Mortgages Made Easy Podcast

Season 2 Finale. David Jackson and Phil Moses sit down to wrap up the season - reflecting on the biggest lessons from two years of conversations, what's really been going on in the market, and what buyers, brokers and agents should be thinking about right now.From the origin of the word "mortgage" to what separates a good broker from a great one, the impact of government uncertainty on buyers, the future of AI in financial services, and why the buy-to-let market is in a strange place - this one covers it all.Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=allEpisode Chapters:00:00 — Welcome & Season 2 recap03:00 — How the market has shifted from Season 1 to Season 208:00 — Government uncertainty and the damage it causes to buyers14:00 — Why there's never a "right time" to buy — and why early is always better20:00 — How regulation and technology have changed the broker's role27:00 — AI in mortgages — helpful tool or overhyped risk?33:00 — What separates a good broker from a great one40:00 — Why responsiveness is the most important thing for introducers46:00 — The buy-to-let market — where is it heading?52:00 — What buyers and agents should be focusing on right now58:00 — One thing David would change about the property market#property #mortgages #prestigeprivatefinance

In this clip from the full-length episode, Neil McGimpsey - Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups makes the case that the current market is a genuine buying opportunity, not a reason to wait. With nearly two decades in property, from joining Foxtons in 2006 to leading a multi-brand platform spanning London, Scotland, Yorkshire and the North West, Neil unpacks why 4–7% mortgage rates are historically normal, why holding out for cheaper money could cost you more in price inflation, and how stamp duty reform, better PR for landlords and building more homes could fix the market.He explains why the real housing problem isn't people owning second and third homes — it's that we're not building enough of them and shares his personal (and not universally shared) view on shifting stamp duty liability to the seller.Whether you're a landlord, a tenant, a broker or just curious about where the UK property market is really heading - hit play, and don't forget to like, subscribe and share!Need help with your mortgage?👉 Get started here – https://www.prestigepf.co.uk/📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator📸 Follow us on Instagram – https://www.instagram.com/prestigepf/💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all#propertymarket #neilmcgimpsey #mortgages

Group Director at Lomond, one of the UK's largest multi-brand estate agency and lettings groups, with deep roots in residential sales, new homes and lettings across London, Scotland, Yorkshire and the North West.

Nearly two decades in property - from joining Foxtons in 2006 at the height of the boom, surviving the credit crunch and Brexit, working with national house builders and overseas investors, leading Druce, and now overseeing a multi-brand platform at Lomond including DJ Alexander, Linley & Simpson, Thomson Currie and more.

Whether you're a landlord, a tenant, a broker or just curious about where the UK property market is really heading - hit play, and don't forget to like, subscribe and share!

Episode Chapters:

00:00 — Neil's journey from Foxtons to Lomond

03:12 — How the London market has shifted: overseas investors, capital growth and the new reality

06:45 — North vs South: regional performance and the UK's growing property divide

10:20 — Multi-brand strategy: why Lomond keeps local brands instead of rebranding

14:08 — Adapting to tougher markets: experience, pricing and crafting deals when phones stop ringing

18:30 — Cultural differences: London vs Scotland vs the regions and customer expectations

22:15 — Buyers, sellers and rates: why now is actually a strong buying window

26:40 — Stamp duty reform, second homes and removing friction from the market

31:05 — Limited company structures, portfolio landlords and professionalising buy-to-let

35:20 — Renters Rights Act: cost pressures, compliance and what it means for landlords

40:18 — Tenant expectations, customer service and raising the bar in lettings

44:05 — The broker-agent relationship: why a great mortgage broker is invaluable

48:30 — Digital experience, AI and why the property journey is still broken

53:10 — Quickfire: myths, missed opportunities, Stockport, and where the market goes next

Need help with your mortgage?

👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠

📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠

📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠

💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠

#neilmcgimpsey #lomondgroup #estateagency

Where is the buy-to-let market really heading, and who's actually buying in 2026?

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

In this clip of Mortgages Made Easy, David Jackson sits down with Adrian Moloney, Group Intermediary Sales Director at OSB Group, to unpack where the real opportunities are in today's specialist buy-to-let market.

They cover:

- Why limited company purchases now dominate buy-to-let and how the 2016 tax changes flipped the market for good

- The hotspots: student towns, city centres and commuter zones and why the "everyone moved north" story doesn't hold up

- How the 5% additional stamp duty is actually playing out, and why it rarely stops a deal

- The new generation of landlords - including a late-20s investor running a £15–20m student portfolio

- The aging landlord community and the big succession question: pass it down, sell up, or get bought out?

- Why 1 in 5 people in the UK now live in rental accommodation and what that means for investors

- Why headline rates can mislead, and how product fees can quietly hit your equity at refinance

A sharp 8-minute look at where the specialist buy-to-let market is heading and what serious landlords need to be thinking about.#buytolet #mortgagebroker

#propertyinvestment #limitedcompany #landlords

Group Sales Director at OSB Group, one of the major stalwarts of the mortgage industry and a big player in the specialist mortgage market. Three decades in mortgages - from starting as an admin at Mortgage Trust in Epsom, to working on-site during the brokerage boom, to underwriting and BDM roles at Portman, helping launch Nationwide for Intermediaries from scratch, and now leading the specialist lending division at OSB Group with brands including Kent Reliance, Precise, InterBay and the newly launched Rely.Whether you're a landlord, a broker or just curious about how the specialist market really works - hit play, and don't forget to like, subscribe and share!Episode Chapters:00:00 — Welcome & Adrian's 30-year journey into mortgages02:42 — Life as a BDM then vs now: paper apps, walk-ins and pitching deals05:31 — Joining Nationwide and building intermediary distribution from scratch12:01 — Surviving the credit crunch as a lender14:12 — MMR and the shift that put intermediaries in pole position22:10 — Moving to OSB: scaling Kent Reliance and acquiring Precise26:43 — Buy-to-let, tax changes and the rise of limited company lending31:17 — Launching Rely: automated underwriting meets specialist lending36:00 — Stamp duty, portfolio landlords and where the hotspots are41:24 — Adverse credit, bridging and the off-high-street opportunity46:13 — The future of mortgage tech, AI and intermediary distributionNeed help with your mortgage? 👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠ 📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠ 📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠ 💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠#adrianmoloney, #osbgroup, #specialistlending, #buytolet, #mortgages, #davidjackson

What does it really take to break into high net worth mortgage broking, and why is the day to day so different from mainstream lending?

Need help with your mortgage?

👉 Get started here – https://www.prestigepf.co.uk/

📊 Try our Stamp Duty Calculator – https://www.prestigepf.co.uk/stamp-duty-calculator

📸 Follow us on Instagram – https://www.instagram.com/prestigepf/

💼 Connect on LinkedIn – https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all

in this clip of Mortgages Made Easy, David Jackson sits down with Hugh Wade Jones to dig into the mindset, skill set and relationships that separate high net worth brokers from the volume driven world most advisers come from.

They cover:

- Why the best brokers flip the model, spending 95% of their time catching and only 5% killing

- Being properly quantitative with clients, give them a time, not a vague "later"

- Why email kills momentum and the phone still rules in private finance

- How to genuinely care about clients, and why it shows in the work

- Picking the right banker inside a private bank, not just the right bank

If you want to understand what it actually takes to win, retain and grow ultra high net worth mortgage clients, this one is well worth a watch.

#highnetworthmortgages #mortgagebroker #privatefinance

Founder of Enness, co-founder of Ten Capital, and now CEO of international bridging lender Phinom.Three decades in high net worth financial services - from Alexander Hall in the Foxtons era, to building Enness into one of the UK's go-to high net worth mortgage brokerages, to launching and exiting Ten Capital, and now running Phinom from Monaco with lending across the UK, Monaco, Paris, the south of France, Spain, Portugal, Italy and the Caribbean.Hugh sits down with David Jackson to share the real story behind building, scaling and exiting businesses in the high net worth space - the pitch that got turned down at Alexander Hall, launching a brokerage weeks before the credit crunch, the brutal resets behind real growth, and the move from broking to lending on the international stage.Episode Chapters:00:00 — Welcome & Hugh's journey into financial services03:20 — Leaving Alexander Hall and the pitch that got turned down07:58 — Starting a business weeks before the credit crunch hit14:06 — The three stages of scaling: 0–12, 12–30, and 30–100 people21:08 — Building the Enness brand and redefining high net worth broking31:41 — Leaving Enness, launching Phinom, and the move to Monaco41:27 — Where brokers need to evolve (and the risk of AI doing them out of a job)46:28 — London's slippery slope and the global shift of high net worth wealthNeed help with your mortgage?👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠#hughwadejones #mortgages #lending #davidjackson

Mortgage rates just hit their lowest level in a month - here's what's actually happening 👇

• Rates have dipped slightly as we head into the new week after a volatile March
• HSBC, Santander and TSB have started reducing selected fixed rate deals
• This isn't a full turnaround - it's a gradual easing, and lenders are still reacting fast
• Middle East tensions are keeping energy prices and inflation expectations elevated, which feeds directly into swap rates (what lenders use to price mortgages)
• On the ground: buyer inquiries are picking up and refinancing activity is increasing
• Buyers aren't rushing — they're active but more considered

Rates are easing, lenders are adjusting, and buyers are re-engaging. But in a market like this, preparation is still your biggest advantage.

Need help with your mortgage?👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠

The market is shifting fast. Rates are climbing, deals are disappearing, and lenders are reacting in real time. Here’s what it actually means and why being prepared puts you ahead.

Need help with your mortgage?👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠

#mortgages #propertysector

Some major UK lenders including HSBC, Nationwide and Coventry have started increasing fixed mortgage rates as swap rates climb and global energy pressures push inflation expectations higher.

While rates remain lower than a year ago, buyers and homeowners should stay prepared as the market adjusts and lenders reprice deals.

Need help with your mortgage?👉 Get started here – ⁠https://www.prestigepf.co.uk/⁠📊 Try our Stamp Duty Calculator – ⁠https://www.prestigepf.co.uk/stamp-duty-calculator⁠📸 Follow us on Instagram – ⁠https://www.instagram.com/prestigepf/⁠💼 Connect on LinkedIn – ⁠https://www.linkedin.com/company/prestige-private-finance/posts/?feedView=all⁠

#Property #ukpropertymarket #mortgageupdates