The Legal & General Mortgage Club roadshow returns this April.

We are finalising the agenda and confirming which lender partners will be joining us, but the event will offer a great chance to step away from your desk or home office and meet the Club team in person. It will also give you the opportunity to hear more about our latest propositions and share where you would value further support.

The roadshow will begin at 9.00am and is expected to finish at around 2.30pm. A complimentary buffet lunch will be provided. If you have any dietary requirements, please include them in the relevant section of the registration form.

Key points to note:

Affordability changes:
Three of the big six lenders have confirmed over the past 24 hours that affordability is starting to improve. Some are communicating this formally, while others are updating their calculators without announcement. Advisers should be reminded to check affordability again on new cases before submission. This also highlights the value of using Ignite and its affordability pillar. We expect other lenders to follow.

Nationwide:
When a DIP is submitted and moved to rate reserve, the rate, affordability and loan amount are all secured. This gives protection against any changes in the days or weeks ahead and remains a strong selling point that advisers value.
Nationwide has also changed its rate-change submission cut-off from 8pm to midnight following feedback, which is a welcome improvement that we helped support.

HSBC:
HSBC is actively working to improve service times, including moving additional underwriters from direct to intermediary channels. Turnaround times should improve soon, but where an immediate and guaranteed fast decision is critical, HSBC may not yet be the strongest option. They are, however, able to escalate all new build cases, which still makes them a solid choice in that area.

Clydesdale:
Because of its systems and operating processes, Clydesdale can take around 24 hours longer than some lenders to implement rate changes. They have asked for patience where changes appear with limited notice. Matt Martin is available to help with any issues.

Medium and smaller lenders:
Forecasting remains difficult in the current market. If rates stabilise quickly, pipeline stickiness could become a concern. Broker feedback will be particularly useful here.

Service levels:
LBG, Nationwide and Santander are all reporting service levels of around one to two days. Greater automation and reduced documentation requirements are proving much more effective than in previous periods of market volatility.