Now live: The latest Mortgage & Property Investment special edition of IFA Talk explores how advisers can best support clients in complex or evolving circumstances.  In this episode, Jenny Hunter and Meg Bratley are joined by Laura Sneddon, Head of Mortgage Sales and Distribution at Hinckley & Rugby for Intermediaries. With over 20 years’ experience in financial services, Laura shares her insights on how advisers can unlock opportunities for borrowers through flexible, manual underwriting and a more tailored approach to complex cases.  Highlights from this week’s episode  Income flexibility – how lenders can support clients with irregular earnings such as bonuses, dividends, freelance work, side hustles or overseas income  Wealth transfer – the role of parents and families in helping younger buyers onto the property ladder, and how HRFI structures lending to reflect intergenerational support  Case studies – real-life examples of clients who are asset-rich but cash-poor, and how flexible lending can make a difference  Vulnerability – how HRFI’s Vulnerability Academy equips advisers with tools to navigate sensitive situations with confidence  Additional insights into specialist areas such as support for self-employed borrowers, opportunities in the visa buy-to-let market, and the unique needs of Scotland’s mortgage sector  This episode makes for a fascinating and timely discussion, shining a spotlight on the opportunities for advisers to deliver meaningful solutions in a rapidly changing borrower landscape and why collaboration with lenders such as HRFI can help ensure every client receives the right support.