Are we still cautiously optimistic?

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 | LinkedInWe discussed:Segment 1: The Geopolitical ShockwaveSegment 2: The Pricing Paradox & House Price SlumpSegment 3: what is the importance of broker development? Qualifications beyond CeMAP supporting? Segment 4: The Outlook for H2 2026Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠, are Lee Williams ⁠(7) Lee Williams | LinkedIn⁠, David Coleman ⁠(30) David Coleman | LinkedIn and Dan Gracie (30) Dan Gracie | LinkedInWe 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?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.Don't forget to follow our social channels...⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠Facebook⁠⁠

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 yearPlease leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels... ⁠⁠⁠LinkedIn⁠⁠⁠ ⁠⁠⁠BlueSky⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠ 

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠, are Lee Williams (7) Lee Williams | LinkedIn,Mark Edwards (1) Mark Edwards | LinkedIn and Alice Waites (7) Alice Waites |LinkedInWe discussed:The Complex Lending Market vs The Specialist Lending Market - the rise of the mutualsPost budget - confidence in 2026Proc fees - the rise and fallRenters Rights ActThe UK Finance Market forecast for 2026Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠Tony Hall⁠⁠⁠⁠⁠,  Dan Gracie (9) Dan Gracie | LinkedIn  Andrew Montlake (9) Andrew Montlake| LinkedInPast   Reflection on 2025…how has it been for ourguests? Affordability – Relaxation of regulatory rules,are they helping and are lenders doing enough?PresentBudget implications,  what is coming and what might the impact be? Diversification - what has your business doneto meet the needs of today's borrower?FutureInnovation - what is needed?    FCA DP25/2 the future of the mortgage market  One wish for 2026Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

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 processWhat ‘good’ looks like, covering key topics such as application forms, income verification and bank statementsBest practice and how we can collaborate with our brokersPlease leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

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 roleLee’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 future⁠Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month. Don't forget to follow our social channels...⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

Joining host ⁠⁠⁠Tony Hall⁠⁠⁠⁠⁠⁠,  is ⁠ Lee Williams | LinkedIn⁠, ⁠ Jon Stones | LinkedIn⁠ & ⁠Sophie Waugh |LinkedIn⁠The panel discussed:Building a business from the ground upThe importance of professional adviceRecruiting and retaining quality mortgage advisorsThe biggest challenges facing mortgage business ownersCan lenders do more to support mortgage advisorsThe value of mentorsA look to what the market might look like in 5 years time⁠https://www.mortgagestrategy.co.uk/opinion/blog-creativity-innovation-and-most-important-of-all-advice/⁠⁠WorkingIn Mortgages - Shaping the future⁠Please leave us comments and a rating and give us a follow to keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

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/cj0mny9pm2dohttps://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/Please leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠

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 CarterThe 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-youPlease leave us comments and a rating and give us a followto keep updated with future podcast releases, on the 1st of every month.Don't forget to follow our social channels...⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠BlueSky⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠