The Mortgage Conversation

In this episode the panel are Special Guest is senior associate solicitor and legal expert, Perdip Kaur Bhachu from Blacks Solicitors LLP - a specialsit in BTL clients.

Host: Jay Evans

Panel: Phil Lawford & Simon O'Donnell

What to expect from this episode...

Find out more from the panel during the hour.

The podcast is produced independently on behalf of ⁠Saffron for Intermediaries⁠ from Saffron Building Society

In the latest episode of SFI (not so) LIVE from Saffron Building Society, we are joined by Jane Simpson, managing director of TBMC - the buy-to-let and commerical mortgage specialists.

Tony Hall, Phil Lawford and Jay Evans bring the conversation this month, with Jane, where the conversation was guided almost entirely by the Bank of England rate rise, and Jeremy Hunt's intervention with big banks. As well as...

Why did Jeremy get involved?

Was it neccessary? Does it set a precedent?

The rise of discounts when selling properties - a short term activity?

The potential increase in Ltd. Co. BTL.

The podcast also makes an announcement about the next SFI LIVE - which will be live on the Saffron for Intermediaries page on 11th July 2023.

In this episode of SFI (not so) LIVE from Saffron Building Society, we are joined by Racheal Hunnisett from Green Finance Institute and Nicholas Mendes from John Charcol.

Tony Hall and Jay Evans bring your SFI (not so) LIVE's first Green Special podcast. What is a green mortgage? Is there an appetite for them? What innovations are we seeing? Do we need Government interventions? Why are EPCs the holy grail of monitoring the performance of our homes?

All these are addressed in this green special.

Please do visit us for more thought leadership; If you are a mortgage broker visit Saffron for Intermediaries, otherwise visit Saffron Building Society

In this episode of SFI (not so) LIVE from Saffron Building Society, we are joined by Anna Sagar from Mortgage Solutions and Richard Merrett,

In this episode, the panel – including host Jay Evans, Head of Business Development, Tony Hall and National Account Manager, Phil Lawford – discussed an

The panel also discussed the volatility of the banking sector following the collapse of Silicon Valley Bank and the under value sale of Credit Suisse - an hour was never going to be enough to fit it all in.

Please do visit us for more thought leadership; If you are a mortgage broker visit Saffron for Intermediaries, otherwise visit Saffron Building Society

In this episode of SFI (not so) LIVE from Saffron Building Society, we are joined by Brian Murphy from Mortgage Advice Bureau.

In this episode, the panel – including host Jay Evans, Head of Business Development, Tony Hall and National Account Manager, Phil Lawford - discussed a range of current topics in the news including Buy-to-Let variable rate and fee structure updates, whether house prices are likely to fall more in 2023 and have a debate about education around mortgages as figures reveal that 40%+ of mortgage holders don't know what a second charge mortgage is, even though they increased through 2022.

For more information about Saffron's offering, visit Saffron for Intermediaries.

In the first SFI (not so) LIVE podcast of 2023 from Saffron Building Society, the panel had the pleasure of the company of Nicholas Mendes from John Charcol and Shekina Tuahene from Mortgage Solutions.

In this episode, the panel – including host Jay Evans, Head of Business Development, Tony Hall and National Account Manager, Phil Lawford - discussed a range of current topics in the news - from BTL and the plight of the landlord, the self-employed and much more.

We end the podcast on a very important topic, Diversity, Inclusion and Equity in the Mortgage Industry. For more on what we discussed, visit www.workinginmortgages.org.uk.

In Decembers edition of the SFI (not so) LIVE podcast from Saffron Building Society, the panel had the pleasure of the company of Stephanie Daley, from Alexander Hall.

In this episode, the panel – including host Jay Evans, Head of Business Development, Tony Hall and Intermediary Team Manager, Debby Tedder - discussed a range of current topics in the news - from decreasing rates, changes in stress rates, the "potential" house price crash and an important message "Don't beleive the hype in the mainstream media, focus on mortgage titles for a real representation of the industry.

Finally - what would our panel like from Santa to fix the mortgage industry? Find out.

In November’s edition of the SFI (not so) LIVE podcast, the panel had the pleasure of the company of industry legend, Ray Boulger from John Charcol.

With the ongoing economic uncertainty, it was a pleasure to have access to Ray’s extensive experience in our sector. And more importantly, his experience and knowledge of the markets and the role of the Bank of England added extra depth to the conversations.

In this episode, the panel – including host Jay Evans, Head of Business Development, Tony Hall and Phil Lawford - discussed a range of current topics in the news - beginning with the news that variable rate products are now a cheaper alternative to fixed rate products. The panel reflects on a decade of reliance on fixed-rate products and information that variable rates offer a more affordable option for those who can mitigate the changing repayments. 

The panel address the ongoing issues for first-time buyers - with news that suitable products are now re-entering the market and providing advice to brokers on how best to advise their applicants. 

Finally, greenwashing - with the FCA announcing it is clamping down on green finance products ahead of the introduction of Consumer Duty in 2023.

SFI (not so) LIVE is a topical podcast for those working in the mortgage and property industries, brought to you by Saffron for Intermediaries - part of Saffron Building Society

In this episode, the panel discuss the aftermath of the 'fiscal event', 'mini-budget' announced by the chancellor, which has caused over 1,600 mortgage offers being removed from the market.

The panel discuss the impact on mortgage rates, affordability, dealing with this in a cost-of-living crisis, what it will do for renters and when we could expect to see products returning.

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Hosted by: Jay Evans

Panel: Tony Hall, Head of Mortgage Sales and Simon O'Donnell from Saffron for Intermediaries

Special Guest: We were delighted to be joined by senior journalist from the Mortgage Solutions, Anna Sagar.

For more information or to review the SFI LIVE series, please click here.

SFI (not so) LIVE is a topical podcast for those working in the mortgage and property industries, brought to you by Saffron for Intermediaries - part of Saffron Building Society

In this episode, the panel discuss news that 8 lenders have paused new business with brokers, the fall out of this as tensions rise between the lender and intermediaries and that the short and long term outlook is going to be for the industry in light of the cost-of-living crisis.

Find out what the panel had to say about the 30% jump in property transactions in July 2022, the shortage of conveyancers and surveyors, and why the certain sectors beleive that first-time buyers need to temper the expectations for their first home.

With increasing interest rates, how far could this go? Will we return to 1980/1990s rates? The panel give their view.

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Hosted by: Jay Evans

Panel: Tony Hall, Head of Mortgage Sales, Lesley Terry, Regional BDM and the newest BDM Lee Williams from Saffron for Intermediaries

Special Guest: We were delighted to be joined by senior journalist from the FT Adviser, Ruby Hinchliffe.

For more information or to review the SFI LIVE series, please click here.