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/

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