get you in on the teaser of 0.5% per month, usually by the time you go to exchange it is likely to be more expensive, potentially up to 16%.   Fixed rates are generally more expensive. They are more expensive because effectively it is like an insurance policy against the interest rate rises. The fixed-rate deals over time usually have ended up being more expensive than the variable rate. Generally speaking, the market is offering fixed rates at the premium to the expected average interest rate that you’re going to be charged during the term of the mortgage.   Always look at any exit fees you may face. On investment loans there generally isn’t any, however on bridging loans you may get some for 1%-2%. With development finance, which is the type of finance you will be taking out to develop properties, there can be an exit fee. This exit fee may not always be a percentage of the loan, it could be a percentage of the gross development value of the project, which can be very significant.   If you are going to be doing stuff that is a little bit outside of the box (perhaps you are doing a large HMO), you may find yourself looking towards an Aldermore or Shawbrook type product. They can be great on smaller deals that are outside the box, but they can be very expensive. They may be 5%-6% interest whereas if you went to a high street or to a commercial bank, they might be doing it for 2.5%.   BEST MOMENTS “So often I get people coming to me saying ‘I’ve got this mortgage and it is a really low rate, isn’t it great!’ but it is only a two-year deal. You really need to look at everything in the rounds” “I generally prefer variable-rate mortgages but I find that fixed rates are a good insurance policy, but you need to pay for that.” “Just be mindful of that. Do you always want to do out of the box deals if it is going to cost you almost double the rate of interest?”     ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.

The property world can be very daunting, particularly the finance side. Join Mark today as he simplifies the hidden costs of property finance and talks you through what to look out for when looking to get financing. Mark discusses the advantages of bridging finances, the hidden expenses in fixed-rate mortgages as well as looking out for exit fees.   KEY TAKEAWAYS Bridging finance is something that people may choose to use on properties where there may not be any income and traditional mortgages are not available. Bridging finance is usually available on any sort of property and it is really just based on the loan to value, however, it is much more expensive. Often, bridging finance will get you in on the teaser of 0.5% per month, usually by the time you go to exchange it is likely to be more expensive, potentially up to 16%.   Fixed rates are generally more expensive. They are more expensive because effectively it is like an insurance policy against the interest rate rises. The fixed-rate deals over time usually have ended up being more expensive than the variable rate. Generally speaking, the market is offering fixed rates at the premium to the expected average interest rate that you’re going to be charged during the term of the mortgage.   Always look at any exit fees you may face. On investment loans there generally isn’t any, however on bridging loans you may get some for 1%-2%. With development finance, which is the type of finance you will be taking out to develop properties, there can be an exit fee. This exit fee may not always be a percentage of the loan, it could be a percentage of the gross development value of the project, which can be very significant.   If you are going to be doing stuff that is a little bit outside of the box (perhaps you are doing a large HMO), you may find yourself looking towards an Aldermore or Shawbrook type product. They can be great on smaller deals that are outside the box, but they can be very expensive. They may be 5%-6% interest whereas if you went to a high street or to a commercial bank, they might be doing it for 2.5%.   BEST MOMENTS “So often I get people coming to me saying ‘I’ve got this mortgage and it is a really low rate, isn’t it great!’ but it is only a two-year deal. You really need to look at everything in the rounds” “I generally prefer variable-rate mortgages but I find that fixed rates are a good insurance policy, but you need to pay for that.” “Just be mindful of that. Do you always want to do out of the box deals if it is going to cost you almost double the rate of interest?”     ABOUT THE HOST   Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.   CONTACT METHOD   Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.

Insuring the whole of your debtor portfolio against non-payment can be expensive. Opening our latest podcast, we look at the announcement of a partnership between Barclays and single invoice insurer, Nimbla. Rolling out on a trial basis in selected regions, Barclays customers will benefit from cost-effective credit insurance. When reviewing finance requests from larger SMEs, banks will consider the risk and impact of supply chain failure. A survey from Aldermore reveals that many businesses have not reviewed the likelihood or consequences of supply chain failure. To close, proposals have been set out in the form of a draft Bill to the House of Lords to tackle late payment. What actions are being proposed? To back-up the need for action, a survey from Pay UK uncovers the impact late payment has on business owner’s mental health.

The Conservative party when a large majority, Brexit decision is final and decided therefore what impact will this have on the markets going forwards? Which cities in the UK are the most desirable to invest? MARIUS NEWS: https://www.propertyreporter.co.uk/landlords/where-are-the-best-cities-in-the-uk-for-btl-investmen.html Retail bank, Aldermore, has analysed 25 cities across the UK to help understand the best places for landlords to invest in and has discovered where comes out top. QUESTION OF THE WEEK: Mr Chen who has wooden floors in his apartments, has just discovered that he is in breach of his lease for having wooden floors. The freeholder is unaware of the issue - Should I sell it like this or carpet the property before selling and rectify the problem?.

We sit down with Becky Pinkard who is Chief Information Security Officer at Aldermore Bank in London to discuss the challenges she faced working in a male dominated industry such as cybersecurity; talk about the initiatives she is part of to support the next generation of women business leaders; how she battled the prejudice and discrimination she faced as well as the biggest cybersecurity threats financial institutions are facing today.

The credit crunch in 2008 was the start of the rise of the so-called Challenger Banks. This month, one of those early entrants, Aldermore Bank, celebrates its 10th anniversary. To open our latest Bulletin, we take a look at Aldermore’s achievements over the last 10 years. When borrowing via a Limited Company, one downside is that lenders expect Directors to provide Personal Guarantees. Many can be reluctant to sign and in some cases it’s enough to put them off borrowing. However, that risk can be offset by taking out a Personal Guarantee Insurance policy. We take a look at how it works and where you can obtain such a Policy. To close this Bulletin, news from The Small Business Commissioner that it has named-and-shamed another high profile business for its late payment practices. Another success story for the Commissioners Office with £32,000 paid following its intervention.

Episode 11 - and it's The Guest Spot with Charles McDowell, Commercial Mortgages Director of Aldermore Bank! Join Stuart and Martin as they speak with Charles about his career, his role at Aldermore, and their new Later Life Lending product. Please subscribe, and share on Social Media with your friends and colleagues! You can follow us on Twitter - @TheLMExperience - and also Charles - @CharlesRAMcD and @AldermoreBank   We always welcome your Questions for future episodes - Ask Away!

To start our latest podcast, news from Revolut Bank, an internet and mobile-only bank which we have not featured before. Revolut has announced forthcoming enhancements to its service offering which will provide wider benefits to its 16,000 business customers. The British Business Bank, the government’s home for its finance programmes, has supported two more challenger lenders in their aim to broaden access to finance. Aldermore and 1pm will be using the finance schemes to widen the reach of their asset finance products. Business confidence appears to be strengthening. That’s the message coming out from two surveys undertaken by the FSB and Lloyds Bank. However, there are still a number of factors holding businesses back when it comes to pursuing growth.

Simon Shares More highs locally and global for markets. And of course that makes everybody worried and certain we're about to crash. Well we will most definitely crash, just nobody (and I mean nobody) knows when. So as always ignore the doomsayers. Tencent buys a 10% stake in Snap, a clever deal as it gets them into the US market. It also means we now all own some Snap via any Top40 ETF we have with Naspers (JSE code: NPN) in it. Purple Group (JSE code: PPE) results were rough. Ignoring a write down of Real People, GT24/7 made a sliver of profit, Emperor is losing AUM hand over fist while EasyEquities continues loses. With almost 60k users the burn rate for EasyEquities is about R3m a month with revenue of some R800k a month. That's a large gap that needs a lot more customers to close. They do however have the money from Sanlam that tides them over for the next 3 years while they try turn the low cost idea into profits. Steinhoff (JSE code SNH) is back in the bad news on reports that it hid US1billion worth of related party deals. This company has a lot of smoke around for an innocent company. Sasfin (JSE code: SFN) has a price-to-book (PB) of around 1x and that is always a buy signal for the stock. Ungeared and hold until PB is 1.4x or higher, about 12-18 months typically. You'll get NAV uplift, dividends and the price gain above NAV. I have sold my Tongaat (JSE code: TON) shares. The latest update showed that even with returning rain we're not seeing the profits from sugar, so my thesis was right (rain) but with no profit to show for it I bailed. Help us help you, do our six minute user survey. 4 New ETFs from Sygnia. Up coming events; High probability derivative trading Position your portfolio for 2018 * I hold ungeared positions. Too big to work (AKA big deals suck) Brait (JSE code: BAT) has valued their UK New Look business at zero. They paid R37billion just under two years ago. Woolies* (JSE code: WHL) and Famous Brands* (JSE code: FBR) both struggling with big deals and now Firstrand (JSE code: FSR) spending some R20billion buying Aldermore. How many big deal really work? Sure they work eventually, but at what cost and never as management promised. I suspect it has two key problem. Firstly they buyer typically over pays in their eagerness to get the assets, this is especially true when the target is listed and the premium has to be agreed on by shareholders and is hence usually 20%-30% or more. Secondly merging two business is never easy. Some easy wins such as centralised costs like HR can be lowered, but actually extracting value a lot harder. The third of course is the ego of management. Who wants to be boss of some regional business when you can be a global titan over seeing a vast network of losses? My memory says very few ever work very well. Have you got some examples of large deals working? SABMiller worked, BHPBilliton* (JSE code: BIL) worked. Any others? We Get Mail Peter I see that some of the Satrix products are offered as either ETFs or unit trusts. What would compel me to purchase via a unit trust rather than an ETF for something basically the same? Subscriber to our feed here Sign up for email alerts as a new show goes live Subscribe or review us in iTunes. JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.

Market Analyst, Nerina Visser looks at SA markets as oil market in the short term are up another 3+% yesterday, now sitting solidly above $64 a barre, the move by Firstrand announced yesterday ,to acquire the British bank Aldermore and the JSE again recorded an all-time high yesterday...

Patrick Jenkins is joined by Martin Arnold and Emma Dunkley to discuss the decision to appoint insurance executive Tidjane Thiam as the new head of Credit Suisse, the conduct fine against Germany's Commerzbank, and the flotation of UK small business lender Aldermore. See acast.com/privacy for privacy and opt-out information.

Patrick Jenkins is joined by Sam Fleming, Daniel Schäfer and Emma Dunkley to discuss what came out of last week’s IMF meeting in Washington, the exodus of traders from Deutsche Bank, and signs that the flotation of Aldermore, a newish bank may be in trouble See acast.com/privacy for privacy and opt-out information.

How to protect your savings now that National Savings Certificates have sold out. When should you retire now annuity rates are at a record low? And where can you get a 100 per cent mortgage now? See acast.com/privacy for privacy and opt-out information.