The Intermediary – June 2025 - Flipbook - Page 49
MEET THE BDM
landlords with no minimum income
requirements and more experienced
International Investors.
Our ORA account facility was built
specifically for international clients
who don’t have an established UK
credit footprint.
From a personal perspective, I love
how each BDM brings a unique set
of skills to the distribution team.
Our managers are always supportive
and know the industry inside out –
they really get what we’re offering
clients. Molo has a culture where
people respond quickly and share
knowledge freely. Everyone is
working toward the same goals.
What are the challenges
facing BDMs right now?
Being a relatively new BDM, I am
still working on building trust and
confidence with our broker partners.
It is something I keep focusing on.
Beyond that, we are all dealing
with much more competition now,
not just from other lenders but from
all the information brokers can easily
find online.
We need to keep proving that
talking directly to a BDM and getting
dedicated support is what adds
real value.
The mortgage industry keeps
changing, too – criteria shift, rates
change, and market conditions are
always moving. We must stay on top
of everything and adapt quickly.
Brokers expect a good service that
helps their business, and that goes
beyond, offering market insights
and advice.
Finding the right balance is key.
We need to use technology to be
efficient, but we cannot lose that
personal connection that makes
relationships work. It is a highpressure environment with lots of
volume to handle.
What are the
opportunities for BDMs?
Every challenge creates an
opportunity. Plenty of brokers
still prefer talking to real people
instead of just using digital tools.
Our business runs on daily calls and
face-to-face meetings, which puts
BDMs in a great spot to become real
strategic partners.
We can be the trusted advisers
who help brokers work through
complicated policies, structure their
deals and grow their businesses.
The market is flooded with generic
information, so when we offer
guidance that is personal and timely,
it makes us stand out.
The industry seems to be moving
back toward valuing relationships
over everything else. BDMs are
perfectly positioned to drive that
shift. We can build stronger trust
with brokers, while helping them
increase their business volumes at
the same time.
How do you work with
brokers to ensure the best
outcomes for borrowers?
I like to get involved with brokers
from the beginning of their journey,
making sure that they really
understand our criteria, calculators
and fees, as well as what we need
from them.
When borrowers have questions or
concerns, I am always there to give
them quick answers and support. It
keeps the whole broker-borrower
relationship running smoothly.
I try to stay on top of things and
be proactive. That way, I can help
brokers set the right expectations
and avoid delays, so everyone feels
confident about the process.
I also follow up regularly on
complicated cases and keep brokers
updated on policy changes. It means
they can offer solutions that really fit
their clients’ needs.
What would you like
people to know about you
outside of work?
I used to box and fence
competitively. Every year, I try to
pick up something new – dancing
and piano have been my most
recent hobbies. I make a conscious
effort to spend less time on social
media, allowing me to focus on real
experiences.
For example, meditation and yoga
have helped me feel calmer and
more centred. That sense of balance
carries through how I connect
with others. I find I’m more patient
and present, which has naturally
strengthened my relationships both
personally and in the workplace.
I find I can engage with people
more clearly, with less stress, and
just be more genuinely empathic
with them. ●
Molo
Established in 2017
Products
◆ Individual and limited company
BTL mortgages
◆ Standard BTL for single units
◆ Portfolio landlord support
◆ Specialist BTL for HMOs and MUFBs
Contact details
Agnes.Zhang@molofinance.com
0756294908
For more details of your dedicated BDM,
scan the QR code:
What advice would you
give potential borrowers
in the current climate?
Now, more than ever, successful
borrowing comes down to finding a
broker who is established and knows
the ins and outs of the market.
June 2025 | The Intermediary
49
