[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M715AXTR8BJBTA75YF9T8Z16":3,"skill-same:01M715AXTR8BJBTA75YF9T8Z16":63},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":32,"linkOnly":33,"markdownContent":34,"markdownBody":35,"frontMatter":36,"refName":40,"commitSha":41,"skillDirectory":42,"forksCount":43,"repositoryHtmlUrl":44,"repositoryHomepageUrl":6,"ownerHtmlUrl":45,"ownerBlogUrl":46,"ownerDescription":47,"updatedAt":48,"install":49,"resources":62},"01M715AXTR8BJBTA75YF9T8Z16","mortgage-advisory-safety-protocol",null,"Work safely in advice firms, branches and online: a practical safety protocol for a mortgage adviser and home buyers and homeowners.\nTRIGGERS - Use when a mortgage adviser needs a safety protocol for home buyers and homeowners in advice firms, branches and online.","lionelsimai\u002Fclaude-skills-collection","lionelsimai","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F260158848?v=4","01M6CHZPS8G9TSB113TT0BBM6E","Lionel ","01M6CHZPXGW2SPE3BHQTGJ0S8J",38,"MIT","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fmortgage-advisory-safety-protocol\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28,29,30,31],"protocol","Safety","mortgage advisory safety protocol","advisory","home","practical","work","for","advice","triggers","branches","use","when","2026-11-10 10:12:30",false,"---\nname: mortgage-advisory-safety-protocol\ndescription: |\n  Work safely in advice firms, branches and online: a practical safety protocol for a mortgage adviser and home buyers and homeowners.\n  TRIGGERS - Use when a mortgage adviser needs a safety protocol for home buyers and homeowners in advice firms, branches and online.\ncategory: Mortgage Advisory\nlicense: MIT\nversion: 1.0\n---\n# Safety Protocol — Mortgage Advisory\n\nWork safely in advice firms, branches and online: a practical safety protocol for a mortgage adviser and home buyers and homeowners. The deliverable is a written safety protocol with checks, responsibilities and emergency actions.\nThis skill is written for a mortgage adviser working with home buyers and homeowners in advice firms, branches and online.\n\n## When to use\n- You are a mortgage adviser preparing, delivering or reviewing this part of your work in advice firms, branches and online.\n- You need a defensible, repeatable approach that produces a written safety protocol with checks, responsibilities and emergency actions.\n- A colleague, auditor or client asks how this was done and what evidence supports it.\n\n## Key Concepts\n| Term | Meaning |\n|------|---------|\n| Affordability | assessment of whether a borrower can sustain repayments |\n| Loan to value | the loan as a percentage of the property's value |\n| Offer | the lender's formal agreement to lend |\n\n## Workflow\n1. **Step 1** - Identify the hazards present in advice firms, branches and online for staff, home buyers and homeowners and visitors, starting with unsuitable product recommendations\n2. **Step 2** - Write controls in order: eliminate, substitute, engineer, administrate, then protective equipment such as mortgage sourcing systems\n3. **Step 3** - Set pre-start checks and stop-work authority — anyone can halt work that looks unsafe, without penalty\n4. **Step 4** - Define what happens when something goes wrong: first response, escalation, recording in fact finds\n5. **Step 5** - Review the protocol after every incident and at least annually; brief and re-brief everyone it covers\n\n## Profession-Specific Components\n| Component | Details for Mortgage Advisory |\n|-----------|-------------------------------|\n| Core documentation | fact finds; suitability letters; application records; product research |\n| Core tools & equipment | mortgage sourcing systems; affordability calculators; CRM platforms; conveyancing trackers |\n| People involved | home buyers and homeowners; the mortgage adviser; colleagues and other services in advice firms, branches and online |\n| Primary record | fact finds — keep it current, dated and attributable |\n\n## Output Format\n**Context:** [Situation in advice firms, branches and online] | **Objective:** [What this must achieve] | **Audience:** [home buyers and homeowners and other stakeholders]\n\nThe finished output is a written safety protocol with checks, responsibilities and emergency actions, structured as:\n1. Summary of position and evidence\n2. Detail, following the workflow above\n3. Decisions, actions, owners and dates\n4. Review point and escalation route\n\n### Action Plan\n1. **Immediate:** Confirm scope, consent and the evidence available in fact finds.\n2. **Short-term:** Complete the workflow steps and record outcomes against application-to-offer times.\n3. **Medium-term:** Review results, close actions, and update local procedures in advice firms, branches and online.\n\n## Success Metrics\n| Metric | Target | Method |\n|--------|--------|--------|\n| application-to-offer times | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| suitability audit results | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| client satisfaction | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| completion rates | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n\n## Guardrails & Quality Checks\n- Never let this happen: unsuitable product recommendations.\n- Never let this happen: affordability miscalculated.\n- Never let this happen: deadlines missed losing purchases.\n- Work only within the competence and authority of a mortgage adviser; escalate or refer anything beyond it.\n- Record facts and observations, not speculation, and keep records confidential to advice firms, branches and online's rules.\n- Verify names, dates, figures and measurements twice before anything is issued or signed off.\n- Use only real, verified information from the case in hand — never invent results, credentials or evidence.\n\n## Example (illustrative)\nA mortgage adviser in advice firms, branches and online applies this workflow for home buyers and homeowners: they open\nfact finds, work through the five steps using mortgage sourcing systems, and close by recording\nthe outcome against application-to-offer times and agreeing the next review date. (Illustrative example only —\nreplace with the real details of the case in hand.)\n","# Safety Protocol — Mortgage Advisory\n\nWork safely in advice firms, branches and online: a practical safety protocol for a mortgage adviser and home buyers and homeowners. The deliverable is a written safety protocol with checks, responsibilities and emergency actions.\nThis skill is written for a mortgage adviser working with home buyers and homeowners in advice firms, branches and online.\n\n## When to use\n- You are a mortgage adviser preparing, delivering or reviewing this part of your work in advice firms, branches and online.\n- You need a defensible, repeatable approach that produces a written safety protocol with checks, responsibilities and emergency actions.\n- A colleague, auditor or client asks how this was done and what evidence supports it.\n\n## Key Concepts\n| Term | Meaning |\n|------|---------|\n| Affordability | assessment of whether a borrower can sustain repayments |\n| Loan to value | the loan as a percentage of the property's value |\n| Offer | the lender's formal agreement to lend |\n\n## Workflow\n1. **Step 1** - Identify the hazards present in advice firms, branches and online for staff, home buyers and homeowners and visitors, starting with unsuitable product recommendations\n2. **Step 2** - Write controls in order: eliminate, substitute, engineer, administrate, then protective equipment such as mortgage sourcing systems\n3. **Step 3** - Set pre-start checks and stop-work authority — anyone can halt work that looks unsafe, without penalty\n4. **Step 4** - Define what happens when something goes wrong: first response, escalation, recording in fact finds\n5. **Step 5** - Review the protocol after every incident and at least annually; brief and re-brief everyone it covers\n\n## Profession-Specific Components\n| Component | Details for Mortgage Advisory |\n|-----------|-------------------------------|\n| Core documentation | fact finds; suitability letters; application records; product research |\n| Core tools & equipment | mortgage sourcing systems; affordability calculators; CRM platforms; conveyancing trackers |\n| People involved | home buyers and homeowners; the mortgage adviser; colleagues and other services in advice firms, branches and online |\n| Primary record | fact finds — keep it current, dated and attributable |\n\n## Output Format\n**Context:** [Situation in advice firms, branches and online] | **Objective:** [What this must achieve] | **Audience:** [home buyers and homeowners and other stakeholders]\n\nThe finished output is a written safety protocol with checks, responsibilities and emergency actions, structured as:\n1. Summary of position and evidence\n2. Detail, following the workflow above\n3. Decisions, actions, owners and dates\n4. Review point and escalation route\n\n### Action Plan\n1. **Immediate:** Confirm scope, consent and the evidence available in fact finds.\n2. **Short-term:** Complete the workflow steps and record outcomes against application-to-offer times.\n3. **Medium-term:** Review results, close actions, and update local procedures in advice firms, branches and online.\n\n## Success Metrics\n| Metric | Target | Method |\n|--------|--------|--------|\n| application-to-offer times | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| suitability audit results | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| client satisfaction | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| completion rates | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n\n## Guardrails & Quality Checks\n- Never let this happen: unsuitable product recommendations.\n- Never let this happen: affordability miscalculated.\n- Never let this happen: deadlines missed losing purchases.\n- Work only within the competence and authority of a mortgage adviser; escalate or refer anything beyond it.\n- Record facts and observations, not speculation, and keep records confidential to advice firms, branches and online's rules.\n- Verify names, dates, figures and measurements twice before anything is issued or signed off.\n- Use only real, verified information from the case in hand — never invent results, credentials or evidence.\n\n## Example (illustrative)\nA mortgage adviser in advice firms, branches and online applies this workflow for home buyers and homeowners: they open\nfact finds, work through the five steps using mortgage sourcing systems, and close by recording\nthe outcome against application-to-offer times and agreeing the next review date. (Illustrative example only —\nreplace with the real details of the case in hand.)\n",{"name":5,"license":15,"version":37,"category":38,"description":39},1,"Mortgage Advisory","Work safely in advice firms, branches and online: a practical safety protocol for a mortgage adviser and home buyers and homeowners.\nTRIGGERS - Use when a mortgage adviser needs a safety protocol for home buyers and homeowners in advice firms, branches and online.\n","main","c605eae5729892d78c0b76dfdd58d3533bb26a91","skills\u002Fmortgage-advisory-safety-protocol",5,"https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection","https:\u002F\u002Fgithub.com\u002Flionelsimai","www.theaicapitol.com","Founder at The AI Capitol | I help founders turn AI into 10X revenue through systems, not tools. Ex-Apple • Ex-TikTok 👉 http:\u002F\u002Flionelsim.substack.com","2026-11-09 07:48:48",{"source":8,"skillName":5,"commands":50,"prompt":60,"zipAvailable":61},[51,54,57],{"tool":52,"command":53},"npx","npx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-safety-protocol",{"tool":55,"command":56},"bunx","bunx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-safety-protocol",{"tool":58,"command":59},"pnpm","pnpm dlx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-safety-protocol","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fmortgage-advisory-safety-protocol\u002FSKILL.md",true,[],[64,84,97,110,127,141],{"skillNo":65,"name":66,"nameZh":6,"description":67,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":68,"categories":69,"keywords":70,"publishedAt":32},"01M71E7TB5HAR0K6EXB80YXBT7","youth-work-troubleshooting-guide","Diagnose and resolve common problems a youth worker meets in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a troubleshooting & problem solving for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-troubleshooting-guide\u002FSKILL.md",[],[71,25,72,73,74,75,26,76,77,78,31,79,30,80,28,81,82,83],"youth work troubleshooting guide","troubleshooting","troubleshooting guide","guide","problem solving","outreach","settings","common","people","worker","diagnose","problem","communities",{"skillNo":85,"name":86,"nameZh":6,"description":87,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":88,"categories":89,"keywords":90,"publishedAt":32},"01M71E7R3YHK4RAQVCRPB4CTXN","youth-work-tools-equipment-checklist","Select, check and maintain the tools and equipment a youth worker relies on.\nTRIGGERS - Use when a youth worker needs a tools & equipment checklist for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-tools-equipment-checklist\u002FSKILL.md",[],[91,25,92,93,31,79,30,94,80,28,95,26,83,96,76,77],"youth work tools equipment checklist","checklist","Tools","maintain","select","check",{"skillNo":98,"name":99,"nameZh":6,"description":100,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":101,"categories":102,"keywords":103,"publishedAt":32},"01M71E7NX1BMFEFBH01KCRJDEP","youth-work-supplies-procurement","Specify, source and manage the supplies and materials used in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a supplies & procurement for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-supplies-procurement\u002FSKILL.md",[],[104,105,25,106,107,76,77,79,30,80,28,108,109,26,83,31],"procurement","youth work supplies procurement","materials","source","specify","manage",{"skillNo":111,"name":112,"nameZh":6,"description":113,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":114,"categories":115,"keywords":121,"publishedAt":32},"01M71E7JVFP6P96GAT2VT9JY0D","youth-work-stakeholder-presentation","Present youth worker findings and proposals to decision-makers and stakeholders.\nTRIGGERS - Use when a youth worker needs a stakeholder presentation for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-stakeholder-presentation\u002FSKILL.md",[116],{"categoryNo":117,"categoryName":118,"taxonomyType":119,"taxonomyTypeDesc":120},"01JBSEEDCAT000000000000003","演示文稿","SCENARIO","使用场景",[122,25,123,124,26,125,83,28,126,76,77,31,79,30,80],"youth work stakeholder presentation","presentation","decision","proposals","present",{"skillNo":128,"name":129,"nameZh":6,"description":130,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":131,"categories":132,"keywords":133,"publishedAt":32},"01M71E7GE5VA1RG4XEM2GAZRFY","youth-work-session-delivery","Prepare for and deliver a professional session or appointment for young people and their communities in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a session delivery guide for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-session-delivery\u002FSKILL.md",[],[134,135,136,25,137,77,74,138,76,31,79,30,80,28,26,139,140,83],"delivery","work session","session","youth work session delivery","prepare","professional","deliver",{"skillNo":142,"name":143,"nameZh":6,"description":144,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":145,"categories":146,"keywords":150,"publishedAt":32},"01M71E7DQSMY2ZW1BF3A1Z0VJM","youth-work-service-plan","Design a realistic, measurable service plan for young people and their communities as a youth worker.\nTRIGGERS - Use when a youth worker needs a service plan design for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-service-plan\u002FSKILL.md",[147],{"categoryNo":148,"categoryName":149,"taxonomyType":119,"taxonomyTypeDesc":120},"01JBSEEDCAT000000000000015","视觉设计",[25,151,152,153,26,28,80,154,155,83,77,76,79,30,31],"service","plan","youth work service plan","design","as"]