Long term fixed Perenna offers flexible long-term fixed rate mortgages up to 40 years, targeting payment certainty and stability for homeowners, including retirees. This positions potential upsell opportunities with customers seeking predictable housing costs and long-term debt planning.

Expansion and integration Recent integration of Scroll Finance and plans to launch additional lending products, including first-charge buy-to-let and expansion into new lending areas, indicate opportunity for partner referrals, cross-sell of wholesale/commercial financing, and broker network expansion.

Broker and sales focus Appointing a Head of Sales and strengthening broker relationships suggests an active go-to-market in wholesale channels. This creates SDR/BDR opportunities to engage brokers for referrals, co-marketing, and bundled product offerings.

Retail deposits strategy Launch of retail savings via Raisin and Raisin partnerships highlights diversification into customer deposits. This provides a potential cross-sell path to existing mortgage clients and increases the funds available for lending growth.

Awards and credibility Recognition as Best Mortgage Industry Newcomer and notable growth activity signal credibility with distributors and investors. This can be leveraged to secure strategic partnerships, larger broker networks, and competitive positioning against incumbents.