Brokers Introducers Intermediaries Affiliates

Find out how you can help your business grow during the recession and make up to £21,286 in our affiliate scheme by informing your clients about an alternative way of buying and selling a residential property in the United Kingdom.

The need for good financial intermediaries doesn’t disappear because we’re in economic turmoil, so we want to show you how you can easily turn this natural need for recession solutions to your advantage. You can boost custom and income for your business, and contribute to bolstering the housing market, by joining our efforts to raise awareness about residential property lease options. There’s no cost to you apart from a little of your time, and we will provide you with the information and tools you need to get started. By joining our programme you can:

demonstrate that you are a smart financial intermediary who really puts your clients' need first
raise your clients’ awareness of an innovative way of buying and selling UK residential properties
use your existing contacts to benefit from a regular commission income for a little initial effort
increase your chances of clients coming back for your full range of brokerage services

You need to win your clients’ confidence and demonstrate that your services are worth paying for. Unless you can show you are a broker who puts your clients’ needs first, who goes the extra mile to give good advice, you will always be perceived as expensive, even if you charge minimal fees. But clients know that good, reliable information also matters, especially now, so your brokerage fees don’t need to be the critical decision factor in holding onto or securing new clients.

Remember the economic crisis does not remove the need for financial products and advice, but these are severely restrained by lack of available finance on the market and cash in people's pockets. In February 2009 the Intermediary Mortgages Lenders Association (IMLA) called on the government to "put its money where its mouth is" in order to trigger "positive news on the home ownership front", but in a global economy the UK government cannot change the situation quickly or on its own. With conflicting opinions on when this recession will end – some say later this year, others mid 2010, and some are even more pessimistic and suggest recovery may not happen before 2012, if at all – you have to take action now to trigger your own ‘positive news’.

That’s why I’m encouraging you to join our awareness-raising programme about a different approach to residential property sales.

Back in June 2008, when analysts were busy writing about yet another theory of what really caused the credit crunch, we at UK Property Ladder realised that, although the number of housing transactions was going down drastically, the need for home ownership had not disappeared. Instead the act of buying a house became severely restrained by lack of finance on the market. Although some buyers initially welcomed a downward house price direction, their joy was curtailed by new lending criteria with excruciatingly low loan-to-value requirements. The graphs below summarise the situation well.

Dr Peter Williams, Chairman of Acadametrics, commented in his March 2009 FT House Price Index (FTHPI) report, “The average price of a home in England & Wales at £200,086 is down nearly £32,000 (£31,738) since its peak in February 2008 at £231,824’. Even if you don't like the idea of a national average house price index, the FT regional indexes show that all regions have experienced a negative growth in nominal terms as measured by the FTHPI three-monthly average. The South East, for example, has witnessed the sharpest annual fall at -14.7%, followed by London at -13.2%.

With everybody on the lookout for any kind of recovery sign, we noticed a small increase in residential property lease options and decided to find out more. We were so impressed with this innovative method of buying and selling properties that we decided to start raising awareness among our property investor friends. We got tremendous feedback and realised that this is a real positive news story, not only for home owners but also for property investors and landlords, solicitors and financial intermediaries.

Even if you don't like the fallacy of any national average house price index, the FT regional indexes show that all regions experience a negative growth in nominal terms as measured by the FTHPI 3 month average. The South East for example has witnessed the sharpest annual fall at -14.7% followed by London at -13.2%.

We have put together a package of different information resources and services to help home owners and intermediaries take advantage of lease options. By joining our affiliate scheme you will help to promote awareness of lease options. In return we will reward you with commission income on referrals, and we believe you will also benefit from increased custom for your own services. Have a look at some of the information we offer:

Speaking at the Abbey Key Accounts Conference in Sunningdale on 31st March 2009, Chris Cummings, director general of the Association of Mortgage Intermediaries (AMI), said that the number of mortgage brokers could halve by the end of 2009:

“If current trends continue in the market an unfortunate byproduct would be a reduction in the number of mortgage intermediaries from a peak of 30,000 at the end of 2007 to a low of around 15,000 by the end of 2009.”

The only remedy for business suvival is what the AMI recommended:"business diversification! The AMI also recognises that there’s still demand for brokers but the current economic turmoil leads to a "flight to quality". We've already given you our suggestion on quality in prompting you to put your client needs first, and now we want to show you could to participate in our Lease Options awareness campaign and male simple. efficient and profitable business diversification tatical move.

The experience of brokers is also telling:

"Until lenders’ products are more competitive, buyers will not commit to purchase properties and the housing market will continue to fall, giving clients more problems in re-financing their properties and creating more arrears and repossessions, all of which will worsen the market and property values.”

"I used to love my work, I lived to work, rather than worked to live, but this has now changed. I have 23 years’ experience in financial services and I thought I would have my business well into semi-retirement, but I don't know now if I want to put myself through many more years of this. I have just spent another 3 hours dealing with a lender who is asking for an 8-page document to prove WF tax credits, which is evidenced on 4 months’ bank statements (when they do not even need to use this income), and by the way this is a 51% straight re-mortgage with A credit rating. Am I on a different planet? ET call home!!”

The AMI’s recommendation to ensure business survival is diversification. It recognises that there’s still demand for brokers but the current economic turmoil is prompting a ‘flight to quality’. As part of putting your clients’ needs first, we want to show you how participating in our lease options awareness campaign can also be a simple and profitable tactical move towards diversification.

How the scheme works

Let's assume that as a finance intermediary you have a client email list of 500 people who have agreed that you can email them further information related to your services (and you must have this permission so you do not fall foul of spam email restrictions). We will provide you with the text of a carefully written email letter with information on lease options (which you can modify slightly to suit if you so wish) to send to your client database. The email will contain your personal affiliate information in order to track the number of people who visit our website following the links in the letter. When your referrals purchase products or services from our site we will reward you with affiliate commission income.

For example, should some of your clients visit our site and download the first free chapters of our flagship ebook Assured-Positive-Cashflow, and within a month just 7% of your clients buy the ebook with no bonuses you will effortlessly have earned £275.63 in commission, and if 7% buy the ebook with bonuses you will earn a further £582.75, a total of £858.38, simply by sending the email. No selling, no pressure, no chasing up, no phone calls! Just a simple awareness and educational email earns you £858.38. Not bad, don't you think?

Assuming continued referrals, your commission income has grown by £1,440 to reach £4,186.80 (£882.00 + £1,864.80 + £1,440.00). By sending our awareness-raising email you have developed a good business diversification strategy, as recommended by the AMI.

Further down the line, if at least 2% of your prospects become interested in selling their property on a lease option and they opt for our Landlord Handsfree Lease Option Service, we will reward you further for sending out that simple awareness email. This time the commission is greater because the service is more expensive.

For clients who want to handle the Lease Option Property sale themselves, we provide Lease Option Template Documents free of charge. And yes, you've guessed it, it's our way of thanking your clients.

So in summary, we want you to have a lifetime commission on all the services we provide when we've tracked that you have referred a customer to us.

So what’s the catch?

There isn’t one! You earn a potential £21,286.80 bonus income from a single email using materials we provide for you. And you’ve developed an effective business diversification strategy. You have nothing to lose but everything to gain, so act today!

What will it cost?

It doesn’t cost you anything financially. All you contribute is a little time to send out an awareness email to your client database.

Promoting your own services

What happens if your referred clients need a mortgage or a loan once they’ve decided upon a lease option? Well, they are your clients, so you keep that privileged relationship with them and are free to offer your full range of services and advice. In fact you’ve enhanced that relationship by making them aware of an innovative and value-added service.

What does UK Property Ladder get from the scheme?

We raise awareness about lease options and we hopefully sell more of our informative ebooks, templates and services.

We are only looking for 150 people, the smartest brokers, introducers and intermediaries who want to maintain or increase their income during this protracted period of recession, so you need to act fast to join the affiliate scheme.

Click on the play button to hear Antoinette Joseph
one of our affiliates.

When you join us we will offer you ongoing support to get the best out of the affiliate scheme, including:

Joining the affiliate scheme is easy. Just fill in the form below, making sure you complete the mandatory fields indicated in bold. Remember to read the terms and conditions first, which will open in a separate window when you click on the link. You can change your details later once you have signed in so don’t worry if you can only use temporary information at this stage.

NB In the Name field enter your first name only (the surname field is at the end of the form). In the Checks Payable To field enter the exact name that commissions should be payable to. If you would prefer to receive commissions by PayPal leave this field blank and tick the Pay me with PayPal box later in the form.

I want to join the affiliate programme and get started today!
I understand that your team can fully support me and I agree to the terms and conditions of the scheme.