I can’t believe it’s already November and the thought that Christmas will soon be upon us is rather frightening. Just like the forecast for mortgage lending in 2012!

Due to the uncertainty in the housing market and the economy both in the UK and the Euro zone predictions are that lending will remain flat next year or could even fall. Although buyer demand climbed to a 4 year high in September, lending is still the major barrier to sales.

Finding a suitable mortgage product for your client is a minefield at the moment.

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Designed to strengthen the lines of communication between Fluent Money and their clients, the application has been in development for 12 months. Available on both Apple and Android phones, Fluent Money believes that the app is an industry first and demonstrates its commitment to the secured loan market.

The app allows clients to track the progress of their loan in real time, with live notifications of updates and progress. They are able to contact their dedicated case manager at the click of a button, whether by phone or email and even know if the case manager is sat at their desk and able to take their call. The next version will see the inclusion of a download and printing service for client documents and is due to launch in January, with short animated videos to explain to customers where their loan is in the approval process.

Tim Wheeldon, Joint Managing Director of Fluent Money commented:

“The Fluent View App is something that has been in the pipeline for a long time now and it is something that we are incredibly proud of.

“For a number of years we have successfully offered clients the option to track the status of their loan online. This has proved hugely popular and has seen an increasing percentage of clients choosing to apply online. The development of the app was the obvious next step.

“We are confident that this app will help and support our clients through every step of their loan journey. We are looking forward to developing the app further, allowing it to evolve and expand it over time.”

The Fluent View App will be available for free from Monday 19^th November on iTunes.

Need some help and advice as to how to enter and deal in this market?

Using the expertise within our group*, you can now access an extensive range of private medical schemes, providing single cover through to large corporate group risks.

With a range of products and many years of experience in this market, we can give you access to competitive products and a high class service for your client.

This is one of a number of new schemes through Berkeley Alexander that could increase your general insurance earnings.

Contact your Business Development Manager on 0845 355 1166 or email us at info@baonline.co.uk

* This service is provided by Ainsburys Private Medical Insurance.

As a result of this deal Berkeley Alexander can now offer mortgage brokers and financial advisors online access to a further three flexible home insurance products in addition to its existing panel.

The three new products available are:

• Seasons: an economy product providing buildings, contents and personal possession cover
• Seasons Select: Towergate’s standard home insurance product
• Seasons Platinum: a mid net worth product with extra benefits including cover for higher than average sums insured and buildings up to the value of £750,000

Premium rates are price-matched to those available through specialist high street G.I. brokers, so you can be confident that you will not be beaten on price by high street insurance brokers using the same products.

Initial and renewal commission will be paid at 27.5%.

Visit our Website, Register Now, and contact your local Business Development Manager to see how we can help you develop your general insurance sales.

If you are already registered but have forgotten your password, please click here to ‘Reset Password’

Call us on 0845 355 1166, or email our Sales & Marketing Director, Mark Hutchings, at mhutchings@baonline.co.uk

Watch out for further news on additional insurers & products being added to our online quote & buy system!

Customers applying for a loan now benefit from a simplified interface, allowing them to check the process of their application at any time. Fluent View now gives customers visibility of everything being carried out by Fluent Money. They can view the status of their application at any time, reducing any queries or confusion about the process.

Customers can also now access their information on mobile phones and tablet computers.

Click here to register.

During the next week or so we’ll be announcing the first in a series of new online insurers, with products designed to both help you win more business, and improve your profitability.

We plan to have the largest insurer panel available from any provider, and we’re starting with 10 products from 5 insurers, namely Aviva, Ageas, Ecclesiastical, Legal & General and Zurich, with more to follow in the coming weeks.

The main product features will include:

• Sum insured and bedroom rated products
• Buildings cover options available up to £800,000
• Contents cover options available up to £75,000
• Varying cover levels from value to 5 star DEFAQTO rated products
• Voluntary excess levels up to £500

Down the line, we’ll be delivering enhanced functionality, giving better access to important online management information tools such as commission review, client policy information, and much more.

We believe that these improvements, when allied to the recent launch of our 12 insurer Landlords quotation service, will make Berkeley Alexander the provider of choice for Mortgage Brokers and Financial Advisers who are active in the G.I. market.

Visit our Website, Register Now, and contact your local Business Development Manager to see how we can help you develop your general insurance sales.

If you have already registered but you have forgotten your password, please click ‘Reset Password’

Call us on 0845 355 1166, or email our Sales & Marketing Director, Mark Hutchings, at mhutchings@baonline.co.uk

Is the chairman/secretary one of your clients?

Have you considered helping them arrange the club’s insurance?

Working beside our group partners, CCV Sports & Leisure, we are able to arrange comprehensive cover to the club whilst earning you valuable extra commission of up to 15% of the annual premium.

The scheme not only provides highly competitive premiums but comprehensive cover such as :

• Buildings (including non standard construction) & Contents
• Greens, Fairways, Trees & Plants
• Greenkeeping, Plant & Machinery, Irrigation Equipment etc
• Cups, Trophies and bar stock
• Loss of Revenue
• Public Liability of up to £10m
• Loss of Licence
• Legal Expenses

If the club has been claim free for the last five years they will also guarantee to beat their existing renewal by at least 5%.

Do you know the Golf Pro at the club? You could also assist in finding the right product for them with the Golf Pro Cover, designed to dovetail with the Pro’s PGA cover.

They could benefit from cover for :

• Pro Shop Stock and Contents
• Computers
• Mobile Phones
• Photographic and Video Equipment (all risks – anywhere in UK & Europe)
• Tools & Portable Items (all risks – anywhere in UK & Europe)
• Employers Liability – up to £10m
• Public Liability – up to £5m
• Legal Expenses

So if you have an enquiry please contact our offices on 0845 355 1166 and ask to speak to Steve, Phillip or Adam.

They can arrange the quotation with you or speak directly with your client.

Mark Hutchings, sales and marketing director at Berkeley Alexander :

A: The complexity of risks faced by landlords is far greater than those of the average home owner, and they cannot be covered with a standard home policy. There is also a wide variation in policies across the market.

A comprehensive policy must include buildings cover (and potentially landlords’ contents), loss of rent and property owners/public liability as a minimum.

It should also cover all of the normal risks that we expect from our own home insurance, including fire, flood, explosion, burst pipes, subsidence and so on. However, there are a couple of big risks that all too often get overlooked.

Firstly, malicious damage; this was highlighted recently in the media by the case of a couple in Wiltshire who despite their best efforts to vet their tenants ended up with a £20,000 bill to restore their home after it was turned in to a cannabis factory.

They received no compensation as their policy did not include protection for landlords against malicious damage.

Secondly, un-occupancy; most policies reduce the cover under the policy during a period of un-occupancy but the length of time insurers give full cover for can vary between insurers, as can the application of certain conditions such as the mains gas and water supplies are turned off, whether the central heating system remains on to prevent burst pipes and how often the empty property is inspected.

For landlords with more than one property consider insuring the entire property portfolio to give a comprehensive package at the best possible price.

The key message is to choose a policy specifically designed for let properties – don’t just rely on a home insurance that has been adapted to cater for a landlord and shop around – don’t just accept the mortgage lender’s policy.

“We launched our innovative fixed term annuity product one year ago, and sales have reached target levels as increasing numbers of financial advisers are introducing the solution into their retirement options.”

For more information about Just Retirement, please click here.

With so many loan companies and products to choose from, Fluent Money makes your choice easier as they find out what you need and then find the most suitable loan available to you.

• Speak to the same UK-based person every time
• Check the progress of your application online
• Trust their many years Finance Industry experience
• Relax – let Fluent find the best loan to suit your circumstances and they’ll present you with options not problems!

It’s straightforward, simple and saves you time. To utilise Fluent Money’s services please click here.