Mortgage Insider

The UK rental market has undergone significant change following the introduction of the Renters Rights Act 2025, with new rules around tenancies, the end of Section 21, rent increases, tenant selection and how landlords can regain possession of a property.

But what do these reforms mean in practice for landlords and renters, and what should mortgage brokers be aware of when advising their buy-to-let clients?

In the latest episode of the Mortgage Insider podcast, host and property expert Phil Spencer is joined by Ben Beadle, Chief Executive of the National Residential Landlords Association, and Catherine Westerling, Executive Head of Residential Lettings UK at Hamptons, to consider what they mean for the private rented sector.

The discussion covers assured periodic tenancy agreements and Section 8 eviction grounds, alongside new landlord rent increase rules and growing tenant referencing problems. It also looks at the wider buy-to-let market, from the continuing imbalance between rental supply and demand to the growing use of buy-to-let company structures.

As the reforms become established, understanding their practical implications will become increasingly important, making this a timely discussion for advisers looking to meet a wider range of landlord needs.

This episode was recorded on July 3rd 2026

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Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments, understanding the options available at maturity is increasingly important for a range of homeowners.

In the latest episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by Caroline Ambrose, Managing Director of Mortgage Customer Journeys for Barclays UK, and Rachel Springall, Finance Expert at Moneyfacts, to discuss what the changing remortgage market means for brokers and their clients.
Drawing on Bank of England mortgage data, they consider the potential payment shock facing borrowers, with around 750,000 customers currently paying rates below 3% due to come off their existing deals by the end of 2026.

The episode explores product transfer vs remortgage, mortgage rate volatility and the launch of the new Barclays Fast Track remortgage proposition, designed to simplify switching and support brokers and borrowers through the process.

With mortgage shelf life falling sharply during periods of volatility, the discussion also looks at how brokers can help customers consider fees, flexibility, affordability and their wider circumstances rather than focusing on the headline rate alone.

As AI mortgage advice, social media and influencers increasingly become prominent sources of information, the value of trusted mortgage broker advice remains firmly in focus. With around £400bn of remortgage business estimated for 2027, the episode also looks at what lies ahead for brokers and their clients.

Now available to watch on Spotify.

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The UK housing affordability crisis continues to reshape the path to homeownership, with more young adults relying on family support than ever before.
 
Host Phil Spencer is joined by Hannah Aldridge, Senior Research and Policy Analyst at the Resolution Foundation, and James Tatch, Principal and Head of Analytics at UK Finance. Together, they explore the growing role of the ‘Bank of Mum and Dad’ and the rise of the ‘Hotel of Mum and Dad’ as strategies to overcome one of the biggest barriers in the market, which is deposit.
 
With saving timelines now stretching beyond a decade for many, and nearly 2 in 5 young adults living with their parents, their conversation reflects the reality facing first-time buyers across the UK today.
 
Drawing on insights from across the market, the discussion also looks at how lenders are responding through mortgage product innovation, from guarantor mortgages to higher loan-to-value options. The episode also addresses the broader challenges shaping the market, including intergenerational wealth inequality, interest rate uncertainty, and the long-term implications for those unable to get onto the property ladder.
 
For brokers supporting first-time buyers, navigating affordability challenges, or simply interested in how the market is evolving, this episode offers valuable perspectives you won’t want to miss.

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AI is playing an increasingly important role in the mortgage and home buying journey; shaping how consumers, brokers and the wider industry engage with technology, where trust sits, and what comes next.

Host Phil Spencer is joined by Dr. Carol McNaughton Nicholls, Managing Partner at Thinks Insight & Strategy and expert on human behaviour and financial decision making, and Chris Williams, Founder & Managing Partner of Novus Strategy, specialising in digital transformation across the property ecosystem. Drawing on insights from across the market, their conversation explores how innovation is transforming the mortgage journey, while highlighting the areas where human expertise still remains critical with AI around.

From AI-powered mortgage advice in the UK to the growing use of AI tools by brokers, they explore where the technology is already delivering impact. With consumer sentiment evenly split, 18% of UK consumers are enthusiastic AI adopters, matched by another 18% who remain sceptical, AI adoption is still gathering pace, particularly in areas like process automation, broker efficiency tools and AI-driven remortgage outreach. But the reality is clear: AI is firmly positioned as an assistant, not an adviser.

The discussion also tackles the balance between innovation and trust. With consumer opinion split, many clients are comfortable using AI for research but still expect a human in the loop when it comes to decision-making. That dynamic reinforces the broker’s role in guiding and reassuring customers through what remains a complex home buying experience.

Looking ahead, the episode considers what’s next? From better digital integration across the property chain to an evolving regulatory landscape, and what all of this means for the future role of brokers in an increasingly AI-driven market?

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The Scotland housing market 2026 continues to stand apart and for any mortgage broker Scotland-based, understanding the Scottish property market is key.

In this episode of Mortgage Insider, host Phil Spencer is joined by Colleen Badcock (Rightmove, Head of Partner Marketing and Property Expert) and Lynne Peterkin (First Mortgage, Managing Director, Scotland) to explore what it really takes to buy a house in Scotland. From how the Home Report shapes pricing and bidding, to the realities of offers over and the speed of transactions, they unpack how the Scottish system works including how long it takes to buy a house in Scotland, compared to Scotland vs England conveyancing speed.

With high demand from first-time buyers in Scotland, the conversation shares practical Scotland first-time buyer tips and how to get on the property ladder in Scotland. We also cover the technical detail such as Land and Buildings Transaction Tax (LBTT), the Scotland additional dwelling supplement tax, whether Scotland is a seller’s market, and why strong yields for Scottish landlords continue to attract interest.

The episode also dives into the data behind Scotland house prices, including regional differences in house prices in Scotland, and how the market compares. The guests discuss affordable homes in Scotland vs England to the key question: is it cheaper to buy in Scotland? Plus, trends around moving from London to Scotland, moving from South-East England to Scotland, and a full Scotland vs England property market comparison.

A focused, practical deep dive into one of the UK’s most distinct property markets.

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The 2026 housing market is shaping up to be a story of returning demand set against a continuing housing supply crisis, with new build homes at the centre of the challenge.

In this episode of Mortgage Insider, host and property expert Phil Spencer is joined by Neil Jefferson, Chief Executive of the Home Builders Federation, and Craig Hall, Director of Strategic Partnerships at LSL Financial Services, to explore the latest property market outlook and what it means in practice.

The discussion looks at how planning delays and policy changes are influencing new build delivery, and how this is affecting demand across the UK. It also explores current mortgage trends, how lenders are adapting, and the role mortgage rates and affordability play in shaping buyer behaviour.

A key part of the conversation focuses on first-time buyer challenges and the growing debate around Help to Buy alternatives. It also considers how homebuilders are adjusting to current conditions, and what this means for brokers. 

This episode offers a clear and balanced view of the factors shaping the new build sector and wider housing market, with practical insight into what brokers should focus on in an increasingly complex lending and economic environment.

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There has been no shortage of change in the UK economy, and mortgage brokers are having to help potential and existing homeowners interpret fast-moving headlines, swap rate turbulence and the potential direction of Bank of England interest rates. 

In this episode of Mortgage Insider, Phil Spencer is joined by Julian Lafarge, Chief Market Strategist at Barclays Private Bank, and David Baker, Managing Director of Brooks Mortgages, to break down what is driving current conditions and what brokers should focus on. 

They explore the link between oil prices, inflation expectations and central bank decisions, alongside the latest UK inflation forecast and what it could mean for future interest rate hikes. The discussion also explores the role of swap rates, why market pricing can shift so quickly, how the fixed rate mortgage market is being impacted, and what can learned from previous periods of disruption, from the credit crunch to more recent geopolitical shocks. 

The episode also looks at the human side of market volatility, from client anxiety to broker burnout, and why reassurance, perspective and early contact can make such a difference. The guests underline the value of staying close to existing clients, keeping renewals under review and helping borrowers make decisions based on their own plans rather than the wider panic. 

For brokers working through another period of uncertainty, this episode offers timely insight into the state of the UK economy, the outlook for those looking to remortgage and how to reassure clients while maintaining confidence and perspective.

For more information on the Mortgage Industry Mental Health Charter: https://mimhc.co.uk/ 

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For many first-time buyers, the home buying process can feel confusing, full of jargon and hard to follow. And with affordability concerns and rate changes still shaping the UK housing market, securing a first-time buyer mortgage can feel more daunting than ever for all too many.

In this episode of Mortgage Insider, Phil Spencer is joined by Louise Baxter MBE, co-CEO of Consumer Friend, and Kate Faulkner OBE, Chair of the Home Buying and Selling Council and founder of PropertyChecklists.co.uk, to discuss how the experience of buying a house can be improved for first-time buyers.

They explore why clearer language and better communication are vital when arranging a first-time buyer mortgage, and how many people still struggle to ask questions if they do not fully understand the information being shared.

The discussion also looks at how the challenge can be even greater for neurodivergent buyers, including those with dyslexia. Complex language, the volume of documentation and unclear explanations can make the process harder to follow, which is why using plain English, clearer layouts and simpler presentation can make a real difference.

Finally, the guests underline the value of strong mortgage broker advice, from checking a client’s understanding to explaining key points in different ways and giving buyers the time they need to make calm, informed decisions before pressure builds.

For brokers supporting an array of first-time buyer clients, this episode offers practical insight into improving outcomes, reducing stress and making the home buying process clearer from start to finish.

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The home buying process remains slow and uncertain for all too many. On average, it now takes around 120 days to complete a property purchase in the UK, a sharp rise since 2007, and around one in three deals still falls through. The cost of failed property transactions runs into billions each year and creates stress for buyers, sellers and mortgage intermediaries alike.

In this episode of the Mortgage Insider podcast, host Phil Spencer is joined by Justin Young, CEO of the Royal Institution of Chartered Surveyors (RICS), and Claire Beardmore, Director of L&G Mortgage Club, to look at why the home buying process takes so long and what could help improve outcomes across the market.

The discussion looks at how poor timing and late checks add delay, why repeating property surveys and searches wastes time and money, and how doing more work upfront could allow steps to run side by side rather than one after the other. They also explore what England can learn from Scotland’s home report system, as well as other countries with shorter timelines and far fewer fall-throughs, and why confidence in digitisation, reliable data and clear standards will be essential if change is to stick.

With reform work under way and more focus on upfront information, the episode sets out why mortgage intermediaries have such a key role in getting buyers ready early and staying close to developments that could shape how homes are bought and sold in the years ahead.

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Welcome to the award-winning Mortgage Insider - back for 2026.

Property expert and TV presenter Phil Spencer MBE will once again guide you through the trials and tribulations of the housing world.

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