We'reexcitedtoannouncethatYotiIdentityVerificationwillsoonbeavailablein Smartr365!
Thisopt-in,advisor-paidservicewillallowyoutosecurelyandefficientlyverify yourclients'identitiesallfromwithintheSmartr365platform.
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Watchthisshortvideotoseehowtheprocessworksforbothadvisors andclients:
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We'll be sharing more details soon including pricing and how to activate this feature. Stay tuned!
Honouring World Menopause Day and the journey of change.
Menopauseisn’tjustamedicalmilestone,it’sastageoflifethatcanaffectenergy, confidence,mood,relationships,andoverallwellbeing.It’ssomethingthatdirectly touchesaround13millionpeopleintheUKwhoareperi-orpost-menopausal—and italsoimpactsthepartners,families,andcolleagueswhosupportthem.
That’swhyWorldMenopauseDayisn’tjustaboutawareness.It’sabout understanding,empathy,andmakingsuretherightsupportisthereforeveryone,not justthoseexperiencingmenopausefirst-hand.
From Pause to Renewal
ThewordmenopausecomesfromtheGreekmēn(month)andpausis(pause),first introducedinthe1800sbyaFrenchphysician.ButinJapan,adifferentwordisusedkonenki(更年期)-whichtranslatesas“renewalyears”or“aseasonofchange.”
It’sagentler,morepositivewayofviewingthislifestage:notassomethingending, butasatimeoftransition,reflection,andgrowth.Andwitharoundeightintenpeople experiencingsymptomssuchasfatigue,sleepdisturbance,orbrainfog,thatrenewed perspectivematters.
Menopausedoesn’thappeninisolation.Itcaninfluencehomelife,relationships,and work.Infact,oneintenwomensaythey’veleftajobduetosymptoms,whileonlyone infourworkplacescurrentlyhaveformalmenopausesupportinplace.Alittlemore understanding-bothpersonallyandprofessionally-cangoaverylongway.
You’re Not Alone
AtJustMortgages,wewant everyonetoknowthathelpand understandingarealwaysavailable.
OurWellbeingAssistance Programmeoffersconfidential, 24/7emotionalandpractical support,whetheryou’re experiencingmenopauseyourself orsupportingsomeonewhois.The numbertocallis08000280199.
Further Support
Youcanalsoexplorethe“Mattersof Menopause”moduleordownloadthe MenopauseSupportBookletonMyLearning Space-asimple,informativewaytolearnmore andfeelconfidenthavingtheseconversations.
https://mylearningspace.thinqi.co.uk/repository /resource/56183940-7b69-441b-8cb4fe71e3c81bc1-MenopauseSupportBooklet
https://mylearningspace.thinqi.co.uk/repository /resource/5010d708-1848-48d9-8e12c445c74d8205-MattersofMenopauseModule
So this World Menopause Day, take a moment to talk, listen, or learn something new. Because while every experience is different, the one thing that should remain the same for everyone is access to support.
HSBC change Buy to Let (BTL) lending policy
Withimmediateeffect,HSBChaveintroduced TopSlicingforBTLmortgageapplications.
TopSlicingallowsHSBCUKtoconsiderthe borrower’spersonaldisposableincome(in additiontorentalincome)tosupportthe InterestCoverRatio(ICR).Applicationswhich donotmeettheaffordabilitycriteria,using rentalincomeonly,canbeassessedusingour TopSlicingpolicy:
Minimumincomerequirementof£50,000
MinimumstressedICRof110%
TheHSBCBrokerwebsiteandBTLAffordability Calculatorhavebeenupdatedtoreflectthe abovechanges.
Please note HSBC do not accept Top Slicing on International or Let to Buy applications.
