In this episode, we're talking to David Thomas, Chairman of the Society of Mortgage Professionals.

The UK mortgage market has undergone a significant structural change in the last decade. Record low mortgage rates have been accompanied by the tightening of affordability rules, and loan-to-value ratios that are far less than those of the pre-credit crunch era.

The demise of defined benefit pensions has also led to a growing number pulling cash out of their property to fund retirement.

This podcast episode explores how the Society of Mortgage Professionals can effect positive change in the mortgage market.

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