Leading the way for Intermediarieswww.halifax-intermediaries.co.uk/premierWe're leading the way for intermediaries.At this time of year, the sheer number of professional clients looking to secure new mortgages with their year-end bonuses can seem like a mountain to climb for any broker. So it's good to know that the Halifax Premier team has the experience and expertise to deliver the larger loans they're looking for, quickly and efficiently.Essential knowledge and experience.We have an enviable track record of working closely with intermediaries, offering full case ownership including 'touch and resolve'. So whether you're working directly with our dedicated Premier team or through our cutting-edge online system, you'll always find our service fast and friendly.The right tools for the job.With the backing of one of the largest lenders in the market, you'll have access to a wide range of specialist products for loans up to £5 million, to help meet the specific needs of your most demanding and affluent customers.We won't keep you hanging around.Our online system only soft-footprints DIP's without affecting your clients' credit ratings, and you can even amend applications post-submission. It gives you the flexibility to instantly respond to your clients' needs and offer alternative lending proposals to keep everything moving.A team that knows the terrain.Being based in The City, we have an extensive knowledge of the types of properties, mortgages and borrowing schedules your clients will be looking for. That understanding means a more efficient service, faster decision-making and the assurance that we can help you turn that mountain into a molehill.Halifax Premier. All the help you need is on hand.FOR THE USE OF MORTGAGE INTERMEDIARIES AND OTHER PROFESSIONALS ONLY.The information within this advert is for professional intermediaries only. If you do not have the relevant professional experience, you should not rely on this information. It is not a consumer advertisement and should not be displayed or used as such. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.

The second phase of the project will launch soon. It will provide will-writing, trusts and probate services. It is a unique proposition. In developing the services we have looked at legal products that advisers use but decided we should do more.WE ARE PLANNING:A Bereavement Service to assist relatives of the bereaved. If the will is stored with one of our legal providers, this service is not chargeable when the bereaved need it.Will writing, coupled with pre-paid funeral plans and pre-paid probate. This will allow SBG advisers to offer clients the ability to ease the pain of loss for their relatives. Clients can organise their affairs and pay for it in advance. This bundle of products is extremely attractive as probate and funeral costs can take a sizeable percentage of the estate and costs have escalated fast. Buying non-regulated pre-paid plans enables clients to pay for these expensive items at today's prices. If the client only wants a will, that will be possible too.Trusts can be used innovatively to handle all manner of family circumstances. We have found, though, that there is quite a lot of uncertainty about their use. Therefore, we plan to place on our websites examples and case studies of where they can be used with links to other more detailed resources, where appropriate.We have searched extensively for the right partners. Our chosen partners will be able to accept referrals for most types of trusts; they have expertise in IHT mitigation, Charitable Trusts, Personal Injury Trusts, Vulnerable Persons Trusts, Asset Protection Trusts, Business Gift Trusts etc.We recognise that trusts are not the only answer however, especially when dealing with care requirements. We therefore have reviewed products and services and have reviewed SBG guidance on long term insurance and annuity for care products as well as investment product funding considerations. We explain local authority and NHS funding options and how in some instances trusts might benefit clients. These products will be exceedingly important in the future for clients and their families.An area that will be unique to SBG advisers is the ability to refer estate administration and probate work. We have agreed with our lawyers that when setting up trusts and administering trusts, the trustees will take account of the advice of the SBG adviser who made the referral. If an SBG Adviser refers a client's probate to our lawyers, they will be safe in the knowledge that the matters will be handled sensitively and professionally. We believe the executors and family will be in the hands of the best probate lawyers available. Once the probate process is close to completion, the probate firm will contact the SBG adviser to let him or her know the gifts and legacies are due to be paid. This will give the SBG adviser the opportunity to assist the beneficiaries to protect or invest their legacies. This will allow SBG advisers to advise future generations of a family about the wealth they have helped to generate and protect in the past. We have also launched our commercial service. If you have a commercial matter you need a lawyer to help you sell your practice, employ people, carry out commercial conveyancing or any commercial matter you just need to send an email to paul.lockyer@sesame.co.uk with details of the matter, a contact number and telephone number. The lawyers will arrange the rest.No other support company provides such comprehensive services for advisers and their clients in the UK. With these products, services and materials at your disposal and the great referral rates we have negotiated, we believe you will have the most compelling adviser proposition at your fingertips available in the UK today. THE SESAME BANKHALL LEGAL SERVICES PROPOSITION IS NOW JUST OVER SIX MONTHS OLDOver 200 SBG Adviser Firms are registered to use the conveyancing service and those using it are giving it excellent reviews. Based on adviser feedback, we are amending the Referral Engine to match Advisers' expectations.SESAME BANKHALLLEGAL SERVICES