Toni Smith


Comment: Building career paths in mortgages

Who do you consider a great leader? Is it the inspirational Karen Brady, leading entrepreneur and businesswoman, or the quietly driven Steve Jobs of Apple, whose creativity inspired a generation? Within the mortgage sector, there are many successful intermediaries. However, there is a difference between someone who excels at their role and a successful leader. […]


Comment: Are you ready for growth in the mid-net worth market?

Many people will be aware of the high net worth and ultra high net worth markets, but the sector that eclipses both — in size at least — is the mid net worth market, sometimes referred to as mass affluent. Many in this bracket are considered as the high net worth clients of tomorrow. As such, the […]


Protection market ready for shake-up, says Toni Smith

Before rates rise at last, communicate with clients to ensure they understand their protection policy, as well as its value The protection market is ready for a shake-up. With Mark Carney stating that a rate rise is all but necessary, advisers need to act quickly to review what customers can and can’t afford. Homeowners are […]


Brokers crucial to survival for landlords, writes Smith

It has never been more crucial for mortgage advisers to be a central point of contact for buy-to-let landlords Buy-to-let borrowing is buckling. Following the whirlwind of changes that have blown across the market in the past year, borrowing in this area fell 26 per cent on an annual basis in February. The shape of […]


The personal touch is crucial with clients, says Smith

Advisers should contact clients at key times in order to be at the forefront of their minds when their circumstances change In completing a mortgage, brokers play a pivotal role in one of the most important events in a person’s life. At the same time, however, they have saddled that person with the biggest debt […]


Keep your head in the battle to negotiate BTL changes, says Smith

Whether they stick with established niches or branch out into new specialisms, brokers face a fast-paced changing market Physician William J Mayo once said: “A specialist is a man who knows more and more about less and less.” For brokers heavily focused on buy-to-let lending, that statement may be starting to feel uncomfortably accurate. For […]

Comment: Backbooks are now front runners

With landlords squeezed and a slowdown in lending, it is more essential than ever to foster relationships with existing clients From April, the Government will begin phasing out tax relief on buy-to-let mortgage interest. By April 2020 all landlords will be charged tax on rental revenues and then given a flat-rate tax credit of just […]