Neal Jannels is managing director of One Mortgage System (OMS) Would you, as a mortgage adviser, rather drive an hour to meet a client face-to-face (30 minutes there, 30 minutes back in a COVID-19 safe space) or have this conversation from your desk/home over a video call? Don’t worry, this is not a test, there are no right or wrong answers and nobody is judging you on your response. However, I think it’s an important question to ask as it encapsulates the value attached to face-to-face advice in the modern age, how important time is, where this time should be best dedicated, client expectations as lockdown restrictions are lifted and the role technology will play in the advice process moving forward.