In the final episode of this year, Riz Malik (leader), Lewis Shaw and Jamie Lennox review 2025 and discuss their outlook for 2026: Merry Christmas and a Happy New Year.

Lewis Shaw, Riz Malik and Jamie Lennox discuss the recent budget and other things.

This week on The Broker Collective we’re diving into a side of the industry that most brokers love to hate: compliance. But before you yawn, trust us, this one’s not paint by numbers FCA chat.

We kick off as always with the usual TBC chaos. Riz is back from Dubai still declaring himself Mister Worldwide, Jamie’s on a TikTok Live crusade, and Louis is just trying to keep control of the self appointed TBC dictator.

From there, things get spicy as we break down what really happened at the latest Bank of England MPC meeting, the 5–4 “hold” vote that left everyone guessing, why Rachel Reeves’ latest tax hints have landlords sweating, and whether EV owners are about to become the next easy tax target.

Jamie calls time on trying to predict rates saying “I’ve given up caring, they’ll go where they go,” while Riz delivers a mini economics lecture on inflation, bond markets, and why we’re still stuck paying some of the highest energy prices in the world.

Then we get into the real meat of it, the housing market. Are house prices really set to rise 22 percent by 2030, or are we due for a major correction? We debate Savills’ forecast, the six and a half times income mortgage era, and whether a tech bubble style blow off is coming.

Jamie thinks it’s all feeling a bit lofty. Riz argues that supply and demand still rules. Louis wonders if the government’s constant safety nets are just creating moral hazard.

It’s part therapy session, part housing market autopsy.

Then we’re joined by special guest Matt from KMS Consultancy, a compliance specialist who somehow manages to make compliance actually interesting. Matt’s a former FCA insider who’s now helping brokers navigate the real world side of Consumer Duty, social media rules, and protection conversations, all without the jargon.

We talk: 💬 When a live or TikTok counts as a financial promotion ⚖️ How far brokers can sail close to the wind before falling foul of the FCA 📲 Why influencers are now in the regulator’s crosshairs 🏠 And how far you should push protection advice before it turns into a compliance nightmare

Matt drops practical gems throughout, from documenting client declines to writing disclaimers that actually work. He’s also building an AI powered app to help one man bands stay compliant without paying compliance officer money.

By the end, even Riz admits compliance might not be the enemy after all.

This episode’s a reminder that: • Brokers have more power and responsibility than ever to educate clients • Financial literacy across the UK is still painfully low • And if we don’t keep the bar high, the FCA or the finfluencers will do it for us

So whether you’re a broker, adviser, or just love hearing three grown men argue about inflation, house prices, and TikTok disclaimers, you’ll want to tune in.

Lewis, Jamie and Riz (dialling in “Mister Worldwide” style from the UAE) unpack a lively October: slow start, strong finish, and why December sits on a knife-edge for property demand. They debate “complete now or wait for the Budget,” stamp duty vs a mooted annual property tax, falling swaps, and whether a base-rate cut lands in November or December.

On the business side, Lewis shares what’s working in organic social (Calendly flows, Linktree, DMs, and why followers matter less than watch-time), plus honest chat about burnout, boundaries over Christmas, and automations to hit January running.

Special guest Sam Lappin (Sesame) lifts the lid on AR vs DA routes, why many firms are switching networks, the underrated power of delegation, and the industry’s “new blood” problem. The crew close with 2026 prep: know your numbers, build a real community (not an echo chamber), and stay agile—because policy and sentiment could flip fast.

In this episode the band is back together and discusses the latest moves in the mortgage market.

In Episode 41 of The Broker Collective, Riz Malik, Jamie Lennox, and Lewis Shaw dive straight into the political and economic storm clouds forming over the mortgage market.

Fresh from holiday, Riz shares his thoughts on Rachel Reeves’ looming budget, landlord tax rumours, and the possibility of National Insurance being charged on rental income. The trio debate whether these moves are designed to push landlords into selling to tenants, or part of a bigger shift towards institutional ownership of UK housing.

With tinfoil hats firmly in place, they explore parallels with the World Economic Forum’s “you will own nothing” narrative, Gary Stevenson’s prediction of house prices doubling, and the uncomfortable reality of a housing supply crisis that shows no sign of being fixed.

The conversation turns practical as they discuss how brokers can prepare clients for portfolio restructuring, CGT risks, and the opportunities for tenants if a landlord sell-off accelerates. They also stress the importance of financial education, partnerships with IFAs, and using social media to educate rather than sell.

Later, the hosts welcome Jamie Lawless, CEO of Lendwell, to discuss their new AI-driven CRM platform set to launch in the UK. Jamie explains how poor-quality data inspired the project, why legacy systems are holding brokers back, and how AI can drastically cut processing time, improve client experience, and transform conveyancing.

The episode closes with hot topics on down-valuations, slow commission payments, and why consistency is the key to success—whether on social media or in podcasting.

Key Talking Points:

• Rachel Reeves’ budget leaks and landlord tax speculation
• Are we heading towards corporate control of UK housing?
• Asset prices, WEF narratives, and supply failures
• Why brokers should educate tenants and partner with IFAs
• Social media growth: 700k views in 30 days
• Interview with Lendwell CEO Jamie Lawless on AI, CRMs, and the future of mortgage tech
• Down valuations, procs delays, and broker frustrations

In this episode of the TBC Podcast, Lewis and Jamie are joined by Scott Aitken from Aitken Financial Services. Scott has big shoes to fill, but we talk all things mortgage related.

In Episode 39 of The Broker Collective, Riz Malik, Jamie Lennox, and Lewis Shaw tackle the state of the UK mortgage and property market as summer kicks off. They discuss July’s unexpectedly strong performance, feelings of burnout in the broker community, and growing concerns over affordability and inflated house prices.

With base rate cuts looming, the trio examine the impact of swap rates, lender competition, and the rise of high LTI mortgages, drawing parallels, perhaps cautiously, with 2008. The conversation also highlights potential policy shifts encouraging landlords to sell to tenants, capital gains tax implications, and the increasing relevance of limited company buy-to-let lending.

Later, they’re joined by Jeremy Duncombe, Managing Director of Accord Mortgages, who sheds light on support for first-time buyers, LTI innovation, the rationale behind Accord’s £5K deposit mortgage, and how technology and common-sense lending criteria continue to shape the market. Jeremy also shares insights into the role of AI in advice and his outlook on interest rates and buy-to-let trends.

Key Talking Points:

• Broker fatigue and summer deal flow
• Fed hold & Bank of England base rate expectations
• Lender competition: Rate cuts vs. criteria shifts
• High LTI lending – prudent policy or risky deja vu?
• Buy-to-let market evolution and landlord exits
• Interview with Accord MD Jeremy Duncombe on affordability, innovation, and AI

The trio are back after the Panorama episode on conditional selling

In this episode, the trawlerman is away, and Justin Moy steps in.