The Mortgage Conversation

• The panel discussed the recent Bank of England’sMPC decision to lower the base rate by 25bps. 

• Complex Lending – are lenders doing enough tosupport this area of the market?

• Ed discussed how to use your pension to raise amortgage

• Affordability – the panel talked around the FCAannouncing plans to make it cheaper and faster to obtain home loans. 

https://www.ft.com/content/b67ebebb-e118-4c8b-8c3d-b1fd4522ae32https://advias.co.uk/how-to-use-your-pension-to-raise-a-mortgage/Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.

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Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, Saffron for Intermediaries National Account Manager ⁠⁠⁠⁠Phil Lawford, Luke Loveridge – CEO and co-founder of Propflo and Dan Gracie - Specialist Lending Director Panthera Finance.

The panel discussed:

·  How the US trade tariffs may impact our market

·  The new Minimum Energy Efficiency Standards (MEES) is out for consultation until 2nd of May.  What is it's main purpose? What does it mean for landlords?

·   Is now the time to consider discount mortgages if rates are falling?

·   What is the confidence factor like for the rest of the year?

https://www.mortgagestrategy.co.uk/news/boe-breeden-warns-tariff-chaos-will-hurt-uk-growth-as-rate-cut-bets-slip/

https://www.mpamag.com/uk/mortgage-industry/market-trends/trumps-tariffs-spark-a-uk-mortgage-rate-war/531512

MinimumEnergy Efficiency Standards (MEES)

https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/https://www.mortgagestrategy.co.uk/news/ms-october-news-analysis-p-is-uk-rental-market-heading-towards-the-us-model/

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Joining host ⁠⁠Tony Hall⁠⁠ is ⁠⁠Saffron for Intermediaries National Sales Manager ⁠⁠⁠⁠ Lee Williams⁠⁠⁠⁠⁠, Matt Surridge - Interim Sales Director Primis / Director of Linear and Rebecca Shuttle  –  Award Winning Principal Owner and Mortgage and Protection Broker at MIMA Mortgage and Protection Advice.

• The panel discussed the concerns raised by the self-employed when looking for a mortgage and how the industry has developed to support them.
• The growth of the Challenger and specialist banks market share.
• Collaboration being the key to making the most of specialist opportunities.
• How will AI shape the future for the mortgage market.
• Will lenders try to claw back market share from brokers.

Blog: The self-employed are being let down, but the opportunity is there – MortgageStrategy

The UK needs its self-employed, so why are we forgetting them? – Ward

Challenger and specialist banks growing market share, report finds - Money Age

Blog: Collaboration is key to making the most of specialistopportunities – Mortgage Strategy

Lenders will try to claw back market share from brokers, Robert Sinclair warns

Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.

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Joining host ⁠Tony Hall⁠ is ⁠Saffron for Intermediaries, ⁠⁠Phil Lawford ⁠⁠, Nicola Goldie Deputy Chair, IMLA and Head of Strategic Partnerships, Aldermore Bank and Laura Smith, BDM Saffron for Intermediaries.

• The panel discusses the roles of the Working in Mortgages Group and IMLA.
• The AMI 2021 viewpoint report and how we have moved on.
• What are the benefits within our industry of embracing DE&I.
• Concluding with the panels views on the recent MPC decision to reduce the UK's key interest rate to 4.50% - was it the right call?

https://workinginmortgages.org.uk/wp-content/uploads/2022/09/Final-Viewpoint-DI-Report.pdf

https://workinginmortgages.org.uk/

http://www.imla.org.uk/

http://www.imla.org.uk/news/post.php?s=2024-12-23-imla-predicts-healthy-lending-growth-for-2025-greater-intermediary-business-and-more-remortgaging

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Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.

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Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.

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Don't forget to follow our social channels...

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In this episode of The Mortgage Conversation, the panel joining host ⁠Jay⁠ and ⁠Tony⁠  are ⁠Phil Lawford⁠ from ⁠Saffron for Intermediaries⁠⁠⁠⁠⁠ and special guest, Stephanie Daley from Alexander Hall.

This podcast reflects on the impact of 2024. What a new government has meant for the mortgage and property market. How the markets have reacted. The impact and changes in property prices and the challenges faced by both lenders and brokers.

In the second half, the panel predict what is likely to happen in 2025 with a foresight into the market, rates, BOE moves and some of the challenges faced by the market.

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A brand new series and a brand new era as The Mortgage Conversation is born (formerly SFI (not so) LIVE) as we have a new studio, and our video podcast available on Spotify every month, is growing month on month.

Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on [email protected].

In this episode the panel discuss, in detail, the benefits of self-build and custom build homes. Joining host Jay, and Tony are podcast regular, Phil Lawford from Saffron for Intermediaries.

In this incredibly educational podcast, Lisa talks of her experience as a self-builder, whilst Tony discusses his ongoing work with NaCSBA to educate home buyers to let them know how they can become part of the next generation of home builders. The panel also discuss the issues with planning and the need for planning reform. Can the new government move fast enough to make self and custom build homes an increasing part of the property ecosystem?

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A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.

Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on [email protected].

Joining host Jay, and Tony are podcast regular, Holly Andrews from Saffron for Intermediaries, Bhavika Gohil from Sai Finance and Dave Butler from Legal and General.

The panel begin by discussing the power and importance of mortgage protection - a topic not discussed in the media when talking about the impact of the cost of living crisis.

The panel also discuss the slow British buying process and the Bank of England's rate drop.
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A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.

Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on [email protected].

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Brought to you by ⁠⁠⁠Saffron for Intermediaries⁠⁠⁠ | ⁠⁠⁠Saffron Building Society⁠⁠⁠

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Anna Sagar⁠, Deputy Editor of ⁠Mortgage Solutions⁠ and Rahul Nath from London & Country Mortgages join Jay and Tony this month. In Phil's absence, Lee Williams also joins the panel too.

The panel discuss the aftermath of the election and analyse the promises and commitments made by the new Government. These include:

- Stamp Duty

- 1.5m Homes

- Renters RIGHTS bill

- Term Funding

and a whole lot more besides.

It's more than just politics, the panel discuss the impact the policies will have on home buyers, the markets, renters and landlords.

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A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.

Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on [email protected].

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Brought to you by ⁠⁠⁠Saffron for Intermediaries⁠⁠⁠ | ⁠⁠⁠Saffron Building Society⁠⁠⁠

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Follow us on ⁠⁠⁠LinkedIn⁠⁠⁠ | ⁠⁠⁠Twitter⁠ ⁠⁠| ⁠⁠⁠YouTube

--

A brand new series and a brand new era for SFI (not so) LIVE as we launch our video version of the podcast available on Spotify every month.

Would you like to be a guest on our podcast? If so, please contact Host and Producer, Jay Evans on [email protected].