1. Business opportunities – adapting to a changing market Social and economic changes in the mortgage market over the next 2-3 years

2. Introduction • Market dynamics • Baby boom era - clients ageing before first mortgage • Lender retention • Client retention • Client relationship • Data protection • Client bank protection

3. Market dynamics • Increasing competition among lenders • Interest rates and the economy in general • Saturation of the re-mortgage market • Miss selling scandals • Baby boomer generation – equity release • IHT and the pension market • Buy to let market

4. Lender retention policy • The domination of the re-mortgage market • The growth in lender retention fees • Regulatory concerns – TCF • Ancillary sales - protection

5. Client retention/relationship • Lead generation • Existing clients and referrals • Lead generation firms and estate agents • AMI letter • Data protection • Client bank protection • CRM system improvements

6. Business opportunities • Tackling the issue of interest only • Mortgage longevity • Benefit added products • Non conforming • Procuration fees

7. Summary • This is your opportunity • Regulated environment • What all good business should be providing • Developing a good strong relationship with client and lenders • Getting the most out of your clients