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?

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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

In this special International Women’s Day edition of Mortgages Made Easy, Emma Jackson, Director of Communications at Prestige Private Finance, explores the surprisingly recent history of financial independence for women in the UK and how it still shapes property and lending today.

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

Until 1975, lenders could legally refuse a woman a mortgage simply because of her gender. That’s not distant history. It’s within the lifetime of many of our parents.

Emma explains how laws such as the Married Women’s Property Act of 1882 and the Sex Discrimination Act of 1975 changed the financial landscape, allowing women to become independent financial actors in the property market.

But while legal equality now exists, structural realities such as career breaks, childcare responsibilities and income differences can still influence borrowing capacity, saving timelines and long-term wealth building through property.

This episode looks at why International Women’s Day is about context, progress and informed decisions, and how understanding the lending system helps individuals and families build long-term financial security.

#InternationalWomensDay

Spring has arrived — and the market has kicked into gear. 
- Listings at a 10-year February high
- More choice = stronger buyer confidence
- Mortgage rates near four-year lows
- Regional cities driving first-time buyer momentum
Stock is up. Rates are competitive. Activity is building.
If you’re thinking of buying, selling or reviewing your mortgage in 2026, this is the kind of market where preparation gives you the edge.
#UKPropertyMarket #MortgageRatesUK #LondonProperty #FirstTimeBuyerUK #HousingMarketUpdate

What role will AI, automation, and the FCA really play in the future of UK mortgages?

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 a senior leader from Legal & General Mortgage Services to unpack how technology, regulation, and market complexity are reshaping the mortgage industry.

They cover:• How AI is improving adviser productivity rather than replacing brokers• Why automation is accelerating behind the scenes in underwriting• Mortgage offers in minutes – and what that means for brokers• Where brokers risk becoming obsolete if they rely too heavily on tech• Why advice, not execution-only, is the real long-term value

With lenders still planning for 85 to 90 percent of business to come through intermediaries, the message is clear. Advice is not going anywhere. But the brokers who adapt, evolve and broaden their toolkit will be the ones who thrive.

If you want to understand how AI, regulation and innovation are shaping the next five years of the UK mortgage market, this clip is essential listening.

#mortgagemarket #mortgageadvice #ukproperty

We break down three major shifts that are currently tipping the market in buyers’ favour.

• Inflation has fallen to around 3%, its lowest point in 10 months, increasing expectations of a potential Bank of England rate cut in March or shortly after.

• Average monthly mortgage payments are now lower than this time last year, creating real savings, especially for London buyers and those remortgaging.

• Asking prices have also steadied, creating stronger negotiation opportunities. With inflation cooling, payments easing and markets preparing for possible rate cuts, being ready now could give buyers a serious 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

#MortgageMarketUpdate #UKProperty #HousingMarket #BankOfEngland #InterestRates #RateCut

Need help with your mortgage?

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

What really happens behind the scenes in the UK mortgage market?

In this episode of Mortgages Made Easy, David Jackson sits down with Greg Cunnington, Head of Lender Relationships at Legal & General Mortgage Services, to unpack how the industry actually works - from broker life on the frontline to influencing major lenders across the UK.

They cover:

• Starting in mortgages during the 2007 credit crunch

• How lender decision-making really works behind closed doors

• Why 100% mortgages are making a comeback

• The truth about dual pricing and broker frustration

• How AI and technology are reshaping underwriting

• What the FCA discussion paper really means for advisers

• Why first-time buyers may see real change soon

• Where the market is heading over the next 5 years

Greg shares unique insight from having worked both as a mortgage adviser and now at one of the largest mortgage clubs in the UK, giving a rare perspective from both sides of the fence. If you want to understand the future of mortgages, lender strategy, and where opportunity lies in today’s market, this episode is essential listening.

#legalandgeneral #gregcunnington #mortgagemarket