Give your Customers a Unique Fee Justification Document
Print FSA Compliant KFIs for All Products
Use the Same Data as the FSA
HBSLite was launched in April 2008 in response to the problems caused by Lenders "Dual Pricing" i.e pricing their Direct products more cheaply than their Intermediary ones.
It was felt that the full blown Home Buyer System (HBS) was going to be more than most Advisors needed to be able to source both Intermediary and Direct products. The cut down version, HBSLite met with all their needs.
Comprehensive Sales process for Mortgages, Protection & G.I.
Source Direct, Intermediary & Retention Products
Give your Customers a Unique Fee Justification Document
Print FSA Compliant KFIs for All Products
Compliance Checking for Mortgages, Protection & G.I. (see CMIS)
Use the Same Data as the FSA
The Mortgage & Insurance sales system that produces the perfect file every time.
It does it by providing a system that produces all relevant documentation as the Advisor progresses through the sales process; making a very complex process a simple, straightforward tick box exercise.
The sales process has been built taking into consideration the FSAs Treating Customers Fairly (TCF) requirements and complies with this and all the other requirements of regulation too. Such as production of IDDs and KFIs, fact find, affordability checking, proof of research, compliance checklists, suitability letters and so on.
In a recent compliance audit one of our customers received the following conclusions from the compliance firm about his business:
"This firm prides itself on offering genuine whole of market fee based advice. It runs an excellent mortgage sourcing system which lists all mortgage products including those which are only offered by lenders direct to the public and for re mortgage cases where the lender is retaining the business."
"This fee based approach is attracting high quality clients who are loyal to the firm. Their files compliance and record keeping are excellent"
HBS mi-Zone is a portal for allowing you to access and manage leads entered by you, or from one of our lead generation systems, such as HBS Best Buys, mi-Introducer or the HBS Calculator button.
Using mi-Zone you are easily able to:
Add your own leads and manage mortgage / insurance applications
Allow your clients or introducers access to the system so they can view add or amend details
Upload and view files, scanned in images, or important documents relating to your client. All uploads are 256 bit encrypted.
Send messages to your introducers, clients, 3rd Parties and vice versa
Create a ToDo list for each individual relating to the application
Allow your Introducers access to the HBS online diary so they can see when you have free time and book in appointments for you
Access your own HBS Best Buys system, or allow your introducers to view your Best Buys system (if you have an HBS Best Buys subscription)
View statistics relating to the progression of leads, where they were generated and who passed them
Add managers to allow them total or partial access to the statistics of your leads
Publish useful documents to your introducers so they can use these in helping with lead generation
Put HBS Best Buys on your introducing offices websites to generate leads from multiple websites (additional HBS Best Buys charges apply)
Add Calculator Buttons to your estate agents websites to enable your clients to view average mortgage rates, then allow them to leave details which are sent to you.
The Home Buyer Systems Auto Best Buys application takes the stress out of creating best buy tables, and will show a constantly updating stream of mortgages on your website.
All you need to do is copy or embed a link into your website, and the latest best buys will then be displayed & updated automatically! It's that easy.
If you would like to change the best buy sections or what mortgage details are shown on your site, you can via the Best Buys system interface.
And the best part is when your customer decides they are interested, there's a 'Do I Qualify' link which will send you their details instantly!
What if I want to decide on my own Best Buys?
By using the original Best Buys application, you can create your own customisable best buys table of the latest & best mortgages according to you, showing your customers as much or as little information as you would like them to see. This table can then be published on your website, linked or embedded, printed on newsletters or linked in any way you would like.
So how does this generate leads for me?
When you have created your best buy table a link is automatically added next to each product which will allow your customer to click and express their interest. This link will then ask them to fill in a contact form which will be sent to you, or a short fact find which when completed will be directly imported into your Home Buyer sourcing system, or via e-mail if not using one of our systems.
Is this an online sourcing system for my customers?
The short answer is no, it does not allow your customers to source mortgages, or see any product information you do not want them to see (e.g lender name, product name, etc...)
Can I Email my tables to my customers?
For an extra £100.00 per year or £10.00 per month you can have up to minute Best Buy tables with embedded links that you can send to your customers.
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Web Calculator
HBS WebCalc produces leads from consumers browsing Estate Agents websites. It does this by placing an example mortgage repayment against each property as highlighted below.
Please click on the web site below to see our HBS Web Calc working with Robert Ellis Estate Agents
When the customer clicks it they get a 'pop-up' calculator that allows them to change any of the details and see what that produces as a monthly repayment, then request to be contacted.
This very simple process ensures that an opportunity that previously would be missed generates income for both Mortgage Broker and Estate Agent.
