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