The Right Mortgage has launched The Right Packager, a new service available to advisory firms within its network to support cases that fall outside mainstream lending criteria.
The proposition is positioned as an additional route to market for advisers handling complex, non-standard or specialist applications, where identifying a suitable lender can be time-consuming.
The group says the move forms part of its wider strategy to improve access to lending solutions for a broader range of borrower circumstances.
The Right Packager operates as an in-house service and draws on a limited panel of specialist lenders. According to the group, those lenders have been selected on the basis of their willingness to take a pragmatic approach to underwriting and to support advisers working with more complex cases.
Lender commitments within the proposition include access to exclusive products, early and ongoing underwriting input, and procuration fees designed to reflect the additional work often associated with specialist cases.
The service has been designed to complement advisers’ existing propositions rather than replace direct lender relationships. The group says advisers will retain client ownership while drawing on specialist packaging expertise and lender access.
Advisers within the network are able to use The Right Packager immediately via the group’s member website.
The Right Mortgage Group comprises The Right Mortgage & Protection Network and The Right DA Club, as well as group companies The Later Life Lending Network and The Right PMI & Healthcare.
Ben Allen (pictured), managing director of The Right Mortgage & Protection Network, said: “The Right Packager is about removing barriers for both advisers and their clients.
“Given we have an environment where mortgage cases are more complex and requiring of specialist solutions, we have decided to launch The Right Packager in order to help advisers meet this growing challenge.
“More cases now fall outside standard criteria, whether due to income structure, property type or client circumstances, and advisers may need deeper support to reach the right outcome without adding friction for the client.
“The Right Packager has been set up to give advisers that support while keeping them in full control of the client relationship.
“It allows advisers to retain ownership of the case, while benefiting from detailed placement and packager help, strong lender access and clear service standards. The aim is simple: to help advisers deliver complete solutions for all their clients.”
