What do the most expensive parts of the country reveal about shifting demand? And why is the Manchester housing market now outperforming many southern counterparts?

In this episode of the Barclays Mortgage Insider Podcast, host Phil Spencer is joined by Lucian Cook, Head of Research at Savills, and Ross Jones, founder of Home Financial and Evolve Commercial Finance, to explore how regional trends are redefining the UK housing, mortgage and buy-to-let markets.

They take a closer look at London house prices and the ripple effect they’re creating across commuter zones. The conversation also turns to the Scotland housing market, which is showing late-cycle strength in key urban centres, and the Wales housing market, where contrasting conditions range from second-home hotspots to areas still grappling with post-industrial decline.

They also unpack what the increased professionalisation of buy-to-let means for brokers, and how factors like yield, transport connectivity and tenant demographics are shaping smarter investment strategies.

This episode is packed with insights on how shifting geography, affordability and yield are influencing buyer behaviour and why local knowledge is fast becoming a broker’s greatest asset.

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A rising number of borrowers are finding it harder to access mortgages due to being credit challenged - whether that’s from historic debts, a county court judgment, or having little to no credit history.

Research indicates that 14.8 million people in the UK have experienced adverse credit at some point, with 8.4 million affected in the past three years alone. For any mortgage broker, this growing segment of credit challenged borrowers represents not only a need for specialist support but also a significant opportunity to add real value.

In the latest episode of the Mortgage Insider podcast, Phil Spencer is joined by Eloise Hall, Head of National Accounts at Kensington Mortgages, and Alastair Douglas, CEO of TotallyMoney. Together, they unpack what it means to be credit challenged, the influence of the Buy Now Pay Later culture, how lenders are adapting, plus the lasting impact pandemic and the cost of living crisis.

They explore the role of specialist lending, the value of personalised advice, and how brokers can play a vital role in helping credit challenged borrowers not only access responsible mortgage solutions but also work towards a path back to prime.

With more people seeking debt advice and lenders introducing products tailored to meet complex credit needs, this episode dissects current market trends and offers practical insights into delivering better client outcomes.

 

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The mortgage market continues to evolve, and so too does the answer to the question: what is a high net worth individual in today’s market?

In this episode of the Mortgage Insider podcast, host Phil Spencer is joined by Stephen Moroukian, Head of Product and Proposition for Real Estate Financing at Barclays Private Bank, and Islay Robinson, founder and CEO of Enness Global. Together, they explore what brokers really need to know when supporting high net worth individuals.

The discussion covers the growing use of shorter term mortgages and interest only mortgages, often used to support wealth structuring or for managing cash flow across complex portfolios. In addition, they highlight how traditional affordability checks rarely reflect the financial realities of clients with multiple income streams, differing levels of liquidity, offshore assets, or business holdings.

The conversation also shines a light on how specialist private banks take a more holistic view, considering everything from bonus income and capital events to future earnings and lifestyle goals. From client expectations to marketing strategies, this episode is packed with insights for brokers looking to elevate their proposition in the high net worth space.

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An estimated 1.8 million fixed rate mortgage deals are due to expire in 2025, 400,000 more than in 2024. This surge in remortgaging presents a critical opportunity for mortgage brokers to offer essential advice and financial support to homeowners across the UK, ensuring they transition smoothly to new deals amid stabilising interest rates and heightened affordability checks.

 

In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Karina Hutchins, Principal, Mortgage Policy at UK Finance. Together, they explore the unique factors driving this spike in fixed-rate maturities, from the post-COVID stamp duty holiday surge to the volatile interest rate environment following the 2023 mini-budget.

The conversation focuses on the importance of affordability checks, the distinction between product transfers and full remortgages, and the value of the advice process. Further insights are shared on how brokers can help borrowers avoid payment shock when transitioning from their existing fixed -ate mortgage and on the types of financial support available, including the Mortgage Charter and lender-led initiatives - solutions that many homeowners may be unaware of.

This instalment also evaluates broader market trends, such as rising demand for longer-term fixed-rate mortgages and the evolving role of mortgage brokers as trusted strategic advisers.

It’s an essential listen for those looking to strengthen client relationships, grow their business, and navigate the 2025 remortgaging wave with confidence.

This episode was recorded on 11th March 2025.

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A recent report from Barclays revealed that right-sizing – when homeowners move to a more suitably sized property – could potentially free up 3.8 million homes and tackle the issue of 10 million unused bedrooms across the UK.

By supporting last-time buyers to make the move and release equity, this shift could help in unlocking the housing market and creating greater levels of movement across the entire housing chain. In this episode of the Mortgage Insider podcast, host and property expert Phil Spencer is joined by Sian McIntyre, Head of Acquisition & Engagement at Barclays UK Life Moments, and Jo Pocklington, Managing Director at Purplebricks Mortgages to evaluate this complex conversation.

Together, they explore what right-sizing really means, what’s stopping people from making the move, and why brokers should care – even when the customer may not need a mortgage. They also discuss the needs of last-time buyers, the benefits of releasing equity, and how developers, policymakers and families can all play a part in removing the practical and emotional barriers to moving.

Tune in for insights on later-life housing, stock shortages, affordability, and what needs to happen to get the market moving, from the top of the chain down.

Barclays’ Group Policy Development team creates public policy thought leadership content on behalf of Barclays. Our work draws on the bank’s expertise, data and insights, and is intended to inform the design and application of public policy solutions in response to pressing economic and societal challenges.

Barclays' report on Right-sizing can be found here:

https://home.barclays/content/dam/home-barclays/documents/news/Insights/Right-sizing-Revolution-Unlocking-Untapped-Capacity-in-the-Housing-Market-Report.pdf

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Who are Gen Z, and why are they rewriting the financial advice rulebook?

In this episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two industry thought leaders to explore how Gen Z navigates financial education through the digital world, their engagement with Finfluencers, and how brokers can use social media platforms to build trust and extend their reach to younger customers.

Joining the conversation are Dr Erika Anderson, Research Associate at the Financial Regulation Innovation Lab, University of Glasgow, and Tayo Oguntonade, former financial adviser, broker, TV presenter, and founder of Bricks with Tips.

Together, they examine the factors influencing Gen Z’s financial decisions, their approach to evaluating trustworthy advice, the role of social media in shaping their knowledge base, and how the intermediary market can adapt.

Tune in to this insightful discussion to discover how brokers can adapt, connect, and thrive in the Gen Z era.

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For many first-time buyers, the homeownership dream feels increasingly out of reach, with rising house prices and affordability challenges making it harder than ever to step onto the property ladder. As a result, gifted deposits from family - often referred to as the ‘Bank of Mum & Dad’ - have become a crucial source of support. But what about those who don’t have parental help? From high LTV mortgages to Joint Borrower Sole Proprietor arrangements and Shared Ownership, there are a range of available options.

In this episode of the latest Mortgage Insider podcast, host and property expert Phil Spencer is joined by Simon Betteridge, CFO of Kensington and Barclays Mortgages, and Paula Higgins, founder and CEO of the Homeowners Alliance to explore the different types of mortgages designed to help first-time buyers for those with, and without this financial support, including solutions for freelance and self-employed borrowers.

Within this discussion, the trio also assess the role of specialist mortgage brokers in guiding clients through these choices, ensuring they find the right path to homeownership and the key trends which are likely to shape the first-time buyer market in 2025.

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Ever wondered how Phil met Kirsty or what he really thinks about the UK housing market? In this special episode of the Mortgage Insider Podcast, Phil Spencer takes the hot seat as Barclays Business Development Manager Claire MacPhail flips the script and puts him under the spotlight.

Phil tackles your burning questions from across the intermediary market, covering topics such as tips for first-time buyers, current property trends, the state of the buy-to-let sector and the great north/south divide.

He also shares his opinion on the best and worst home improvements, shifts in demand and homeownership aspirations, the impact of AI, and the value of the advice process.

But that's not all, Phil reveals how he got into TV, reflects on his history with Kirsty Allsopp, and even settles the age-old debate: jam or cream first on a scone?

Tune in for expert insights, candid moments, and a few laughs with one of the most relatable voices in property.

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The Mortgage Mum is a business that has achieved impressive growth by embracing open dialogue, fostering an inclusive culture, leveraging flexible working, and adopting an innovative social media approach.

In this episode of the Mortgage Insider Podcast, Sarah Tucker, founder and CEO of The Mortgage Mum, joins host and property expert Phil Spencer to share her inspiring journey from competing on The Voice to leading a thriving team of nearly 30 female brokers. She candidly reveals the realities of managing a business with a family and addresses the unique challenges facing women in the mortgage industry.

Sarah also discusses her passion for finance education, aiming to embed mortgage literacy in schools to create healthier relationships with money. As a leader, she emphasises the importance of listening and adapting her approach to empower each team member, reflecting on how the industry is evolving to support female brokers more effectively. Championing a “lift as you climb” philosophy, she advocates for elevating women in finance and breaking down barriers.

Looking ahead, Sarah shares her vision for The Mortgage Mum in what proves to be a highly insightful, illuminating and inspiring conversation.

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The performance of the UK housing market in 2024 has largely exceeded many people's expectations, although challenges remain for first-time buyers due to house prices increasing and a testing rental market for many. Regional disparities, such as the North-South divide, also continue to influence housing accessibility and affordability for many buyers in pockets of the country.

In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Zoopla's Executive Director of Research, Richard Donnell, to discuss the intricacies of the UK housing market over the course of the year and explore what lies ahead in 2025.

They delve into its resilience amid high interest rates and inflation, exploring key topics including the current state of the residential and buy-to-let purchase markets, house price trends, and the rising prominence of professional landlords. They also cover the supply gap, the

impact of affordability checks, and the two-tiered mortgage market, highlighting refinancing, remortgaging and the influence of swap rates.

This instalment offers essential insights to help brokers stay informed on market developments as they prepare for the year ahead.

This episode was recorded on 30th September 2024.

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