Advertise on podcast: The Mortgage Conversation

The focus for this episode is - The rise of MIBs (multipleincome borrowers) and how specialist lending is evolving. Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams Lee Williams | LinkedIn Martin Reynolds Martin Reynolds | LinkedIn and Simon Walklin-Knight Simon Walklin-Knight | LinkedIn We discussed: Segment 1: The Geopolitical Shockwave Segment 2: The Pricing Paradox & House Price Slump Segment 3: what is the importance of broker development? Qualifications beyond CeMAP supporting?  Segment 4: The Outlook for H2 2026 Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠, are Lee Williams ⁠(7) Lee Williams | LinkedIn⁠, David Coleman ⁠(30) David Coleman | LinkedIn and Dan Gracie (30) Dan Gracie | LinkedIn We discussed: Multiple Income Borrowers (MIB) How is this market growing, how comfortable are firms with increased advice risk as cases get more complex?Market/Mortgage Brokerage Evolution How is the market evolving with firm consolidation, and what impact does this have on advice models?Packager Evolution Is the role of packagers changing, and how are they adapting to market evolution?Further View of the Mortgage Market What is the impact of AI- opportunity or threat- for packagers and brokers? Can AI replace packagers in case placement and document preparation? Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠ ⁠⁠⁠⁠BlueSky ⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ Facebook⁠⁠

The focus for this episode is ‘Build Baby Build’ centring on the Property Development Finance Market. Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn, Glen Franklin-Jones (9) Glenn Franklin-Jones | LinkedIn & Steve Iles (9) Steve Iles | LinkedIn  We discussed:  How is technology embracing the Property Development Finance Market  The importance of effective relationships during the entire project  Planning reform – how is the Government doing with its pledges  Top hints & tips for brokers and developers  Is 2026 going to be a good year Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.  Don't forget to follow our social channels...  ⁠⁠⁠LinkedIn⁠⁠⁠  ⁠⁠⁠BlueSky⁠⁠⁠  ⁠⁠⁠YouTube⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn,Mark Edwards (1) Mark Edwards | LinkedIn and Alice Waites (7) Alice Waites |LinkedIn We discussed: The Complex Lending Market vs The Specialist Lending Market - the rise of the mutualsPost budget - confidence in 2026Proc fees - the rise and fallRenters Rights ActThe UK Finance Market forecast for 2026 Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠,  Dan Gracie (9) Dan Gracie | LinkedIn  Andrew Montlake (9) Andrew Montlake| LinkedIn Past    Reflection on 2025…how has it been for ourguests? Affordability – Relaxation of regulatory rules,are they helping and are lenders doing enough? Present Budget implications,  what is coming and what might the impact be? Diversification - what has your business doneto meet the needs of today's borrower? Future Innovation - what is needed?     FCA DP25/2 the future of the mortgage market  One wish for 2026 Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, Head of Underwriting – John Reid, Mortgage Processing Manager – Max Moore-Chandler, Mortgage Underwriter – Shilpa Patel Today’s episode covers: Introductions to the team at Saffron De-mystifying the underwriting processWhat ‘good’ looks like, covering key topics such as application forms, income verification and bank statementsBest practice and how we can collaborate with our brokersPlease leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠Tony Hall⁠ is Saffron for Intermediaries National Sales Manager ⁠Lee Williams⁠, Business Development Manager ⁠Leah Kavanagh⁠ and Marketing Manager ⁠Ellie Deamer-Booth⁠. The panel discussed: The current market landscape, including broker sentiment, challenges, and opportunities. Key industry topics such as affordability pressures and reflections on 2025 so far. Leah’s first year as BDM, including her biggest transitions from adviser to BDM, what drives her passion, and advice for anyone considering the roleLee’s reflections on his first year as National Sales Manager, sharing experiences leading his team, key takeaways from 2025 and priorities for the year ahead. Ellie’s journey into marketing, what excites her most about the industry and tips for building a personal brand. ⁠Working In Mortgages - Shaping the future⁠ Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠,  is ⁠ Lee Williams | LinkedIn⁠, ⁠ Jon Stones | LinkedIn⁠ & ⁠Sophie Waugh |LinkedIn⁠ The panel discussed: Building a business from the ground upThe importance of professional adviceRecruiting and retaining quality mortgage advisorsThe biggest challenges facing mortgage business ownersCan lenders do more to support mortgage advisorsThe value of mentorsA look to what the market might look like in 5 years time ⁠https://www.mortgagestrategy.co.uk/opinion/blog-creativity-innovation-and-most-important-of-all-advice/⁠ ⁠WorkingIn Mortgages - Shaping the future⁠ Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠ ⁠⁠⁠⁠BlueSky⁠⁠⁠⁠ ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford, Paradigm Mortgage Services Director of Mortgages Richard Howes and we welcome back a friend of the show Anna Sagar Deputy Editor for Mortgage Solutions The panel discussed: Loosening of Lending Criteria – we are seeing a lot of lender criteria amendments, particularly around affordability.  Are lenders doing enough and doing the right things to innovate the market? Will the changes to lending rules make a difference? Rate cuts – whilst it is generally seen as positive that lenders are reducing their rates, with some lenders cutting rates as frequently as three times in two weeks, is this causing disruption and instability to the market? Buy To Let – Despite doom and gloom consistently predicted for the BTL market, landlords are still growing their portfolios – the panel discussed their outlook for the BTL sector. The FCA’s Mortgage Rule Review - is still a cause of concern to brokers and distributors, could this lead topoorer customer outcomes?  Finally, market predictions were given for the second half of this year. Here is the link to register for a Mortgage Solutions account to read Anna’s informative articles, https://www.mortgagesolutions.co.uk/account-registration/?src=banner    https://www.yourmoney.com/mortgages/lenders-allowed-to-breach-15-high-loan-to-income-ratio/ https://www.bbc.co.uk/news/articles/cj0mny9pm2do https://www.mpamag.com/uk/mortgage-industry/market-trends/rate-cuts-a-market-boost-or-a-cause-of-market-instability/542093   https://www.mortgagesolutions.co.uk/news/2025/06/26/almost-three-quarters-of-landlords-plan-to-grow-their-portfolios/ https://www.mortgagesolutions.co.uk/news/2025/06/13/fca-mortgage-rule-review-proposals-could-undermine-consumer-protections-and-marginalise-the-adviser-if-implemented-poorly-ami-ceo-says/ https://www.mortgagesolutions.co.uk/news/2025/06/16/removing-advice-trigger-is-wrong-answer-to-a-totally-different-question-ami-chair-montlake-says/ Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford, L&C Mortgages Head of High Net Worth Mortgages Rahul Nath and Independent James Principal James Carter The panel discussed: One year on, is the UK Government starting to deliver on it's housing promises?Regulation, will the latest proposals to make it quicker and easier to get a mortgage?First Time Buyers- we are staring to see the return of the 100% mortgage. Is now the right time for this type of home loan?Are we doing enough to help young professionals into home ownership? https://mortgagesoup.co.uk/housing-promises-vs-reality-will-the-government-deliver-on-1-5-million-new-homes/ https://mortgagesoup.co.uk/fca-wants-to-streamline-mortgage-rules-but-advice-still-matters-more-than-ever/ https://theintermediary.co.uk/2025/06/rushed-cp25-11-undermines-advice-consumer-protection-and-market-fairness/ https://www.theguardian.com/money/2025/jun/07/uk-mortgages-100-loans-are-back-will-they-work-for-you Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford, Advias MD Ed Checkley and Edwards Day MD Sam Day The panel discussed the recent Bank of England’sMPC decision to lower the base rate by 25bps. Complex Lending – are lenders doing enough tosupport this area of the market? Ed discussed how to use your pension to raise amortgageAffordability – the panel talked around the FCAannouncing plans to make it cheaper and faster to obtain home loans.  https://www.ft.com/content/b67ebebb-e118-4c8b-8c3d-b1fd4522ae32https://advias.co.uk/how-to-use-your-pension-to-raise-a-mortgage/Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, Saffron for Intermediaries National Account Manager ⁠⁠⁠⁠Phil Lawford, Luke Loveridge – CEO and co-founder of Propflo and Dan Gracie - Specialist Lending Director Panthera Finance. The panel discussed: ·  How the US trade tariffs may impact our market ·  The new Minimum Energy Efficiency Standards (MEES) is out for consultation until 2nd of May.  What is it's main purpose? What does it mean for landlords? ·   Is now the time to consider discount mortgages if rates are falling? ·   What is the confidence factor like for the rest of the year? https://www.mortgagestrategy.co.uk/news/boe-breeden-warns-tariff-chaos-will-hurt-uk-growth-as-rate-cut-bets-slip/ https://www.mpamag.com/uk/mortgage-industry/market-trends/trumps-tariffs-spark-a-uk-mortgage-rate-war/531512 MinimumEnergy Efficiency Standards (MEES) https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/ Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠ ⁠⁠⁠⁠BlueSky⁠⁠⁠⁠ ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠ is ⁠⁠Saffron for Intermediaries National Sales Manager ⁠⁠⁠⁠ Lee Williams⁠⁠⁠⁠⁠, Matt Surridge - Interim Sales Director Primis / Director of Linear and Rebecca Shuttle  –  Award Winning Principal Owner and Mortgage and Protection Broker at MIMA Mortgage and Protection Advice. The panel discussed the concerns raised by the self-employed when looking for a mortgage and how the industry has developed to support them.The growth of the Challenger and specialist banks market share.Collaboration being the key to making the most of specialist opportunities.How will AI shape the future for the mortgage market.Will lenders try to claw back market share from brokers. Blog: The self-employed are being let down, but the opportunity is there – MortgageStrategy The UK needs its self-employed, so why are we forgetting them? – Ward Challenger and specialist banks growing market share, report finds - Money Age Blog: Collaboration is key to making the most of specialistopportunities – Mortgage Strategy Lenders will try to claw back market share from brokers, Robert Sinclair warns Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠Tony Hall⁠ is ⁠Saffron for Intermediaries, ⁠⁠Phil Lawford ⁠⁠, Nicola Goldie Deputy Chair, IMLA and Head of Strategic Partnerships, Aldermore Bank and Laura Smith, BDM Saffron for Intermediaries. The panel discusses the roles of the Working in Mortgages Group and IMLA. The AMI 2021 viewpoint report and how we have moved on. What are the benefits within our industry of embracing DE&I. Concluding with the panels views on the recent MPC decision to reduce the UK's key interest rate to 4.50% - was it the right call? https://workinginmortgages.org.uk/wp-content/uploads/2022/09/Final-Viewpoint-DI-Report.pdf https://workinginmortgages.org.uk/ http://www.imla.org.uk/ http://www.imla.org.uk/news/post.php?s=2024-12-23-imla-predicts-healthy-lending-growth-for-2025-greater-intermediary-business-and-more-remortgaging -- Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. -- Don't forget to follow our social channels... ⁠⁠LinkedIn⁠⁠ ⁠⁠BlueSky⁠⁠ ⁠⁠YouTube⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠

Joining host Tony Hall is Saffron for Intermediaries, Phil Lawford and BDM Leah Kavanagh, and friend of the podcast and his first time on screen, Head of Marketing for John Charcol, Nicholas Mendes. The podcast starts with the performance of our new government, six months in. How have their policies and budget affected the market and what can we expect in the next six months? The panel discuss the latest report from Bank of England which has brokers up in arms. How achievable is net zero and how much is the housing market, and brokers, going to be responsible for the outcomes – the panel debate this from a homeowner and broker perspective. Finally, the panel discuss communication, and the role of AI in the sector. -- Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. -- Don't forget to follow our social channels... ⁠LinkedIn⁠ ⁠BlueSky⁠ ⁠YouTube⁠ ⁠⁠⁠⁠⁠Facebook⁠