Mortgage Insider

Following on from episodes which have focused on why buying a house is so complicated and the changing role of the mortgage broker, the latest instalment in the award-winning Barclays Mortgage Insider Podcast dusts off its crystal ball to predict the homebuying and selling journey of the future, what’s going on behind the scenes to make this happen and the future role of the mortgage broker.

Host and property expert Phil Spencer is joined by Maria Harris, Chair of the Home Buying & Selling Technology Group and John Reynolds, Chief Operating Officer and founder of Coadjute as they offer their thoughts on what the homebuying process might look like in 5, 10 or even 20 years’ time and how the intermediary mortgage market can keep up with any digital transformation.

This illuminating analysis charts the impact of AI, the importance of good data, open banking and the steps required to create a seamless end-to-end property transaction. It also includes a call to action for brokers to demand more from their tech providers, seek better connectivity and to continue pushing the tech boundaries.

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Following his appearances on Series 1, 2 and 3 of Barclays Mortgage Insider Podcast, William Hobbs, Chief Investment Officer at Barclays Wealth & Investments, is back by popular demand to help make sense of current economic conditions in his own inimitable style.

Will joins regular host and property expert Phil Spencer to carefully plot his way through what remains a mixed economic picture. Within the podcast, he outlines the ramifications of recent economic shocks, the role played by the media, interest rates projections, inflationary challenges and how technology can help regenerate the UK economy.

He also addresses fears of a new banking crisis, how the government can manage debt burdens accumulated over the pandemic and outlines the key areas for mortgage brokers to focus on in their daily business activities and throughout the advice process.

This episode offers some fascinating insights into the complex nature of the UK economy and how it reacts to domestic and world events.

This episode was recorded on 19th May.

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Evolving and adapting to meet ever-changing lending and borrowing needs is second nature to mortgage brokers. Which leads to the question - how are they doing business differently in 2023?

In the latest episode of Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by two mortgage brokers - Helen Pierson, director at Mortgage Advice Bureau, New Homes and Neil Ryner, director of Ryner and Partners - to discuss shifting client needs and the impact on the advice process.

Within this discussion, they tackle a range of topics ranging from how to advise a generation of borrowers who haven't experienced an interest rate rise through to the importance of realigning business practices and marketing efforts to align with current market conditions.

The trio also address the pace of change throughout the mortgage industry, the difference between information and advice, the ongoing need for education and training, the impact of consumer duty, and the difficulties of identifying and servicing the needs of vulnerable clients.

This offers a fantastic insight into the life of a mortgage broker and the demands faced by themselves and their clients in the current economic climate.

This episode was recorded on 11th April.

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Buying a house remains one of life’s most stressful events but is the methodology too onerous, lengthy and overly complex?

This is the question, amongst many others, which was posed to representatives of three of the most prominent components in the homebuying process - the mortgage broker, the estate agent and the conveyancer.

Episode 8 of Barclays award-winning Mortgage Insider podcast sees mortgage broker Tom Jackson, managing director at Cooper Associates, Peter May, sales director at estate agency Location, Location and Suman Dally, head of conveyancing at law firm Shoosmiths join regular host and property expert Phil Spencer to provide an in-depth overview of the homebuying and selling journey.

This discussion includes their individual takes on the procedures involved in this journey, the importance of preparation and education for buyers and sellers, the reliance on government and trade bodies, the impact and limitations of technology, and how to speed up the transition from offer to exchange.

It’s vital for all links in the homebuying chain to find better ways to improve the customer experience and this podcast offers a great starting point to help transform what can be a sometimes archaic process.

 

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The UK mortgage market has always generated a huge variety of ways to help people achieve their homeownership goals and, despite operating in a higher interest rate and inflationary environment which is placing additional pressure on affordability, an array of mortgage products remain available to meet individual borrowing needs.

In the latest episode of Barclays Mortgage Insider podcast, regular host and property expert Phil Spencer chats with Rebekah Commane, Group Editor of Mortgage Strategy and Mortgage Finance Gazette and Michael Clarke, Product, Policy and Regulatory manager at Barclays to evaluate the many different types of mortgages currently on offer.

The discussion transitions from the multiple options available for first-time buyers through to the nuances of the Offset mortgage. It includes an in-depth look at Barclays Family Springboard mortgage, the Joint Borrower Sole Proprietor option, the appeal of tracker mortgages and a number of government and lender-led ways to bridge the gap left by the closure of the Help to Buy scheme.

This comprehensive overview of the current product arena also focuses on how to integrate a range of offerings into the advice process and how to think differently about mortgages in 2023.

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Mortgage brokers have always been on hand to support and deliver solutions for a variety of borrowers on what remains one of the largest and most emotive financial decisions they are ever likely to make. But how has the mortgage advice process changed following a string of events which have put personal and household finances under even greater scrutiny and resulted in an increasingly complex housing and mortgage market?

Host and property expert Phil Spencer speaks to Andrew Montlake, managing director of Coreco and chairman of the Association of Mortgage Intermediaries (AMI) and Charlotte Bates, co-founder of BatesWilcox Mortgage Solutions about the evolution of the mortgage advice process, how people are looking to receive this advice in the modern age and the challenges and opportunities facing mortgage brokers in the current market.

The latest episode in series 4 of Barclays award-winning Mortgage Insider podcast also sees the trio discuss the impact of technology, explore how to develop relationships with clients remotely, the use of social media, mental health and well-being in addition to how the industry is embracing diversity, inclusion and equality.

They also offer their predictions for the rest of 2023 and beyond as brokers, borrowers and lenders adjust to the new interest norm.

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With awareness rising over the environmental and cost implications generated by greater levels of energy efficiency within our homes, it’s little wonder that potential buyers are exploring the benefits of purchasing a new build property.
In Episode 5 of Barclays award-winning Mortgage Insider podcast, Matt Aston, Head of New Build at Barclays and James Holmear, Group Sales Director at Redrow join host and property expert Phil Spencer to gauge the temperature of the new build sector.

They evaluate how an increased consumer focus on energy efficiency is positively impacting the sector, the cost differentials between running a new home compared to older property types, retrofitting, sustainability, financing and the benefits attached to purchasers working with a broker for new builds. Topics which make for a wide-ranging and highly engaging discussion.

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The buy-to-let mortgage market has experienced many highs and some lows over the years but in the wake of speculation around a potential great buy-to-let property sell-off, what impact are recent events having on landlords and mortgage brokers?

The latest instalment in Series 4 of Barclays award-winning Mortgage Insider podcast sees host and property expert Phil Spencer canvass the opinion of Aneisha Beveridge, Head of Research at Hamptons International and Michelle Leyland, specialist BTL mortgage broker at South Yorkshire Money on the current and future state of the buy-to-let sector.

This discussion includes a focus on the rise of the limited company structure, the impact of a higher interest rate environment, the changing landlord profile, Build to Rent and the types of conversations advisers need to be having with their landlord clients.

With landlords needing more guidance than ever before and additional support with their scenario planning, this is an episode which mortgage advisers and landlords can’t afford to miss

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The value of mortgage advice continues to rise in line with the number of challenges facing a variety of homeowners and potential buyers across the UK housing market. Challenges which are generating a host of difficult conversations between clients and mortgage advisers.

Episode 3 of Barclays award-winning Mortgage Insider podcast sees host and property expert Phil Spencer sit down with two highly respected and experienced mortgage advisers - Jane King, mortgage adviser at Ash-Ridge Private Finance and Sonya Matharu, senior mortgage broker at The Mortgage Mum - to explore how their client engagement has changed in recent times and how they are addressing some difficult conversations.

The trio cover a range of topics including the impact of the media, how to better prepare for such conversations, the importance of knowing your client as well as offering some examples of tricky exchanges and financial revelations which potential buyers have and haven’t made.

This proves to be an eye-opening and enlightening discussion.

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Consumer Duty is currently the hottest topic across the mortgage market and, with new rules coming into force on 31 July 2023, it’s an area that no business can afford to ignore.

In the latest episode of the award-winning Mortgage Insider podcast, host Phil Spencer carefully navigates this complex issue with the help Richard Merrett, director of strategic relationships at SimplyBiz Mortgages and Melanie Spencer, head of finova Payment and Mortgage Services.

The trio discuss the main principles of Consumer Duty, its impact on the intermediary market, how to better engage with individual clients and the importance of reviewing pre and post-sale processes. They also offer a host of practical tips and examples of good practice to help brokers document and deliver good consumer outcomes.

This proves to be a highly insightful discussion into what the FCA has described as a ‘paradigm shift’ in what it expects from firms.

 

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