Property market brightens…but will the Budget cast a cloud?

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In the financial services industry, building trust and establishing a credible brand image are essential for success.
One of the most effective ways to achieve this is through employee advocacy.
While compliance and industry regulations present challenges, they do not make employee advocacy impossible. Financial institutions can still thrive by adopting the right approach.
In this episode, Lesia goes Behind the Post to give an inside look at how she developed a compliant and successful employee advocacy program for her financial services company.
She shares proven tactics for encouraging employee participation while ensuring strict adherence to industry regulations. This includes the use of internal weekly newsletters to keep advocates informed about the latest content, her structured content approval process, and an internal academy where advocates must pass a compliance test before onboarding.
From establishing clear guidelines to navigating varying regulations across global teams, Lesia reveals everything you need to know to replicate her success in your own organization

While the average mortgage loan multiplier is around 4.5, some lenders have higher or lower maximum LTI. Most have a minimum income threshold for each income multiple. So a lender may offer 4.9 LTI if you earn below £40k and 5.5 LTI if you earn above it, for example

What is the mortgage multiplier for couples and joint mortgages?

If you take out a joint mortgage, lenders often use a slightly lower income multiplier for a combined income compared to what they would offer a single applicant. Each lender has their own rules, but not all of them combine the income of joint applicants in their calculation. Some might offer 4.5 x the highest earner’s salary + the lower earner’s salary, for example.
There are also lenders willing to consider more than 2 applicants on a single mortgage application, but most (not all) will only use the income of the 2 highest earners in their calculation in this case.

Lorem ipsum dolor sit amet

In the financial services industry, building trust and establishing a credible brand image are essential for success.
One of the most effective ways to achieve this is through employee advocacy.
While compliance and industry regulations present challenges, they do not make employee advocacy impossible. Financial institutions can still thrive by adopting the right approach.
In this episode, Lesia goes Behind the Post to give an inside look at how she developed a compliant and successful employee advocacy program for her financial services company.
She shares proven tactics for encouraging employee participation while ensuring strict adherence to industry regulations. This includes the use of internal weekly newsletters to keep advocates informed about the latest content, her structured content approval process, and an internal academy where advocates must pass a compliance test before onboarding.
From establishing clear guidelines to navigating varying regulations across global teams, Lesia reveals everything you need to know to replicate her success in your own organization

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If you take out a joint mortgage, lenders often use a slightly lower income multiplier for a combined income compared to what they would offer a single applicant. Each lender has their own rules, but not all of them combine the income of joint applicants in their calculation. Some might offer 4.5 x the highest earner’s salary + the lower earner’s salary, for example.
There are also lenders willing to consider more than 2 applicants on a single mortgage application, but most (not all) will only use the income of the 2 highest earners in their calculation in this case.

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