The Mortgage Conversation

The focus for this episode is - The rise of MIBs (multipleincome borrowers) and how specialist lending is evolving.

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams Lee Williams | LinkedIn Martin Reynolds Martin Reynolds | LinkedIn and Simon Walklin-Knight Simon Walklin-Knight | LinkedIn

We discussed:

Segment 1: The Geopolitical Shockwave

Segment 2: The Pricing Paradox & House Price Slump

Segment 3: what is the importance of broker development? Qualifications beyond CeMAP supporting? 

Segment 4: The Outlook for H2 2026

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Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠, are Lee Williams ⁠(7) Lee Williams | LinkedIn⁠, David Coleman ⁠(30) David Coleman | LinkedIn and Dan Gracie (30) Dan Gracie | LinkedIn

We discussed:

• Multiple Income Borrowers (MIB) How is this market growing, how comfortable are firms with increased advice risk as cases get more complex?
• Market/Mortgage Brokerage Evolution How is the market evolving with firm consolidation, and what impact does this have on advice models?
• Packager Evolution Is the role of packagers changing, and how are they adapting to market evolution?
• Further View of the Mortgage Market What is the impact of AI- opportunity or threat- for packagers and brokers? Can AI replace packagers in case placement and document preparation?

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The focus for this episode is ‘Build Baby Build’ centring on the Property Development Finance Market.

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn, Glen Franklin-Jones (9) Glenn Franklin-Jones | LinkedIn & Steve Iles (9) Steve Iles | LinkedIn 

We discussed: 

How is technology embracing the Property Development Finance Market 

The importance of effective relationships during the entire project 

Planning reform – how is the Government doing with its pledges 

Top hints & tips for brokers and developers 

Is 2026 going to be a good year

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn,Mark Edwards (1) Mark Edwards | LinkedIn and Alice Waites (7) Alice Waites |LinkedIn

We discussed:

• The Complex Lending Market vs The Specialist Lending Market - the rise of the mutuals
• Post budget - confidence in 2026
• Proc fees - the rise and fall
• Renters Rights Act
• The UK Finance Market forecast for 2026

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠,  Dan Gracie (9) Dan Gracie | LinkedIn  Andrew Montlake (9) Andrew Montlake| LinkedIn

Past   

• Reflection on 2025…how has it been for ourguests?

•  Affordability – Relaxation of regulatory rules,are they helping and are lenders doing enough?

Present

• Budget implications,  what is coming and what might the impact be?

• Diversification - what has your business doneto meet the needs of today's borrower?

Future

• Innovation - what is needed?    

• FCA DP25/2 the future of the mortgage market

•  One wish for 2026

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, Head of Underwriting – John Reid, Mortgage Processing Manager – Max Moore-Chandler, Mortgage Underwriter – Shilpa Patel

Today’s episode covers:

• Introductions to the team at Saffron
• De-mystifying the underwriting process
• What ‘good’ looks like, covering key topics such as application forms, income verification and bank statements
• Best practice and how we can collaborate with our brokers

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Joining host ⁠Tony Hall⁠ is Saffron for Intermediaries National Sales Manager ⁠Lee Williams⁠, Business Development Manager ⁠Leah Kavanagh⁠ and Marketing Manager ⁠Ellie Deamer-Booth⁠.

The panel discussed:

• The current market landscape, including broker sentiment, challenges, and opportunities.
• Key industry topics such as affordability pressures and reflections on 2025 so far.
• Leah’s first year as BDM, including her biggest transitions from adviser to BDM, what drives her passion, and advice for anyone considering the role
• Lee’s reflections on his first year as National Sales Manager, sharing experiences leading his team, key takeaways from 2025 and priorities for the year ahead.
• Ellie’s journey into marketing, what excites her most about the industry and tips for building a personal brand.

⁠Working In Mortgages - Shaping the future⁠

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Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠,  is ⁠ Lee Williams | LinkedIn⁠, ⁠ Jon Stones | LinkedIn⁠ & ⁠Sophie Waugh |LinkedIn⁠

The panel discussed:

• Building a business from the ground up
• The importance of professional advice
• Recruiting and retaining quality mortgage advisors
• The biggest challenges facing mortgage business owners
• Can lenders do more to support mortgage advisors
• The value of mentors
• A look to what the market might look like in 5 years time

⁠https://www.mortgagestrategy.co.uk/opinion/blog-creativity-innovation-and-most-important-of-all-advice/⁠

⁠WorkingIn Mortgages - Shaping the future⁠

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford, Paradigm Mortgage Services Director of Mortgages Richard Howes and we welcome back a friend of the show Anna Sagar Deputy Editor for Mortgage Solutions

The panel discussed:

Loosening of Lending Criteria – we are seeing a lot of lender criteria amendments, particularly around affordability.  Are lenders doing enough and doing the right things to innovate the market?

Will the changes to lending rules make a difference?

Rate cuts – whilst it is generally seen as positive that lenders are reducing their rates, with some lenders cutting rates as frequently as three times in two weeks, is this causing disruption and instability to the market?

Buy To Let – Despite doom and gloom consistently predicted for the BTL market, landlords are still growing their portfolios – the panel discussed their outlook for the BTL sector.

The FCA’s Mortgage Rule Review - is still a cause of concern to brokers and distributors, could this lead topoorer customer outcomes?  Finally, market predictions were given for the second half of this year.

Here is the link to register for a Mortgage Solutions account to read Anna’s informative articles, https://www.mortgagesolutions.co.uk/account-registration/?src=banner 

https://www.yourmoney.com/mortgages/lenders-allowed-to-breach-15-high-loan-to-income-ratio/

https://www.bbc.co.uk/news/articles/cj0mny9pm2do

https://www.mpamag.com/uk/mortgage-industry/market-trends/rate-cuts-a-market-boost-or-a-cause-of-market-instability/542093

https://www.mortgagesolutions.co.uk/news/2025/06/26/almost-three-quarters-of-landlords-plan-to-grow-their-portfolios/

https://www.mortgagesolutions.co.uk/news/2025/06/13/fca-mortgage-rule-review-proposals-could-undermine-consumer-protections-and-marginalise-the-adviser-if-implemented-poorly-ami-ceo-says/

https://www.mortgagesolutions.co.uk/news/2025/06/16/removing-advice-trigger-is-wrong-answer-to-a-totally-different-question-ami-chair-montlake-says/

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠ is Saffron for Intermediaries National Account Manager Phil Lawford, L&C Mortgages Head of High Net Worth Mortgages Rahul Nath and Independent James Principal James Carter

The panel discussed:

• One year on, is the UK Government starting to deliver on it's housing promises?
• Regulation, will the latest proposals to make it quicker and easier to get a mortgage?
• First Time Buyers- we are staring to see the return of the 100% mortgage. Is now the right time for this type of home loan?

• Are we doing enough to help young professionals into home ownership?

https://mortgagesoup.co.uk/housing-promises-vs-reality-will-the-government-deliver-on-1-5-million-new-homes/

https://mortgagesoup.co.uk/fca-wants-to-streamline-mortgage-rules-but-advice-still-matters-more-than-ever/

https://theintermediary.co.uk/2025/06/rushed-cp25-11-undermines-advice-consumer-protection-and-market-fairness/

https://www.theguardian.com/money/2025/jun/07/uk-mortgages-100-loans-are-back-will-they-work-for-you

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