Pipeline overview·Friday 14 August 2026

Pipeline overview

14 advisers · Leeds, Harrogate & York · appointed representative of Calderbank Financial Network

Live cases
148
£24.1m of lending in progress
Offers expiring in 30 days
23
4 not progressing
Completions this month
27 of 40
11 working days remaining
Protection attach rate
28%
61 completing unprotected
Fell through, 12 months
312
16.4% of cases started

Live cases by stage

148 cases · the number in brackets is how many have not moved in 14 days

Fact find & DIP
34 (3)
Application submitted
29 (5)
Valuation
22 (2)
Offer issued
31 (6)
Legals
26 (9)
Completing this month
6
StageCasesStalled 14d+Value
Fact find & DIP343£5.4m
Application submitted295£4.8m
Valuation222£3.6m
Offer issued316£5.1m
Legals269£4.2m
Completing this month60£1.0m
Nine cases at legals have not moved in a fortnight. That is where cases die quietly, because nobody owns the chase once the offer is out.

Where cases died

312 cases in the last 12 months, by recorded reason

Chain collapsed or seller withdrew
96
Client withdrew or went direct
71
Declined — affordability or credit
63
Offer expired before completion
44
Property down-valued
38
44 offers expired before the case completed. At an average procuration fee of £658 and £420 of protection commission, that is £47,400 of income lost to a date that was known months in advance.
Open the offer clock

Completions against target

Rolling 12 months · target 140 a month

110 130 150 Target 140 135 Aug Oct Dec Feb Apr Jun
MonthCompletionsMonthCompletions
Aug 2025118Feb 2026151
Sep 2025124Mar 2026127
Oct 2025131Apr 2026133
Nov 2025109May 2026145
Dec 2025142Jun 2026139
Jan 2026138Jul 2026135

Adviser pipeline health

Cases not touched in 14 days, by adviser

HBHannah Boakye1 of 14
JDJamie Dunlop2 of 12
SOSimi Oyelaran3 of 15
PWPaul Wetherby9 of 13
RKRuth Kilbride2 of 11
Paul has nine cases going cold. He is not lazy — he wrote the second-highest volume in the firm last quarter. He has no administrator and no list telling him which case needs him today.

Time in underwriting, by lender

Working days from submission to offer, against each lender's published service level

Published SLA Ashvale's actual
Aldgate Direct
16.1 d
Pennine Bank
12.6 d
Calderdale Mutual
9.4 d
Harrowgate BS
5.8 d
Sterling & Vale
6.3 d
Northbank BS
4.2 d
LenderPublished SLAActualVarianceLive cases
Aldgate Direct10.016.1+61%7
Pennine Bank8.012.6+58%11
Calderdale Mutual7.09.4+34%14
Harrowgate BS5.05.8+16%9
Sterling & Vale6.06.3+5%6
Northbank BS5.04.2−16%18
Ashvale cannot make Aldgate faster. It can stop advisers sitting on hold to find out where a case is, set the client's expectation on day one, and think twice before placing a time-critical purchase there.

Needs a person today

Ranked by what it costs if nobody acts, not by when it was raised

Item Client Adviser Position At stake Status
Offer expires — solicitor not responding P & D Raghunathan HBH. Boakye 19 days £1,667 Chase today
Offer expires — no completion date agreed K. Osunde PWP. Wetherby 24 days £1,190 Chase today
Offer expires — client unresponsive 3 weeks M. Threlfall PWP. Wetherby 28 days £980 Escalate
Application submitted 16 days, no lender update Whitcombe & Rae SOS. Oyelaran 16 days £2,240 Chase lender
Documents outstanding since fact find A. Lindqvist PWP. Wetherby 21 days £742 Chase client
Completing in 6 days with no protection conversation T. Nwachukwu JDJ. Dunlop 6 days £540 Duty risk
17 fixed rates end in 90 days, not yet contacted Back book RKR. Kilbride 90 days £11,200 Start outreach
Network file check — 2 responses overdue Calderbank Network SOS. Oyelaran 4 days late — Overdue
CPD hours behind for the year — 2 advisers Calderbank Network MRM. Reddy 4 months left — Behind
Rows open the case. "At stake" is the procuration fee plus expected protection commission — the money that disappears if the case dies.